# EDGAR Filing Document

**Accession Number:** 0001556593
**File Stem:** 0001213900-25-094579
**Filing Date:** 2025-10
**Character Count:** 3535047
**Document Hash:** aa98cd1e3ed0fad0f90f10733645c95f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-25-094579.hdr.sgml**: 20251001

**ACCESSION NUMBER**: 0001213900-25-094579

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

**PUBLIC DOCUMENT COUNT**: 109

**CONFORMED PERIOD OF REPORT**: 20251001

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

**FILED AS OF DATE**: 20251001

**DATE AS OF CHANGE**: 20251001

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Rithm Capital Corp.
- **CENTRAL INDEX KEY:** 0001556593
- **STANDARD INDUSTRIAL CLASSIFICATION:** REAL ESTATE INVESTMENT TRUSTS [6798]
- **ORGANIZATION NAME:** 05 Real Estate & Construction
- **EIN:** 453449660
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07998
- **FILM NUMBER:** 251363737

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **CITY:** New York
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** (212) 850-7770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **CITY:** New York
- **STATE:** NY
- **ZIP:** 10003

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** New Residential Investment Corp.
- **DATE OF NAME CHANGE:** 20121227

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** New Residential Investment LLC
- **DATE OF NAME CHANGE:** 20121214

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Spinco Inc.
- **DATE OF NAME CHANGE:** 20120821
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Rithm Capital Corp.
- **CENTRAL INDEX KEY:** 0001556593
- **STANDARD INDUSTRIAL CLASSIFICATION:** REAL ESTATE INVESTMENT TRUSTS [6798]
- **ORGANIZATION NAME:** 05 Real Estate & Construction
- **EIN:** 453449660
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **CITY:** New York
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** (212) 850-7770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **CITY:** New York
- **STATE:** NY
- **ZIP:** 10003

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** New Residential Investment Corp.
- **DATE OF NAME CHANGE:** 20121227

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** New Residential Investment LLC
- **DATE OF NAME CHANGE:** 20121214

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Spinco Inc.
- **DATE OF NAME CHANGE:** 20120821
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Rithm Capital Corp.
- **CENTRAL INDEX KEY:** 0001556593
- **STANDARD INDUSTRIAL CLASSIFICATION:** REAL ESTATE INVESTMENT TRUSTS [6798]
- **ORGANIZATION NAME:** 05 Real Estate & Construction
- **EIN:** 453449660
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **CITY:** New York
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** (212) 850-7770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **CITY:** New York
- **STATE:** NY
- **ZIP:** 10003

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** New Residential Investment Corp.
- **DATE OF NAME CHANGE:** 20121227

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** New Residential Investment LLC
- **DATE OF NAME CHANGE:** 20121214

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Spinco Inc.
- **DATE OF NAME CHANGE:** 20120821

OMB Number: 3235-0675

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of sponsor: <u>0001556593</u> 

NEW RESIDENTIAL MORTGAGE LOAN TRUST 2025-NQM5

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

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

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

Philip Sivin, 212-798-6100

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

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

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

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

**SIGNATURES**

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

---

| | | | |
|:---|:---|:---|:---|
|  | RITHM CAPITAL CORP. | RITHM CAPITAL CORP. | RITHM CAPITAL CORP. |
| Date: October 1, 2025 | By: | /s/ Nicola Santoro, Jr. | /s/ Nicola Santoro, Jr. |
|  |  | Name: | Nicola Santoro, Jr. |
|  |  | Title: | Chief Financial Officerl |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report - AMC Executive Summary](ea025949101_ex99-1.htm)

[Schedule 1 – Rating Agency Grades](ea025949101_ex99-1sch1.htm)

[Schedule 2 – Exception Grades](ea025949101_ex99-1sch2.htm)

[Schedule 3 – Valuation Report](ea025949101_ex99-1sch3.htm)

[Schedule 4 – Business Purpose Report](ea025949101_ex99-1sch4.htm)

[Schedule 5 – Data Compare](ea025949101_ex99-1sch5.htm)

[99.2 - Third Party Due Diligence Report - Infinity Executive Summary](ea025949101_ex99-2.htm)

[Schedule 1 – Valuation Report](ea025949101_ex99-2sch1.htm)

[Schedule 2 – Rating Agency Grades Report](ea025949101_ex99-2sch2.htm)

[Schedule 3 – Data Compare](ea025949101_ex99-2sch3.htm)

[Schedule 4 – Loan Level Exception Report](ea025949101_ex99-2sch4.htm)

[Schedule 5 – Individual Exception Report](ea025949101_ex99-2sch5.htm)

[99.3 - Third Party Due Diligence Report - Evolve Executive Summary](ea025949101_ex99-3.htm)

[Schedule 1 – Valuation Report](ea025949101_ex99-3sch1.htm)

[Schedule 2 – Rating Agency Grades](ea025949101_ex99-3sch2.htm)

[Schedule 3 – Business Purpose Report](ea025949101_ex99-3sch3.htm)

[Schedule 4 – Data Compare](ea025949101_ex99-3sch4.htm)

[Schedule 5 – Exception Report](ea025949101_ex99-3sch5.htm)

[Schedule 6 – QM ATR Report](ea025949101_ex99-3sch6.htm)

[99.4 - Third Party Due Diligence Report - Clarifii Executive Summary](ea025949101_ex99-4.htm)

[Schedule 1 – Valuation Report](ea025949101_ex99-4sch1.htm)

[Schedule 2 – Rating Agency Grades Summary](ea025949101_ex99-4sch2.htm)

[Schedule 3 – Data Compare](ea025949101_ex99-4sch3.htm)

[Schedule 4 – ATR QM Report](ea025949101_ex99-4sch4.htm)

[Schedule 5 – Rating Agency Grades Detail Report](ea025949101_ex99-4sch5.htm)

[Schedule 6 – Business Purpose Supplemental Report](ea025949101_ex99-4sch6.htm)

[99.5 - Third Party Due Diligence Report – Consolidated Analytics Executive Summary](ea025949101_ex99-5.htm)

[Schedule 1 – Rating Agency Grades Summary](ea025949101_ex99-5sch1.htm)

[Schedule 2 – Due Diligence Standard Report](ea025949101_ex99-5sch2.htm)

[Schedule 3 – Valuations Report](ea025949101_ex99-5sch3.htm)

[Schedule 4 – Data Compare](ea025949101_ex99-5sch4.htm)

[99.6 - Third Party Due Diligence Report - Opus Executive Summary](ea025949101_ex99-6.htm)

[Schedule 1 – Valuation Report](ea025949101_ex99-6sch1.htm)

[Schedule 2 – Rating Agency Grades Summary](ea025949101_ex99-6sch2.htm)

[Schedule 3 – Business Purpose Supplemental Extract](ea025949101_ex99-6sch3.htm)

[Schedule 4 – Standard Findings Report](ea025949101_ex99-6sch4.htm)

[Schedule 5 – ATR QM Report](ea025949101_ex99-6sch5.htm)

[Schedule 6 – Data Compare](ea025949101_ex99-6sch6.htm)

[99.7 - Third Party Due Diligence Report - Selene Executive Summary](ea025949101_ex99-7.htm)

[Schedule 1 – Valuation Report](ea025949101_ex99-7sch1.htm)

[Schedule 2 – Rating Agency Grades Summary](ea025949101_ex99-7sch2.htm)

[Schedule 3 – Business Purpose Report](ea025949101_ex99-7sch3.htm)

[Schedule 4 – Standard Findings](ea025949101_ex99-7sch4.htm)

[Schedule 5 – Data Compare](ea025949101_ex99-7sch5.htm)

[99.8 - Third Party Due Diligence Report - Canopy Executive Summary](ea025949101_ex99-8.htm)

[Schedule 1 – Valuation Report](ea025949101_ex99-8sch1.htm)

[Schedule 2 – Rating Agency Grades Detail Report](ea025949101_ex99-8sch2.htm)

[Schedule 3 – Business Purpose Supplemental Report](ea025949101_ex99-8sch3.htm)

[Schedule 4 – ATR QM Report](ea025949101_ex99-8sch4.htm)

[Schedule 5 – Data Compare](ea025949101_ex99-8sch5.htm)

[Schedule 6 – Rating Agency Grades Summary Report](ea025949101_ex99-8sch6.htm)

[99.9 - Third Party Due Diligence Report - Stonehill Executive Summary](ea025949101_ex99-9.htm)

[Schedule 1 – Valuation Report](ea025949101_ex99-9sch1.htm)

[Schedule 2 – Rating Agency Grades Detail Report](ea025949101_ex99-9sch2.htm)

[Schedule 3 – Business Purpose Supplemental Report](ea025949101_ex99-9sch3.htm)

[Schedule 4 – ATR QM Report](ea025949101_ex99-9sch4.htm)

[Schedule 5 – Data Compare](ea025949101_ex99-9sch5.htm)

[Schedule 6 – Rating Agency Grades Summary Report](ea025949101_ex99-9sch6.htm)

[99.10 - Third Party Due Diligence Report – Inglet Blair Executive Summary](ea025949101_ex99-10.htm)

[Schedule 1 – Valuation Report](ea025949101_ex99-10sch1.htm)

[Schedule 2 – Loan Summary](ea025949101_ex99-10sch2.htm)

[Schedule 3 – Exception Report](ea025949101_ex99-10sch3.htm)

[Schedule 4 – QM Summary](ea025949101_ex99-10sch4.htm)

[Schedule 5 – Data Comparison](ea025949101_ex99-10sch5.htm)

[Schedule 6 – Grading Summary](ea025949101_ex99-10sch6.htm)

[99.11 - Third Party Due Diligence Report – Covius Executive Summary](ea025949101_ex99-11.htm)

[Schedule 1 – Valuation Report](ea025949101_ex99-11sch1.htm)

[Schedule 2 – Exceptions Report](ea025949101_ex99-11sch2.htm)

[Schedule 3 – Tape Compare](ea025949101_ex99-11sch3.htm)

[Schedule 4 – Rating Agency Grades](ea025949101_ex99-11sch4.htm)

[Schedule 5 – ATR QM Report](ea025949101_ex99-11sch5.htm)

[Schedule 6 – Business Purpose Supplement](ea025949101_ex99-11sch6.htm)

[99.12 - Third Party Due Diligence Report – Clayton Executive Summary](ea025949101_ex99-12.htm)

[Schedule 1 – Valuations Summary](ea025949101_ex99-12sch1.htm)

[Schedule 2 – Non ATR QM Upload](ea025949101_ex99-12sch2.htm)

[Schedule 3 – Conditions Detail](ea025949101_ex99-12sch3.htm)

[Schedule 4 – Rating Agency ATR QM Report](ea025949101_ex99-12sch4.htm)

[Schedule 5 – Loan Level Tape Compare](ea025949101_ex99-12sch5.htm)

[Schedule 6 – Loan Grades](ea025949101_ex99-12sch6.htm)

## Exhibit 99.1

**Exhibit 99.1**

![](ex99-1_001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

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

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

The final population of the Review contained two hundred fifty-one (251) Loans totaling an aggregate original principal balance of approximately $123.977 million (the "Loans").

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

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;PITIA Reserves Months |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;PMI Coverage % |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;State |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Total Income |
| &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;Original Interest Rate |  |

---

Additionally, AMC verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, (iv) that social security numbers across documents were consistent, and (v) debt-to-income ratio ("DTI(s)") and/or loan-to-value ratios ("LTV(s)") were used in the assessment of conformity guidelines.

1 \| P a g e

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

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

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

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

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

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

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

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

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

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

2 \| P a g e

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

3 \| P a g e

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

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

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

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

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

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

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

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

---

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

---

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

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

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

4 \| P a g e

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

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

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

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

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

5 \| P a g e

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

&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.

6 \| P a g e

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

7 \| P a g e

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&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)).

8 \| P a g e

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

 

*<u>Qualified Mortgage</u>*

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

---

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

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

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

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

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

9 \| P a g e

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

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

 

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

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

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

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

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

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

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

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

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

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

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

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

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

**(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.

10 \| P a g e

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

**(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.

11 \| P a g e

**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

**OVERALL REVIEW RESULTS SUMMARY**

Of the two hundred fifty-one (251) Loans reviewed, all two hundred fifty-one (251) Loans or (100%) received an overall "A" or "B" overall grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P and Kroll Overall Loan Grades** | &nbsp;&nbsp;**S&P and Kroll Overall Loan Grades** | &nbsp;&nbsp;**S&P and Kroll Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;195 | &nbsp;&nbsp;77.69% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;56 | &nbsp;&nbsp;22.31% |
| &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;**251** | &nbsp;&nbsp;**100.00%** |

---

12 \| P a g e

**COMPLIANCE RESULTS SUMMARY**

One hundred sixty-nine (169) Loans are DSCR loans and will not have a compliance grade. Of the eighty-two (82) Loans reviewed for compliance, all eighty-two (82) Loans or (100%) received an "A" or "B" compliance grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P and Kroll Compliance Loan Grades** | &nbsp;&nbsp;**S&P and Kroll Compliance Loan Grades** | &nbsp;&nbsp;**S&P and Kroll Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;73 | &nbsp;&nbsp;89.02% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;10.98% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

All two hundred fifty-one (251) Loans (100%) reviewed received an "A" or "B" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P and Kroll Credit Loan Grades** | &nbsp;&nbsp;**S&P and Kroll Credit Loan Grades** | &nbsp;&nbsp;**S&P and Kroll Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;202 | &nbsp;&nbsp;80.48% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;49 | &nbsp;&nbsp;19.52% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**251** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

All two hundred fifty-one (251) Loans (100%) reviewed under the applicable grading criteria, received an "A" or "B" property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P and Kroll Property Loan Grades** | &nbsp;&nbsp;**S&P and Kroll Property Loan Grades** | &nbsp;&nbsp;**S&P and Kroll Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;250 | &nbsp;&nbsp;99.60% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% |
| &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;**251** | &nbsp;&nbsp;**100.00%** |

---

13 \| P a g e

**EXCEPTION CATEGORY SUMMARY** 

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception <br> Type** | &nbsp;&nbsp;**S&P and Kroll<br> Final <br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete HUD-1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***13*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**13** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;34 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;1003 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***75*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**75** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &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;**89** |

---

14 \| P a g e

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the two hundred fifty-one (251) Loans reviewed, one hundred forty (140) unique Loans had a total of three hundred seventy-nine (379) different tape discrepancies across thirty-eight (38) data fields (some Loans had more than one data delta). The largest variances were found on Borrower Last Name, Note Date and Subject Debt Service Coverage Ratio where the data tape information did not coincide with the documentation type found in the loan file.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <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;243 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;9 | &nbsp;&nbsp;77 | &nbsp;&nbsp;11.69% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;251 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;9 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;77 | &nbsp;&nbsp;2.60% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;88 | &nbsp;&nbsp;6.82% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;3 | &nbsp;&nbsp;9 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;90 | &nbsp;&nbsp;251 | &nbsp;&nbsp;35.86% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;9 | &nbsp;&nbsp;11 | &nbsp;&nbsp;81.82% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;1 | &nbsp;&nbsp;251 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;13 | &nbsp;&nbsp;250 | &nbsp;&nbsp;5.20% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;9 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;17 | &nbsp;&nbsp;52.94% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;9 | &nbsp;&nbsp;172 | &nbsp;&nbsp;5.23% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;5 | &nbsp;&nbsp;15 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;88 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;174 | &nbsp;&nbsp;1.72% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;11 | &nbsp;&nbsp;240 | &nbsp;&nbsp;4.58% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;9 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;35 | &nbsp;&nbsp;180 | &nbsp;&nbsp;19.44% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;243 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;9 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;2 | &nbsp;&nbsp;251 | &nbsp;&nbsp;0.80% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;251 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;12 | &nbsp;&nbsp;88 | &nbsp;&nbsp;13.64% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;11 | &nbsp;&nbsp;240 | &nbsp;&nbsp;4.58% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;183 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;9 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;PMI Coverage % | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;9 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;11 | &nbsp;&nbsp;251 | &nbsp;&nbsp;4.38% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;251 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;11 | &nbsp;&nbsp;251 | &nbsp;&nbsp;4.38% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;251 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;3 | &nbsp;&nbsp;251 | &nbsp;&nbsp;1.20% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;20 | &nbsp;&nbsp;168 | &nbsp;&nbsp;11.90% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Total Income | &nbsp;&nbsp;9 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;9 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;251 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**379** | &nbsp;&nbsp;**5491** | &nbsp;&nbsp;**6.90%** | &nbsp;&nbsp;**251** |

---

15 \| P a g e

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;251 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$123977004.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**251** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$123977004.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;251 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$123977004.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**251** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$123977004.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;99 | &nbsp;&nbsp;39.44% | &nbsp;&nbsp;$48757365.00 | &nbsp;&nbsp;39.33% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;11 | &nbsp;&nbsp;4.38% | &nbsp;&nbsp;$7785365.00 | &nbsp;&nbsp;6.28% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;120 | &nbsp;&nbsp;47.81% | &nbsp;&nbsp;$56390704.00 | &nbsp;&nbsp;45.48% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;21 | &nbsp;&nbsp;8.37% | &nbsp;&nbsp;$11043570.00 | &nbsp;&nbsp;8.91% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**251** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$123977004.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;250 | &nbsp;&nbsp;99.60% | &nbsp;&nbsp;$122797004.00 | &nbsp;&nbsp;99.05% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;$1180000.00 | &nbsp;&nbsp;0.95% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**251** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$123977004.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;125 | &nbsp;&nbsp;49.80% | &nbsp;&nbsp;$58144705.00 | &nbsp;&nbsp;46.90% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;16 | &nbsp;&nbsp;6.37% | &nbsp;&nbsp;$4779183.00 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.99% | &nbsp;&nbsp;$4244250.00 | &nbsp;&nbsp;3.42% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;51 | &nbsp;&nbsp;20.32% | &nbsp;&nbsp;$32090661.00 | &nbsp;&nbsp;25.88% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;9 | &nbsp;&nbsp;3.59% | &nbsp;&nbsp;$2722000.00 | &nbsp;&nbsp;2.20% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;35 | &nbsp;&nbsp;13.94% | &nbsp;&nbsp;$16140290.00 | &nbsp;&nbsp;13.02% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.79% | &nbsp;&nbsp;$4653865.00 | &nbsp;&nbsp;3.75% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.20% | &nbsp;&nbsp;$1202050.00 | &nbsp;&nbsp;0.97% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**251** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$123977004.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;53 | &nbsp;&nbsp;21.12% | &nbsp;&nbsp;$41938854.00 | &nbsp;&nbsp;33.83% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;195 | &nbsp;&nbsp;77.69% | &nbsp;&nbsp;$81207200.00 | &nbsp;&nbsp;65.50% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.20% | &nbsp;&nbsp;$830950.00 | &nbsp;&nbsp;0.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**251** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$123977004.00** | &nbsp;&nbsp;**100.00%** |

---

16 \| P a g e

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | ![](ex99-1sch1_001.jpg) | ![](ex99-1sch1_001.jpg) | ![](ex99-1sch1_001.jpg) | ![](ex99-1sch1_001.jpg) | ![](ex99-1sch1_001.jpg) | ![](ex99-1sch1_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **Run Date - 9/22/2025 8:31:08 PM** | **Run Date - 9/22/2025 8:31:08 PM** | **Run Date - 9/22/2025 8:31:08 PM** | **Run Date - 9/22/2025 8:31:08 PM** | **Run Date - 9/22/2025 8:31:08 PM** | **Run Date - 9/22/2025 8:31:08 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| ASF Loan Number | **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| 12025030797 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025021845 | XX | XX | XX |  | XX | XX | D | D | D | D | D |  |  |  |  |  |  |  | A | A | A | A | A |  | D | D | D | D | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025022088 | XX | XX | XX |  | XX | XX | D | D | D | D | D |  |  |  |  |  |  |  | A | A | A | A | A |  | D | D | D | D | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025031129 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025042189 | XX | XX | XX |  | XX | XX | D | D | D | D | D |  |  |  |  |  |  |  | A | A | A | A | A |  | D | D | D | D | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 400089416 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 400094443 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 400091108 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 400095900 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 400093743 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 400093632 | XX | XX | XX |  | XX | XX | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 400091279 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 400103303 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 400103323 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 400103257 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 400103316 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 400104764 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 400104748 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 400104737 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 400104734 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 400090935 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 400093689 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 400103320 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 400103240 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 400103248 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 400103309 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025020858 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025041018 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025032271 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025041443 | XX | XX | XX |  | XX | XX | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025041771 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025041923 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025040736 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025021853 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025042109 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051328 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025041183 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025031411 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025051354 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050282 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025041165 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025042091 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051337 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050778 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025042125 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025051550 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025040289 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052626 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025020012 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025042409 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 32025051897 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025030471 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050860 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051840 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025060467 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051292 | XX | XX | XX |  | XX | XX | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051014 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052434 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025052176 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025060270 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051839 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025032203 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025060575 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050563 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025040972 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025041046 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052348 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052451 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025050990 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051368 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052501 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025060330 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052756 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025042044 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052093 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025040823 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052513 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052687 | XX | XX | XX |  | XX | XX | D | D | D | D | D |  |  |  |  |  |  |  | A | A | A | A | A |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052830 | XX | XX | XX |  | XX | XX | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025040748 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052587 | XX | XX | XX |  | XX | XX | D | D | D | D | D |  |  |  |  |  |  |  | A | A | A | A | A |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025060266 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051690 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051346 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025060948 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052879 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050339 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025060877 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052581 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052272 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025020022 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025020129 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025032614 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050236 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025051307 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025041859 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025032710 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050793 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025042005 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052077 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025040895 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052837 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025061250 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052280 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025040899 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025041463 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025052643 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 32025050620 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051223 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050122 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025050867 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050445 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025041778 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025060184 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025052645 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050068 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052594 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025060965 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | D | D | D | D | D |  | A | A | A | A | A |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 32025052803 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025060770 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025060355 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025060642 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 32025051498 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025010717 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025060688 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025061110 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025030307 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025030310 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025041448 | XX | XX | XX |  | XX | XX | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025041453 | XX | XX | XX |  | XX | XX | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025041419 | XX | XX | XX |  | XX | XX | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025041256 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025040434 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025041300 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025041724 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025031108 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025041950 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050315 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025030172 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051688 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050606 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050682 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025041133 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025041136 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025041075 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051051 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025041138 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050307 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025041381 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025040873 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051567 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051752 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 32025031412 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050132 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025050293 | XX | XX | XX |  | XX | XX | D | D | D | D | D |  |  |  |  |  |  |  | A | A | A | A | A |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025040738 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025041715 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050125 | XX | XX | XX |  | XX | XX | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051541 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025040685 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025032020 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051194 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050159 | XX | XX | XX |  | XX | XX | D | D | D | D | D |  |  |  |  |  |  |  | A | A | A | A | A |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050721 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025042776 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025041884 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050905 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050135 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051520 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025032490 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025051409 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025051512 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050868 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025032557 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051551 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025031057 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025050011 | XX | XX | XX |  | XX | XX | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050607 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050390 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025042020 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025040161 | XX | XX | XX |  | XX | XX | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025051033 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025042716 | XX | XX | XX |  | XX | XX | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025040359 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052142 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025021334 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051118 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025050382 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025040181 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051863 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050005 | XX | XX | XX |  | XX | XX | D | D | D | D | D |  |  |  |  |  |  |  | A | A | A | A | A |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051164 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050568 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025051387 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051401 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051163 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051037 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025030826 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052463 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025032570 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051294 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025030405 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025031730 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051637 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052049 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050748 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 32025050299 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 32025051662 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 32025051249 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051418 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051866 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050292 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025031560 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025051675 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050531 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051270 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051252 | XX | XX | XX |  | XX | XX | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051233 | XX | XX | XX |  | XX | XX | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025050506 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052722 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052604 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025031220 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025011233 | XX | XX | XX |  | XX | XX | B | B | B | B | B |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  |
| 12025051599 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025040917 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025042186 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050279 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050861 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025042529 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025030971 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025050401 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050886 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025041782 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051189 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025031752 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052598 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 32025042092 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051865 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025051873 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025051992 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052131 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050955 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025051453 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025032287 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025060359 | XX | XX | XX |  | XX | XX | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025050377 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025051221 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052141 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025052369 | XX | XX | XX |  | XX | XX | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 12025051200 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 12025050600 | XX | XX | XX |  | XX | XX | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | ![](ex99-1sch2_001.jpg) | ![](ex99-1sch2_001.jpg) | ![](ex99-1sch2_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **Run Date - 9/22/2025 8:31:08 PM** | **Run Date - 9/22/2025 8:31:08 PM** | **Run Date - 9/22/2025 8:31:08 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ASF Loan Number | **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **DBRS Initial Exception Rating** | **DBRS Final Exception Rating** | **Fitch Initial Exception Rating** | **Fitch Final Exception Rating** | **Kroll Initial Exception Rating** | **Kroll Final Exception Rating** | **Moody's Initial Exception Rating** | **Moody's Final Exception Rating** | **S&P Initial Exception Rating** | **S&P Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Overall<br> Initial Loan Grade** | **Overall<br> Final Loan Grade** | **Credit<br> Initial Loan Grade** | **Credit<br> Final Loan Grade** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Property<br> Initial Loan Grade** | **Property<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 12025030797 | XX | XX | XX |  | 33785045 | 12025030797-3831 | 04/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The fraud report is missing for XX | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $39,905.71<br>Reserves: 18.18<br> Guideline Requirement: 9.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 724 | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-11): Post-consummation fraud report received.<br>Reviewer Comment (2025-05-05): Waived with compensating factors at clients request.<br>Buyer Comment (2025-05-01): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-05-01): Document provided is dated post-consummation. All credit/income documents are required to be dated on or before consummation date. If lender is accepting document, can request to waive condition.<br>Buyer Comment (2025-04-29): trust added to Fraud |  |  | 05/05/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | TX | Primary | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025021845 | XX | XX | XX |  | 33785206 | 12025021845-2798 | 04/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final 1003 for XX is not provided. | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | Reviewer Comment (2025-04-24): Waived with compensating factors per lender request. |  |  | 04/24/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | TX | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 12025021845 | XX | XX | XX |  | 33785207 | 12025021845-2800 | 04/18/2025 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit Report and Fraud Report for XX is not provided. | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | Reviewer Comment (2025-04-24): Waived with compensating factors per lender request. |  |  | 04/24/2025 | 2 | D | B | D | B | D | B | D | B | D | B | xx | TX | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 12025021845 | XX | XX | XX |  | 33785208 | 12025021845-578 | 04/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided | Borrower: XX | Birth Date is not provided. | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | Reviewer Comment (2025-04-24): Waived with compensating factors per lender request. |  |  | 04/24/2025 | 2 | B | B | B | B | B | B | B | B | B | B | xx | TX | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 12025021845 | XX | XX | XX |  | 33785209 | 12025021845-23698 | 04/18/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XX | No evidence of fraud report in file. | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | Reviewer Comment (2025-04-24): Waived with compensating factors per lender request. |  |  | 04/24/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | TX | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 12025021845 | XX | XX | XX |  | 33785211 | 12025021845-4507 | 04/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing provided is not recent. |  |  |  | Reviewer Comment (2025-04-23): Clear<br>Buyer Comment (2025-04-21): Please find cert of good standing. Please accept although past 10 days from the Note. Thank you. | 04/23/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | TX | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 12025021845 | XX | XX | XX |  | 33785212 | 12025021845-4513 | 04/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-04-23): Clear<br>Buyer Comment (2025-04-21): Please find attached. Thank you | 04/23/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | TX | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 12025022088 | XX | XX | XX |  | 33785215 | 12025022088-23698 | 04/18/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XX | Full fraud report is required in the file |  |  |  | Reviewer Comment (2025-08-04): A post-consummation fraud report was provided.<br>Reviewer Comment (2025-04-28): clear<br>Buyer Comment (2025-04-24): Please find attached final fraud guard for the borrower. Thank you. | 04/28/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | AZ | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 12025022088 | XX | XX | XX |  | 33785217 | 12025022088-2924 | 04/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full Fraud Report is required in the file for all guarantors/borrowers. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: 743 | SitusAMC | Reviewer Comment (2025-08-04): A post-consummation fraud report was provided.<br>Reviewer Comment (2025-04-28): Waived with compensating factors at clients request.<br>Buyer Comment (2025-04-24): Please waive.<br>Reviewer Comment (2025-04-23): Need for second guarantor .<br>Buyer Comment (2025-04-21): Fraud Report attached |  |  | 04/28/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | AZ | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 12025022088 | XX | XX | XX |  | 33785218 | 12025022088-2798 | 04/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | 1003/credit application is required for second Guarantor. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: 743 | SitusAMC | Reviewer Comment (2025-04-28): Waived with compensating factors at clients request.<br>Buyer Comment (2025-04-24): Please waive all guarantor conditions to an exception grade of 2 due to the following compensating factors:<br> Borrowers' fico score is 40+ points over the minimum required for program/product. <br> Borrowers ltv of 65% is less than the max permitted for this program/product. Borrower is an experienced property owner/landlord. Thank you. |  |  | 04/28/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | AZ | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 12025022088 | XX | XX | XX |  | 33785219 | 12025022088-2800 | 04/18/2025 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Required for second Guarantor. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: 743 | SitusAMC | Reviewer Comment (2025-04-28): Waived with compensating factors at clients request.<br>Buyer Comment (2025-04-24): Please waive all guarantor conditions to an exception grade of 2 due to the following compensating factors:<br> Borrowers' fico score is 40+ points over the minimum required for program/product. <br> Borrowers ltv of 65% is less than the max permitted for this program/product. Borrower is an experienced property owner/landlord. Thank you.<br>Reviewer Comment (2025-04-23): Required for second guarantor.<br>Buyer Comment (2025-04-21): Credit Report attached |  |  | 04/28/2025 | 2 | D | B | D | B | D | B | D | B | D | B | xx | AZ | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 12025022088 | XX | XX | XX |  | 33785220 | 12025022088-6460 | 04/18/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Required for second Guarantor. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: 743 | SitusAMC | Reviewer Comment (2025-08-04): Post-consummation fraud report provided<br>Reviewer Comment (2025-04-28): Waived with compensating factors at clients request.<br>Buyer Comment (2025-04-24): Please waive all guarantor conditions to an exception grade of 2 due to the following compensating factors:<br> Borrowers' fico score is 40+ points over the minimum required for program/product. <br> Borrowers ltv of 65% is less than the max permitted for this program/product. Borrower is an experienced property owner/landlord. Thank you. |  |  | 04/28/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | AZ | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 12025031129 | XX | XX | XX |  | 33785258 | 12025031129-2924 | 04/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-04-24): Received<br>Buyer Comment (2025-04-23): Fraud Report Attached | 04/24/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025031129 | XX | XX | XX |  | 33785259 | 12025031129-5205 | 04/22/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is missing for the business entity and the guarantor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 74.15<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 770 | SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-11): Post-consummation clear OFAC provided for additional guarantor and borrowing entity.<br>Reviewer Comment (2025-04-29): Waived with compensating factors at clients request.<br>Buyer Comment (2025-04-25): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-04-24): Received fraud report; however, Calvin, who signed loan documents, is not reflected in the OFAC searches. Please provide OFAC for this individual, as guidelines require OFAC on all parties to the transaction.<br>Buyer Comment (2025-04-23): see attached fraud report |  |  | 04/29/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | CA | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025031129 | XX | XX | XX |  | 33785261 | 12025031129-7901 | 04/22/2025 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-04-24): Received<br>Buyer Comment (2025-04-23): see attached fraud report | 04/24/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025031129 | XX | XX | XX |  | 33785262 | 12025031129-23698 | 04/22/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-04-24): Received<br>Buyer Comment (2025-04-23): see attached fraud report | 04/24/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025031129 | XX | XX | XX |  | 33785263 | 12025031129-3831 | 04/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Photo ID was not provided for XX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 74.15<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 770 | SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-24): Waived with compensating factors per lender request.<br>Buyer Comment (2025-04-24): Lender accepts. Please waive with available compensating factors |  |  | 04/24/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | CA | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025031129 | XX | XX | XX |  | 33785264 | 12025031129-578 | 04/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided | Borrower: XX | Signed as member only. Not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 74.15<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 770 | SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-24): Waived with compensating factors per lender request.<br>Buyer Comment (2025-04-24): Lender accepts. Please waive with available compensating factors |  |  | 04/24/2025 | 2 | B | B | B | B | B | B | B | B | B | B | xx | CA | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025031129 | XX | XX | XX |  | 33785265 | 12025031129-5383 | 04/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | Spousal consent was not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 74.15<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 770 | SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-24): Waived with compensating factors per lender request.<br>Buyer Comment (2025-04-24): Lender accepts. Please waive with available compensating factors |  |  | 04/24/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | CA | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025031129 | XX | XX | XX |  | 33785267 | 12025031129-25749 | 04/22/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Provide the final Closing Statement fully executed by the borrower or stamped true and certified with signature from title representative. Copy provided is an estimate. |  |  |  | Reviewer Comment (2025-04-24): Received<br>Buyer Comment (2025-04-24): final | 04/24/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025042189 | XX | XX | XX |  | 33785594 | 12025042189-23698 | 05/23/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XX | The guarantee agreement is signed by 3 individuals. The file is missing the fraud report for the third guarantor, XX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 49.45<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 815 | SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-29): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-05-27): Lender accepts. Please waive with available compensating factors |  |  | 05/29/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | PA | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 12025042189 | XX | XX | XX |  | 33785595 | 12025042189-578 | 05/23/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided | Borrower: XX | The guarantee agreement is signed by 3 individuals. The file is missing the application for the third guarantor, XX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 49.45<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 815 | SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-29): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-05-27): Lender accepts. Please waive with available compensating factors |  |  | 05/29/2025 | 2 | B | B | B | B | B | B | B | B | B | B | xx | PA | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 12025042189 | XX | XX | XX |  | 33785596 | 12025042189-5205 | 05/23/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | The guarantee agreement is signed by 3 individuals. The file is missing the OFAC for the third guarantor, XX. In addition, the file is missing the OFAC search for the business entity. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 49.45<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 815 | SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-11): Post-consummation OFAC received for 3rd guarantor.<br>Reviewer Comment (2025-08-04): Post-consummation OFAC search was provided for third guarantor.<br>Reviewer Comment (2025-05-29): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-05-27): Lender accepts. Please waive with available compensating factors |  |  | 05/29/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | PA | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 12025042189 | XX | XX | XX |  | 33785597 | 12025042189-2800 | 05/23/2025 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | The guarantee agreement is signed by 3 individuals. The file is missing the credit report for the third guarantor, XX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 49.45<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 815 | SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-29): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-05-27): Lender accepts. Please waive with available compensating factors |  |  | 05/29/2025 | 2 | D | B | D | B | D | B | D | B | D | B | xx | PA | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 400089416 | XX | XX | XX |  | 34448756 | 1052848771-4436 | 11/20/2024 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XX/07/2024) | Borrower waived right to receive a copy of the appraisal at least three business days prior to closing, and appraisal (Report Date 11/XX/2024) was not provided at or before closing |  |  |  | Buyer Comment (2024-12-10): SG acknowledges and waives this non-material EV2 finding<br>Seller Comment (2024-12-06): see attached<br> XX (Unclassified) was uploaded<br>Reviewer Comment (2024-11-25): Exception remains: Doc XX suggests appraisal was delivered to borrower on 11/XX/2024 which is post note date of 11/XX/2024 provide proof of delivery which is three business days prior to closing<br>Seller Comment (2024-11-21): Attached appraisal waiver is signed 10/28 prior to appraisal report of 11/XX/24<br> XX Appraisal Waiver.pdf (Appraisal) was uploaded |  |  | 12/10/2024 | 2 | B | B | B | B | B | B | B | B | B | B | xx | CA | Primary | Purchase |  | B | B | A | A | B | B | A | A | Non QM | Non QM | No |
| 400094443 | XX | XX | XX |  | 34448761 | 1052851155-31591 | 12/20/2024 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: 11/XX/2024 | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | Reviewer Comment (2024-12-30): Document provided to verify FNMA approval. Exception cleared.<br>Seller Comment (2024-12-24): xx Condo approval.pdf (Credit Review Documentation) was uploaded | 12/30/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Primary | Purchase |  | C | A | C | A | A | A | A | A | Non QM | Non QM | No |
| 400095900 | XX | XX | XX |  | 34448767 | 1052867917-6498 | 12/27/2024 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: 09/XX/2024 | The transfer letter in file has a date of 13/XX/2024 and it states the appraisal was transferred to XX The lender is, XX |  |  |  | Reviewer Comment (2025-01-07): Appraisal Transfer Letter received and verified. Exception cleared.<br>Seller Comment (2025-01-06): TXX | 01/07/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A | xx | NY | Investment | Refinance - Cash-out - Other |  | B | A | A | A | A | A | B | A | Non QM | N/A | No |
| 400093743 | XX | XX | XX |  | 34448773 | 4000056133-855 | 12/12/2024 | 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: 10/XX/2024 <br> Disaster End Date: 11/XX/2024<br> Disaster Name: XX<br> Disaster Declaration Date: 10/XX/2024 |  | 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: 10/xx/2024. | SitusAMC | Reviewer Comment (2024-12-12): Most Recent Valuation Inspection Date: 10/XX/2024 Disaster End Date: 11/XX/2024 Disaster Name: HURRICANE XX Disaster Declaration Date: 10/XX/2024 |  |  | 12/12/2024 | 2 | B | B | B | B | B | B | B | B | B | B | xx | FL | Primary | Purchase |  | C | B | C | B | A | A | A | A | Non QM | Non QM | No |
| 400093743 | XX | XX | XX |  | 34448774 | 4000056133-33616 | 12/12/2024 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | The file is missing copy of E-sign document . |  |  |  | Reviewer Comment (2024-12-13): Received E-Sign Consent Agreement. Exception cleared.<br>Seller Comment (2024-12-13): Comment from XX: econsent | 12/13/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Primary | Purchase |  | C | B | C | B | A | A | A | A | Non QM | Non QM | No |
| 400093632 | XX | XX | XX |  | 34448776 | 4000057950-32065 | 12/23/2024 | 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). |  |  |  | Reviewer Comment (2024-12-23): Accepted as is. |  |  | 12/23/2024 | 2 | B | B | B | B | B | B | B | B | B | B | xx | CA | Primary | Purchase |  | B | B | B | B | A | A | A | A | Non QM | Non QM | No |
| 400091279 | XX | XX | XX |  | 34448813 | 12024090289-2798 | 10/21/2024 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-25): Waived with compensating factors per client request.<br>Buyer Comment (2024-11-21): Lender accepts. Please waive with available compensating factors.<br>Reviewer Comment (2024-10-23): This loan closed using income to qualify and while it is an investment transaction, it is considered a CCT loan and tested as such. A final 1003 will be required to clear this condition.<br>Buyer Comment (2024-10-21): Hello - this is a Business purpose loan and final 1003 is not required. Please see attached initial 1003. thank you |  |  | 11/25/2024 | 2 | C | B | C | B | C | B | C | B | C | B | xx | PA | Investment | Purchase |  | C | B | C | B | A | B | A | A | N/A | N/A | No |
| 400091279 | XX | XX | XX |  | 34448814 | 12024090289-23928 | 10/21/2024 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-25): Waived with compensating factors per client request.<br>Buyer Comment (2024-11-21): Lender accepts. Please waive with available compensating factors.<br>Reviewer Comment (2024-10-28): Updated 1003 received, along with LOE to borrower; however, need signed, final 1003 received back from borrower to update citizenship status.<br>Buyer Comment (2024-10-24): please see attached final 1003 - thank you<br>Reviewer Comment (2024-10-23): Per the 1st page of the 1003 provided, borrower is a non-permanent resident alien.<br>Buyer Comment (2024-10-23): Borrower is a US Citizen per 1003 |  |  | 11/25/2024 | 2 | C | B | C | B | C | B | C | B | C | B | xx | PA | Investment | Purchase |  | C | B | C | B | A | B | A | A | N/A | N/A | No |
| 400091279 | XX | XX | XX |  | 34448816 | 12024090289-24752 | 10/21/2024 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | Borrower: XX | Missing evidence of non-permanent resident alien status. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-25): Waived with compensating factors per client request.<br>Buyer Comment (2024-11-21): Lender accepts. Please waive with available compensating factors.<br>Reviewer Comment (2024-10-23): Per the 1st page of the 1003 in initial submission and provided in trailing documents, borrower is a non-permanent resident alien.<br>Buyer Comment (2024-10-22): Borrower is a US citizen per 1003. Please cancel exception. |  |  | 11/25/2024 | 2 | C | B | C | B | C | B | C | B | C | B | xx | PA | Investment | Purchase |  | C | B | C | B | A | B | A | A | N/A | N/A | No |
| 400091279 | XX | XX | XX |  | 34448817 | 12024090289-31472 | 10/23/2024 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing Non Material | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. Investment occupancy with business purpose cert in file. Business purpose loans exempt from RESPA HUD-1 requirement. EV2 informational finding to indicate which document was used to source fees for any applicable testing. | File closed using title company closing statement and not a HUD-1 or final CD. This is an EV2 condition client can elect to waive if a HUD-1 or CD cannot be provided. |  |  |  | Reviewer Comment (2024-11-25): Client elects to waive.<br>Buyer Comment (2024-11-25): Please waive to EV2 condition for HUD1/Final CD. |  |  | 11/25/2024 | 2 |  | B |  | B |  | B |  | B |  | B | xx | PA | Investment | Purchase |  | C | B | C | B | A | B | A | A | N/A | N/A | No |
| 400103303 | XX | XX | XX |  | 34448827 | 1052925248-30935 | 03/20/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. | Borrower: XX | The subject transaction is "Purchase of Primary" but as per declaration section "5A - Will you occupy the property as you Primary Residence?" is check as "No" for Co-Borrower. |  |  |  | Reviewer Comment (2025-03-25): Co-borrower is non occupant, exception cleared.<br>Seller Comment (2025-03-21): Can we please have the condition below waived. See comments on the 1008, under "transaction", Co-Borrower is a non-occupant. the 1003 is correctly marked as "no" | 03/25/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | NY | Primary | Purchase |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 400103303 | XX | XX | XX |  | 34448829 | 1052925248-6542 | 03/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $1,295.00 exceeds tolerance of $1,195.00. Insufficient or no cure was provided to the borrower. (73196) | Underwriting Fee disclosed as $1,195.00 on LE dated 01/XX/2025, but disclosed as $1,295.00 on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-03-28): SitusAMC Received Corrected PCCD, LOE and Payment history.<br>Seller Comment (2025-03-26): please see cure uploaded<br>Reviewer Comment (2025-03-24): SitusAMC received LOE stating LE dated 01/08 was generated by broker by mistake, but the file contains borrower signed intent to proceed dated 01/08 and we cannot ignore the LE dated 01/08 from testing. LE 3-day timing is triggered by the earlier of broker or creditor application date. A valid change circumstance or cure will be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Seller Comment (2025-03-21): Please see rebuttal letter and intial LE previously submitted. |  | 03/28/2025 |  | 2 | C | B | C | B | C | B | C | B | C | B | xx | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 400103303 | XX | XX | XX |  | 34448830 | 1052925248-6542 | 03/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $205.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75104) | Appraisal Review Fee of $205.00 was not disclosed on Loan Estimate. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-03-28): SitusAMC Received Corrected PCCD, LOE and Payment history.<br>Seller Comment (2025-03-26): Please see attached for LOE, PR,COC PCCD.<br> xx PCCD COC PR.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-03-24): SitusAMC received LOE stating LE dated 01/xx was generated by broker by mistake, but the file contains borrower signed intent to proceed dated 01/08 and we cannot ignore the LE dated 01/xx from testing. LE 3-day timing is triggered by the earlier of broker or creditor application date. A valid change circumstance or cure will be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Seller Comment (2025-03-21): See rebuttal ltr and initial LE<br> REBUTTAL LTR AND INITIAL LE.pdf (Unclassified) was uploaded |  | 03/28/2025 |  | 2 | C | B | C | B | C | B | C | B | C | B | xx | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 400103303 | XX | XX | XX |  | 34448831 | 1052925248-6542 | 03/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for MERS Fee. Fee Amount of $24.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7539) | MERS Fee of $24.95 was not disclosed on Loan Estimate. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-03-28): SitusAMC Received Corrected PCCD, LOE and Payment history.<br>Seller Comment (2025-03-26): please see cure uploaded<br>Reviewer Comment (2025-03-24): SitusAMC received LOE stating LE dated 01/xx was generated by broker by mistake, but the file contains borrower signed intent to proceed dated 01/xx and we cannot ignore the LE dated 01/08 from testing. LE 3-day timing is triggered by the earlier of broker or creditor application date. A valid change circumstance or cure will be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Seller Comment (2025-03-21): Please see rebuttal letter and intial LE previously submitted. |  | 03/28/2025 |  | 2 | C | B | C | B | C | B | C | B | C | B | xx | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 400103303 | XX | XX | XX |  | 34448832 | 1052925248-25838 | 03/20/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XX Statement | Closing Statement/First Payment Letter/Statement for XX not provided. |  |  |  | Reviewer Comment (2025-03-28): HUD and closing instructions provided.<br>Reviewer Comment (2025-03-27): Exception Remains - Required Closing Disclosure or Mortgage Statement for REO property 1XX to verify PITIA amount, unable to identify PITIA amount on provided final HUD-1.<br>Seller Comment (2025-03-26): Pleased see attached final hud<br> REO Final HUD.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-03-24): Exception Remains - The new mortgage has been taken on this property XX Provide the final closing disclosure or Mortgage statement..<br>Seller Comment (2025-03-21): Per Closing instruction P&I is calculated at $138,750, 30 years, @ 7.4% interest rate =$960.68.<br> XX POST CLOSING INSTRUCTIONS.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-03-21): Tax and Insurance verification received, mortgage statement is required or document confirming P&I of the property. HUD document is not clear. Exception Remains.<br>Seller Comment (2025-03-20): Please see attached<br> XXpdf (Unclassified) was uploaded | 03/28/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | NY | Primary | Purchase |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 400103323 | XX | XX | XX |  | 34448836 | 250227238-6572 | 03/20/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/13/2025) | Appraisal report dated 02/XX/2025 is missing evidence of receipt. |  |  |  | Reviewer Comment (2025-03-21): Appraisal delivery receipt received. Exception Cleared.<br>Buyer Comment (2025-03-20): Proof of Appraisal Delivery was included in the initial shipping package and is located in your portal under doc ID XX. | 03/21/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A | xx | FL | Second Home | Purchase |  | C | B | C | B | B | A | A | A | Non QM | Non QM | No |
| 400103323 | XX | XX | XX |  | 34448838 | 250227238-31591 | 03/20/2025 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: 02/XX/2025 | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | Reviewer Comment (2025-03-21): Questionnaire provided meets guides.<br>Reviewer Comment (2025-03-21): Exception Remains - HOA Questionnaire is available in file however required Project approval also to associate.<br>Buyer Comment (2025-03-20): Condo Questionnaire supporting warrantability was included in the initial shipping package and is in your portal under doc ID XX. | 03/21/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Second Home | Purchase |  | C | B | C | B | B | A | A | A | Non QM | Non QM | No |
| 400103323 | XX | XX | XX |  | 34448840 | 250227238-3831 | 03/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception required due to HOA shows a 29.5% delinquency rate which exceeds the non- warrantable condo max of 25% is approved | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 28.46<br> Guideline Requirement: 3.00<br>DTI: 33.03073% <br> Guideline Maximum DTI: 45.00000%<br>Guidelines Representative FICO: 680<br> Representative FICO: 787 | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-03-21): Client elects to waive with comp factors.<br>Buyer Comment (2025-03-20): This should never be released as a finding and needs to be signed off with a level 2 grade. |  |  | 03/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | FL | Second Home | Purchase |  | C | B | C | B | B | A | A | A | Non QM | Non QM | No |
| 400103323 | XX | XX | XX |  | 34448841 | 250227238-3831 | 03/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception: HOA Master Policy Peril coverages does not include Falling Objects and Weight of Snow. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 28.46<br> Guideline Requirement: 3.00<br>DTI: 33.03073% <br> Guideline Maximum DTI: 45.00000%<br>Guidelines Representative FICO: 680<br> Representative FICO: 787 | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-03-21): Client elects to waive with comp factors. |  |  | 03/21/2025 | 2 |  | B |  | B |  | B |  | B |  | B | xx | FL | Second Home | Purchase |  | C | B | C | B | B | A | A | A | Non QM | Non QM | No |
| 400103257 | XX | XX | XX |  | 34448848 | 250226795-6583 | 03/24/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $155.50 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Credit report fee amount of $155.50 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-03-20): Sufficient Cure Provided At Closing |  | 03/20/2025 |  | 1 | A | A | A | A | A | A | A | A | A | A | xx | IN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| 400103316 | XX | XX | XX |  | 34448850 | 250226922-6572 | 03/24/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/21/2025) | No evidence in file showing borrower received copy of appraisal. |  |  |  | Reviewer Comment (2025-03-26): Appraisal delivery confirmation document was provided , Exception cleared.<br>Buyer Comment (2025-03-25): The proof of delivery was provided in the initial shipping package Doc ID XX page 667, which reflets the appraisal report was sent on 2/XX/2025, the presumed receipt date is 2/XX/2025, the loan closed on 3/XX/2025, the 3 business day ECOA requirements were met. | 03/26/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A | xx | GA | Primary | Purchase |  | C | A | A | A | C | A | A | A | Non QM | Non QM | No |
| 400103316 | XX | XX | XX |  | 34448854 | 250226922-6542 | 03/24/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $175.00 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. (7520) | Credit fee disclosed as $100.00 on initial CD and as $175.00 on final CD. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-03-27): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-03-25): The $75 cure for the increase in the credit report fee was applied to the Final CD Doc ID XX page 190, section J which states "Includes $75.00 credit for increase in Closing Costs above legal limit". | 03/27/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | No |
| 400103316 | XX | XX | XX |  | 34448855 | 250226922-6583 | 03/27/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $175.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (2025-03-27): Sufficient Cure Provided At Closing |  | 03/27/2025 |  | 1 |  | A |  | A |  | A |  | A |  | A | xx | GA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No |
| 400104764 | XX | XX | XX |  | 34448884 | 1052925711-5366 | 03/25/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 53.55165% exceeds Guideline total debt ratio of 50.00000%. | Calculated investor qualifying total debt ratio of 53.71189% exceeds Guideline total debt ratio of 50.00000%. Unable to determine difference as UW Income analysis in file reflects same income as used in review. |  |  |  | Reviewer Comment (2025-04-02): Received updated documentation regarding excluded debts allowed per guides and using rental income. Condition cleared.<br>Seller Comment (2025-04-01): see updated 1003-1008 and lease. UW Director re-worked income and assets<br> XX 1003 1008 and Lease.pdf (Unclassified) was uploaded | 04/02/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 400104764 | XX | XX | XX |  | 34448885 | 1052925711-3136 | 03/25/2025 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. |  |  |  | Reviewer Comment (2025-04-03): Exception Cleared; RESPA Homeownership Counseling List disclosure is received within 3 days of Application date.<br>Seller Comment (2025-04-02): see attached<br> XX LE and Home Counciling.pdf (Unclassified) was uploaded | 04/03/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A | xx | CA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 400104764 | XX | XX | XX |  | 34448886 | 1052925711-26033 | 03/25/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/XX/19/2025) | Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. |  |  |  | Reviewer Comment (2025-04-10): SitusAMC received adverse action notice from Net 1 Funding confirming borrower withdraw of prior application<br>Seller Comment (2025-04-09): see attached<br> XX Termination of Application.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-04-04): SitusAMC received LOE explaining 02/xx application was from Net1 funding. To remove LE and application from testing an adverse action/Deniel letter is required with reason for cancellation.<br>Seller Comment (2025-04-02): XX Rebuttal and 1003.pdf (Unclassified) was uploaded | 04/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 400104764 | XX | XX | XX |  | 34448888 | 1052925711-5695 | 03/25/2025 | 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 DTI issue. |  |  |  | Reviewer Comment (2025-04-02): Received updated documentation regarding excluded debts allowed per guides and using rental income. Condition cleared.<br>Seller Comment (2025-04-01): see updated 1003-1008 and lease. Re-worked income and assets<br> XX 1003 1008 and Lease.pdf (Unclassified) was uploaded | 04/02/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 400104764 | XX | XX | XX |  | 34448889 | 1052925711-25034 | 03/25/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 53.55165% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Calculated investor qualifying total debt ratio of 53.71189% exceeds Guideline total debt ratio of 50.00000%. Unable to determine difference as UW Income analysis in file reflects same income as used in review. |  |  |  | Reviewer Comment (2025-04-02): Received updated documentation regarding excluded debts allowed per guides and using rental income. Condition cleared.<br>Seller Comment (2025-04-01): see updated 1003-1008 and lease. UW Director re-worked income and assets<br> XX 1003 1008 and Lease.pdf (Unclassified) was uploaded | 04/02/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 400104764 | XX | XX | XX |  | 34448890 | 1052925711-25029 | 03/25/2025 | 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 DTI issue, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-04-02): Received updated documentation regarding excluded debts allowed per guides and using rental income. Condition cleared.<br>Seller Comment (2025-04-01): see updated 1003-1008 and lease. UW Director re-worked income and assets<br> XX 1003 1008 and Lease.pdf (Unclassified) was uploaded | 04/02/2025 |  |  | 1 | B | A | C | A | B | A | C | A | B | A | xx | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 400104748 | XX | XX | XX |  | 34448892 | 1052924844-31591 | 04/08/2025 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: 03/XX/2025 | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | Reviewer Comment (2025-04-10): PUD warranty received, exception cleared.<br>Seller Comment (2025-04-09): XX Condo Warranty.pdf (Credit Review Documentation) was uploaded | 04/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | AL | Investment | Purchase |  | C | A | C | A | B | A | A | A | N/A | N/A | No |
| 400104748 | XX | XX | XX |  | 34448893 | 1052924844-25838 | 04/08/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXStatement |  |  |  |  | Reviewer Comment (2025-04-10): REO documents received, exception cleared.<br>Seller Comment (2025-04-09): Property was recently Refinanced. Uploaded is the CD from Refinance to verify previous mortgage with Merchants paid off, XX (Credit Review Documentation) was uploaded | 04/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | AL | Investment | Purchase |  | C | A | C | A | B | A | A | A | N/A | N/A | No |
| 400104748 | XX | XX | XX |  | 34448894 | 1052924844-6572 | 04/08/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/13/2025) | Verification appraisal was delivered to borrower 3 business days prior to closing was not provided. |  |  |  | Reviewer Comment (2025-04-10): Received Appraisal delivery receipt dated 3/XX/2025. Exception cleared.<br>Seller Comment (2025-04-09): Loan closed 3/XX/25. Evidence of delivery at least 3 days prior to closing uploaded.<br> XXAppraisal Delivery Confirmation.pdf (Delivery Confirmation) was uploaded | 04/10/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A | xx | AL | Investment | Purchase |  | C | A | C | A | B | A | A | A | N/A | N/A | No |
| 400104734 | XX | XX | XX |  | 34448899 | 1052925172-5366 | 03/31/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 60.23171% exceeds Guideline total debt ratio of 50.00000%. | Missing Lease agreement for XXproperty. |  |  |  | Reviewer Comment (2025-04-01): Guideline requirement met for short term rental.<br>Seller Comment (2025-03-31): The property is an XX rental property, in which can rent the property for days at a time. The attachedXX earning reports for 2024 & 2025 shows an average of how often the property is rented<br> 2XXf (Unclassified) was referenced | 04/01/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 400104734 | XX | XX | XX |  | 34448900 | 1052925172-29639 | 03/31/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing Lease agreement for XXproperty. |  |  |  | Reviewer Comment (2025-04-01): Guideline requirement met for short term rental.<br>Seller Comment (2025-03-31): The property is anXX rental property, in which can rent the property for days at a time. The attached XX earning reports for 2024 & 2025 shows an average of how often the property is rented<br> XX (Unclassified) was referenced | 04/01/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 400104734 | XX | XX | XX |  | 34448901 | 1052925172-25029 | 03/31/2025 | 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 exception due to missing lease agreement for XXproperty. |  |  |  | Reviewer Comment (2025-04-01): Guideline requirement met for short term rental.<br>Seller Comment (2025-03-31): The property is an XX rental property, in which can rent the property for days at a time. The attached XX earning reports for 2024 & 2025 shows an average of how often the property is rented<br> XX XX.pdf (Unclassified) was referenced | 04/01/2025 |  |  | 1 | B | A | C | A | B | A | C | A | B | A | xx | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 400104734 | XX | XX | XX |  | 34448902 | 1052925172-5695 | 03/31/2025 | 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 exception due to missing lease agreement for XXproperty. |  |  |  | Reviewer Comment (2025-04-01): Guideline requirement met for short term rental.<br>Seller Comment (2025-03-31): The property is an XX rental property, in which can rent the property for days at a time. The attached XX earning reports for 2024 & 2025 shows an average of how often the property is rented<br> XX XX.pdf (Unclassified) was referenced | 04/01/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 400104734 | XX | XX | XX |  | 34448903 | 1052925172-25035 | 03/31/2025 | 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 1026.43(c)(5) of 60.23171% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Waterfall exception due to missing lease agreement for XXproperty. |  |  |  | Reviewer Comment (2025-04-01): Guideline requirement met for short term rental.<br>Seller Comment (2025-03-31): The property is an XX rental property, in which can rent the property for days at a time. The attached XX earning reports for 2024 & 2025 shows an average of how often the property is rented<br> XX XX.pdf (Unclassified) was referenced | 04/01/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 400104734 | XX | XX | XX |  | 34448904 | 1052925172-33058 | 03/31/2025 | 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 exception due to missing lease agreement for XXproperty. |  |  |  | Reviewer Comment (2025-04-01): Guideline requirement met for short term rental.<br>Seller Comment (2025-03-31): The property is an XX rental property, in which can rent the property for days at a time. The attached XX earning reports for 2024 & 2025 shows an average of how often the property is rented<br> XX XX.pdf (Unclassified) was uploaded | 04/01/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 400103320 | XX | XX | XX |  | 34448955 | 250226846-7901 | 03/13/2025 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: XX | Member OFAC not provided. |  |  |  | Reviewer Comment (2025-03-17): Received clear OFAC search for xx Exception cleared.<br>Buyer Comment (2025-03-14): Submitted OFAC for XX for review. | 03/17/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | OH | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 400103240 | XX | XX | XX |  | 34448958 | 250226713-31591 | 03/12/2025 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: 02/XX/2025 | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | Reviewer Comment (2025-03-13): Condominium Preoject Questionnaire in file.<br>Reviewer Comment (2025-03-13): No new document received. Document with ID D0233 is HOA Questionnaire which does not contain information if condo is warrantable. Provide documentation confirming the condo is warrantable. Exception remains.<br>Buyer Comment (2025-03-12): Condo Questionnaire supporting warrantability was included in the initial shipping package and is located in your portal under doc ID D0233. | 03/13/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 400103248 | XX | XX | XX |  | 34448962 | 241225700-4264 | 03/28/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.65 is less than Guideline PITIA months reserves of 6.00. | Calculated reserves of 2.65 is less than Guideline reserves requirement of 6.00. |  |  |  | Reviewer Comment (2025-04-04): Received updated instruction stating lender used 01/XX/2025 guides. Condition cleared.<br>Buyer Comment (2025-04-01): Submitted DataTape with updated version used to qualify. Initial approval went out 12/XX/2024. Prior to the loan being cleared to close on 3/XX/2025, UW applied 1/XX/2025 version with no reserve requirement, which has now been updated.<br>Reviewer Comment (2025-03-31): Investor connect required 3 months reserves. Exception remains.<br>Buyer Comment (2025-03-28): 3/XX/2025 – Submitted rebuttal to AMC. File originated on 12/XX/2024 which was after the Investor Connect guidelines were updated as of 10/XX/2024 to allow for no reserves on DSCR product having a ratio over 1.00%. | 04/04/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025020858 | XX | XX | XX |  | 34473454 | 12025020858-25749 | 03/27/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated Closing Statement. |  |  |  | Reviewer Comment (2025-04-01): clear<br>Buyer Comment (2025-03-28): Attached Final SS | 04/01/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025020858 | XX | XX | XX |  | 34473455 | 12025020858-3831 | 03/27/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Underwriter income analysis is required when asset utilization is used for income. The worksheet was not provided and is required. DSCR is subject to recalculation. |  |  |  | Reviewer Comment (2025-04-03): clear<br>Buyer Comment (2025-04-01): Attached is the requested doc.<br>Reviewer Comment (2025-04-01): Provide the UW Income worksheet.<br>Buyer Comment (2025-03-28): Attached is doc requested | 04/03/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025041018 | XX | XX | XX |  | 34473471 | 12025041018-25749 | 05/02/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | The file is missing the final HUD-1. Copy in file is an estimate. |  |  |  | Reviewer Comment (2025-05-07): clear<br>Buyer Comment (2025-05-05): final | 05/07/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025041018 | XX | XX | XX |  | 34473472 | 12025041018-4513 | 05/02/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | The Articles of Organization for XX is missing from the file. |  |  |  | Reviewer Comment (2025-05-12): Cleared.<br>Buyer Comment (2025-05-08): Article of Organization | 05/12/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025032271 | XX | XX | XX |  | 34473477 | 12025032271-2924 | 05/07/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Missing Full Fraud Report. |  |  |  | Reviewer Comment (2025-05-28): Received<br>Buyer Comment (2025-05-23): Please find final fraud guard attached. | 05/28/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025032271 | XX | XX | XX |  | 34473478 | 12025032271-23698 | 05/07/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XX | Exception set for missing Fraud Report. |  |  |  | Reviewer Comment (2025-05-28): Received<br>Buyer Comment (2025-05-23): Please find final fraud guard attached. | 05/28/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025041443 | XX | XX | XX |  | 34473502 | 12025041443-3831 | 05/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception allowing borrower living rent free with a parent. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 252.88<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 778 | SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-16): Waived with compensating factors per lender exception approval at origination. |  |  | 05/16/2025 | 2 | B | B | B | B | B | B | B | B | B | B | xx | MD | Investment | Refinance - Cash-out - Other |  | B | B | B | B |  |  | A | A |  | N/A | No |
| 12025041923 | XX | XX | XX |  | 34473506 | 12025041923-25749 | 05/27/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | The file is missing the final executed HUD/Closing Statement. |  |  |  | Reviewer Comment (2025-06-05): clear<br>Buyer Comment (2025-06-03): Final | 06/05/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CT | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025040736 | XX | XX | XX |  | 34473552 | 12025040736-595 | 06/04/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | The title commitment reflects open judgments; however, the judgment report was not provided for review. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 47.82609%<br> Guideline Maximum Loan to Value: 70.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 712 | SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-22): Clear final title in file.<br>Reviewer Comment (2025-09-22): Waived in error<br>Reviewer Comment (2025-07-24): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-07-22): Please see attached exception. Thank you. | 09/22/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | NY | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025040736 | XX | XX | XX |  | 34473553 | 12025040736-3831 | 06/04/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per final closing statement, judgments that appear to be against the individual guarantors were paid through subject loan closing. Personal debt cannot be paid through a business purpose loan. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 47.82609%<br> Guideline Maximum Loan to Value: 70.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 712 | SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-24): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-07-22): 07/22-Please see attached Exception |  |  | 07/24/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | NY | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025031411 | XX | XX | XX |  | 34473571 | 12025031411-4507 | 06/13/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is older than 90 days. |  |  |  | Reviewer Comment (2025-07-02): clear<br>Buyer Comment (2025-07-01): Please accept in place of "Cert of Good Standing". Thank you. | 07/02/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | IL | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025031411 | XX | XX | XX |  | 34473572 | 12025031411-24197 | 06/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | Missing from appraisal dated 2/XX/25 |  |  |  | Reviewer Comment (2025-07-02): Cleared with most recent 1007.<br>Buyer Comment (2025-07-01): Please see 2/XX/2025 appraisal attached. | 07/02/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | IL | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025031411 | XX | XX | XX |  | 34473574 | 12025031411-4245 | 07/25/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Max LTV with DSCR below 1.0 is 75%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 63.15<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 788 | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-28): Waived with compensating factors per lender exception approval.<br>Reviewer Comment (2025-07-28): Cancelled in error.<br>Reviewer Comment (2025-07-25): Need to get further clarification. |  |  | 07/28/2025 | 2 |  | B |  | B |  | B |  | B |  | B | xx | IL | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025041165 | XX | XX | XX |  | 34473583 | 12025041165-5205 | 06/16/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | The file is missing the OFAC search for both the borrowing business entities. |  |  |  | Reviewer Comment (2025-07-22): OFAC received<br>Buyer Comment (2025-07-18): xx (2) business ofac checks attached. Thank you.<br>Buyer Comment (2025-07-18): Please find documents attached along with exception. Thank you. | 07/22/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | PA | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025041165 | XX | XX | XX |  | 34473584 | 12025041165-5380 | 06/16/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | The file is missing the Operating Agreement for the sub-entity, XX. The file contains an email chain that indicates the Lender approved the loan without an Operating Agreement for the sub-entity; however, it appears the sub-entity is not solely owned by the signor as the EIN indicates a different individual as a member of the sub-entity and the Certificate of Formation shows the signor as a member but does not provide the ownership percentage. If the signor is not the sole owner of the sub-entity, documentation to verify the signor has signing authority from all members will be required. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700<br> Representative FICO: 779 | Originator,SitusAMC | Reviewer Comment (2025-07-22): Waived with compensating factors per lender exception approval received in trailing documents.<br>Buyer Comment (2025-07-18): Please find exception attached. Thank you. |  |  | 07/22/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | PA | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025041165 | XX | XX | XX |  | 34473585 | 12025041165-4062 | 07/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Guarantor is not sole owner of underlying sub-entity and signing authority from all members is not present in loan file. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700<br> Representative FICO: 779 | Originator,SitusAMC | Reviewer Comment (2025-07-22): Waived with compensating factors per lender exception approval received in trailing documents. |  |  | 07/22/2025 | 2 |  | B |  | B |  | B |  | B |  | B | xx | PA | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025051337 | XX | XX | XX |  | 34473598 | 12025051337-23931 | 06/17/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  |  |  | Reviewer Comment (2025-07-23): Final title received | 07/23/2025 |  |  | 1 | A | A | A | A | A | A | A | A | A | A | xx | PA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025051337 | XX | XX | XX |  | 34473599 | 12025051337-31588 | 06/17/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date 06/XX/2025, Disbursement Date: 06/XX/2025 |  |  |  |  | Reviewer Comment (2025-07-09): Cleared Per client, accepting HOI as effective date is same as disbursement date.<br>Reviewer Comment (2025-07-08): Required to be active at time of closing per guidelines.<br>Buyer Comment (2025-07-03): The HOI effective date starts on 06/XX/2025. The disbursement date is 06/XX/2025. The HOI effective date is in compliance as it started the same day the settlement agent disbursed the funds. Please advise if you are able to clear, thank you! | 07/09/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | PA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025051337 | XX | XX | XX |  | 34473600 | 12025051337-5347 | 06/17/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Non-Owner Occupancy Declaration is incomplete as Section 4A is missing the principal residence address. |  |  |  | Reviewer Comment (2025-07-08): clear<br>Buyer Comment (2025-07-03): Please find completed form attached. Thank you. | 07/08/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | PA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025051337 | XX | XX | XX |  | 34473601 | 12025051337-33586 | 06/17/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | Title preliminary disclosed various municipal liens. |  |  |  | Reviewer Comment (2025-07-23): Final title received reflecting no additional liens<br>Buyer Comment (2025-07-22): Please see attached Title Policy. Thank you.<br>Buyer Comment (2025-07-22): Please see attached. Thank you. | 07/23/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | PA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025051337 | XX | XX | XX |  | 34473602 | 12025051337-6459 | 06/17/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-07-08): clear<br>Buyer Comment (2025-07-03): Please final clear final fraud guard attached. Thank you. | 07/08/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | PA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025050778 | XX | XX | XX |  | 34473622 | 12025050778-5380 | 06/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Missing Operating Agreement for borrowing entity. Additional conditions may apply upon receipt and review of this document. |  |  |  | Reviewer Comment (2025-06-25): Borrowing certificate, allowed per guidelines, received in lieu of operating agreement.<br>Buyer Comment (2025-06-23): Borrowing certificate | 06/25/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | AZ | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025050778 | XX | XX | XX |  | 34473624 | 12025050778-5205 | 06/19/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for borrowing entity. |  |  |  | Reviewer Comment (2025-06-25): Updated fraud report received reflecting borrowing entity OFAC search<br>Buyer Comment (2025-06-23): Fraud | 06/25/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | AZ | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025050778 | XX | XX | XX |  | 34473625 | 12025050778-6459 | 06/19/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-06-25): Updated fraud report received reflecting all red flags cleared/addressed.<br>Buyer Comment (2025-06-23): see attached fraud | 06/25/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | AZ | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025042125 | XX | XX | XX |  | 34473627 | 12025042125-3831 | 06/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide pages 1-3 for the Bylaws. Pages 4-20 provided. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700<br> Representative FICO: 780 | SitusAMC | Reviewer Comment (2025-07-30): Waived with compensating factors at clients request.<br>Buyer Comment (2025-07-28): Lender accepts. Please waive with available compensating factors |  |  | 07/30/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | NY | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025042125 | XX | XX | XX |  | 34473628 | 12025042125-4057 | 06/20/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Incorporation not provided |  |  |  |  |  | Reviewer Comment (2025-07-16): clear<br>Buyer Comment (2025-07-14): Cert of Incoration | 07/16/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | NY | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025040289 | XX | XX | XX |  | 34473637 | 12025040289-5205 | 06/24/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2025-07-11): Received<br>Buyer Comment (2025-07-09): Please find clear ofac attached. Thank you. | 07/11/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | WA | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025052626 | XX | XX | XX |  | 34473641 | 12025052626-23698 | 06/24/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XX, Credit Report: Original // Borrower: XX | Full Fraud Report is Missing, only Alerts Summary Section Provided. |  |  |  | Reviewer Comment (2025-07-22): Received full fraud report.<br>Buyer Comment (2025-07-18): Please find the initial fraud guard attached. Thank you.<br>Reviewer Comment (2025-07-16): Need a full Fraud Report. I have the alert summary.<br>Buyer Comment (2025-07-14): 07/14-Fraud<br>Buyer Comment (2025-07-14): 07/14-Please see attached Fraud | 07/22/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025052626 | XX | XX | XX |  | 34473642 | 12025052626-2924 | 06/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full Fraud Report is Missing, only Alerts Summary Section Provided. |  |  |  | Reviewer Comment (2025-07-22): Received | 07/22/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025020012 | XX | XX | XX |  | 34473647 | 12025020012-4264 | 06/25/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.81 is less than Guideline PITIA months reserves of 2.00. | Missing evidence for XX account ending in XX with a balance of $XX. |  |  |  | Reviewer Comment (2025-06-30): clear<br>Buyer Comment (2025-06-26): operating agreement<br>Buyer Comment (2025-06-26): Chase | 06/30/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | NY | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025020012 | XX | XX | XX |  | 34473649 | 12025020012-596 | 06/26/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Lien(s) negatively impacting title |  | There are 3 open liens on title and only 1 was paid off at closing. Evidence of clear title with XX in first lien position will be required |  |  |  | Reviewer Comment (2025-06-30): clear<br>Buyer Comment (2025-06-26): Final | 06/30/2025 |  |  | 1 |  | A |  | A |  | A |  | A |  | A | xx | NY | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025042409 | XX | XX | XX |  | 34473658 | 12025042409-23931 | 06/27/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  |  |  | Reviewer Comment (2025-07-23): Final title received | 07/23/2025 |  |  | 1 | A | A | A | A | A | A | A | A | A | A | xx | FL | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025042409 | XX | XX | XX |  | 34473659 | 12025042409-3831 | 06/27/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There are 3 liens showing on title and only 1 was reported as paid on the final closing statement. Provide verification that liens are satisfied and will not impact future title. |  |  |  | Reviewer Comment (2025-07-23): Clear final title received<br>Buyer Comment (2025-07-23): Final Title Policy | 07/23/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025030471 | XX | XX | XX |  | 34473680 | 12025030471-25749 | 06/27/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD-1/Settlement Statement. |  |  |  | Reviewer Comment (2025-07-17): Received<br>Buyer Comment (2025-07-15): Please see attached Final SS<br>Reviewer Comment (2025-07-09): Both closing statements in the file are estimates.<br>Buyer Comment (2025-07-07): Please find attached final HUD-1. Thank you. | 07/17/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025051840 | XX | XX | XX |  | 34473686 | 12025051840-5389 | 06/30/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Final Loan Agreement not provided |  | Final signature page missing from Loan Agreement. |  |  |  | Reviewer Comment (2025-07-14): Received<br>Buyer Comment (2025-07-10): see attached all pages | 07/14/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | GA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025060467 | XX | XX | XX |  | 34473688 | 12025060467-25749 | 06/30/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD-1/Closing Statement. |  |  |  | Reviewer Comment (2025-07-23): Received<br>Buyer Comment (2025-07-21): HUD-1 attached. Thank you. | 07/23/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | AZ | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025051292 | XX | XX | XX |  | 34473690 | 12025051292-30930 | 06/30/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $XX is less than the note amount of $XX based on the Commitment in file. | The Title Policy Amount of $XXis less than the note amount of $XX based on the Commitment in file. |  |  |  | Reviewer Comment (2025-07-02): clear<br>Buyer Comment (2025-07-01): title | 07/02/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A | xx | GA | Investment | Refinance - Rate/Term |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 12025051292 | XX | XX | XX |  | 34473691 | 12025051292-2919 | 06/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | File is missing primary rental verification from November 2024 to current. |  |  |  | Reviewer Comment (2025-07-14): LOE and proof of full rental payments received.<br>Buyer Comment (2025-07-10): The complete rent payment per the lease is $9150. The loe was just stating the Borrower pays $1850 of his portion. HIs roommates send him the money to pay the total every month of $9150<br>Reviewer Comment (2025-07-09): Multiple xx payments sent to xx. Which ones are for the rent. The lease reflects 1850.00 per month.<br>Buyer Comment (2025-07-07): xx shows xx payments to xx that total $9150- the full rent<br>Reviewer Comment (2025-07-02): Unable to confirm rent payment's of $1850.00 being withdrawn from the accounts listed.<br>Buyer Comment (2025-07-01): xx rent payments, xx operating agreement | 07/14/2025 |  |  | 1 | C | A | C | A | C | A | C | A | D | A | xx | GA | Investment | Refinance - Rate/Term |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 12025051292 | XX | XX | XX |  | 34473692 | 12025051292-4513 | 06/30/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-07-02): clear<br>Buyer Comment (2025-07-01): Article of organization | 07/02/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | GA | Investment | Refinance - Rate/Term |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 12025051014 | XX | XX | XX |  | 34473694 | 12025051014-7919 | 06/30/2025 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. |  | Master insurance policy expires 07/XX/2025. |  |  |  | Reviewer Comment (2025-07-21): Renewal master policy received<br>Buyer Comment (2025-07-17): Ins | 07/21/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025052434 | XX | XX | XX |  | 34473697 | 12025052434-23698 | 07/01/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XX | The file contains the Alerts Summary only. The full fraud report is required. |  |  |  | Reviewer Comment (2025-07-07): Clear<br>Buyer Comment (2025-07-02): Fraud | 07/07/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | NC | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025052434 | XX | XX | XX |  | 34473699 | 12025052434-2924 | 07/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file contains the Alerts Summary only. The full fraud report is required. |  |  |  | Reviewer Comment (2025-07-07): Clear<br>Buyer Comment (2025-07-02): see attached Fraud | 07/07/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | NC | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025052434 | XX | XX | XX |  | 34473700 | 12025052434-27657 | 07/01/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | The guidelines require a complete copy of the asset statements. The file contains three consolidated statements in which only the balance page was provided. The full statements are required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 88.62<br> Guideline Requirement: 2.00 | SitusAMC | Reviewer Comment (2025-07-31): Waived with compensating factors at clients request.<br>Buyer Comment (2025-07-29): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-07-17): Received for account ending in xx. Still need for accounts ending in xx<br>Buyer Comment (2025-07-15): April - June quarterly statement<br>Buyer Comment (2025-07-15): Jan- March Quarterly statement |  |  | 07/31/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | NC | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025052434 | XX | XX | XX |  | 34473701 | 12025052434-27012 | 07/01/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.74 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | The Lender used asset utilization income to qualify the loan. The file is missing the asset utilization worksheet, which is required. |  |  |  | Reviewer Comment (2025-07-07): clear<br>Buyer Comment (2025-07-02): DSCR Calc | 07/07/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | NC | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025032203 | XX | XX | XX |  | 34473714 | 12025032203-25749 | 07/02/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | The File Contains an estimated closing statement only. The Final Executed HUD is Required. |  |  |  | Reviewer Comment (2025-07-10): Received final closing statement<br>Buyer Comment (2025-07-08): Final SS | 07/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | WA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025032203 | XX | XX | XX |  | 34473715 | 12025032203-4061 | 07/02/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Section 4A of the Certification of Non-Owner Occupancy was not completed. |  |  |  | Reviewer Comment (2025-07-10): Received<br>Buyer Comment (2025-07-08): Non-owner | 07/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | WA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025032203 | XX | XX | XX |  | 34473716 | 12025032203-23933 | 07/02/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Preliminary title is missing. File only contains a supplement to the title. Final Title Policy was not provided. |  |  |  | Reviewer Comment (2025-07-14): Title commitment received in trailing docs.<br>Buyer Comment (2025-07-10): Title supplement is dated 04/XX/25. The Effective Date of February xx, 2025 is hereby amended to be: April xx, 2025 at 08:00 AM reported on supplement<br>Reviewer Comment (2025-07-10): Commitment uploaded is dated 2/XX/2025. Please provide title commitment dated 4/XX/2025, as referenced in the second supplement originally uploaded to file.<br>Buyer Comment (2025-07-08): Pre-lim title | 07/14/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | WA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025060575 | XX | XX | XX |  | 34473730 | 12025060575-5404 | 07/03/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXAccount Statements | Asset Depletion is considered in qualification; however, asset accounts are not identified. |  |  |  | Reviewer Comment (2025-07-10): Received asset depletion worksheet<br>Buyer Comment (2025-07-08): DSCR Calc | 07/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | TX | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025040972 | XX | XX | XX |  | 34473739 | 12025040972-4513 | 07/08/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation missing in the file. Required for both entities. |  |  |  | Reviewer Comment (2025-07-21): Received<br>Buyer Comment (2025-07-17): Please see attached ARTICLES OF ORGANIZATION - xx<br>Buyer Comment (2025-07-17): Please see attached ARTICLES OF ORGANIZATION - xx | 07/21/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025040972 | XX | XX | XX |  | 34473740 | 12025040972-4507 | 07/08/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing missing in file. Required for both entities. |  |  |  | Reviewer Comment (2025-07-21): Received<br>Buyer Comment (2025-07-17): CERT OF GOOD STANDING - xx<br>Buyer Comment (2025-07-17): CERT OF GOOD STANDING - UPDATE - xx<br>Buyer Comment (2025-07-17): Please see attached Certificate of Good Standing - xx<br>Buyer Comment (2025-07-17): Please see attached Certificate of Good Standing - xx | 07/21/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025040972 | XX | XX | XX |  | 34473741 | 12025040972-4062 | 07/08/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution missing in the file. |  |  |  | Reviewer Comment (2025-07-21): Received<br>Buyer Comment (2025-07-17): Please attached Resolution - xx<br>Buyer Comment (2025-07-17): Please attached Resolution - xx | 07/21/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025040972 | XX | XX | XX |  | 34473742 | 12025040972-25749 | 07/08/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD/CD is missing in the file. |  |  |  | Reviewer Comment (2025-07-21): Received<br>Buyer Comment (2025-07-17): Please see attached Final SS | 07/21/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025040972 | XX | XX | XX |  | 34473743 | 12025040972-5380 | 07/08/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement agreement is not provided in the file. Required for both entities. |  |  |  | Reviewer Comment (2025-07-21): Received<br>Buyer Comment (2025-07-17): Please see attached Operating Agreement - xx<br>Buyer Comment (2025-07-17): Please see attached Operating Agreement - xx | 07/21/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025040972 | XX | XX | XX |  | 34473745 | 12025040972-32065 | 07/08/2025 | 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 (2025-07-21): Final title policy received<br>Buyer Comment (2025-07-17): Please see attached Final Title Policy<br>Buyer Comment (2025-07-17): See title doc's attached. Thank you. | 07/21/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A | xx | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025040972 | XX | XX | XX |  | 34473746 | 12025040972-23931 | 07/08/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  |  | Reviewer Comment (2025-07-21): Final title policy received | 07/21/2025 |  |  | 1 | A | A | A | A | A | A | A | A | A | A | xx | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025052348 | XX | XX | XX |  | 34473755 | 12025052348-23387 | 07/08/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Provided flood certificate shows property address as #xx which is not provided in Note. |  |  |  | Reviewer Comment (2025-07-11): Received corrected flood certificate<br>Buyer Comment (2025-07-09): Flood cert | 07/11/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | TX | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025052348 | XX | XX | XX |  | 34473756 | 12025052348-23383 | 07/08/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Provided hazard insurance shows property address as XX which is not provided in Note. |  |  |  | Reviewer Comment (2025-07-25): clear<br>Buyer Comment (2025-07-23): Please see attached updated HOI | 07/25/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | TX | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025052451 | XX | XX | XX |  | 34473758 | 12025052451-3831 | 07/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower resides rent free with someone other than the spouse. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 30.54<br> Guideline Requirement: 2.00 | Originator Pre-Close,SitusAMC | Reviewer Comment (2025-07-15): Waived with compensating factors per lender exception approved at origination.<br>Buyer Comment (2025-07-11): exception |  |  | 07/15/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | IL | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025051368 | XX | XX | XX |  | 34473762 | 12025051368-27835 | 07/09/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: 06/XX/2025; Lien Position: 1 | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA received<br>Buyer Comment (2025-07-10): CDA | 07/14/2025 |  |  | 1 | D | A | D | A | D | A | D | A | D | A | xx | GA | Investment | Refinance - Limited Cash-out GSE |  | D | A | A | A |  |  | D | A |  | N/A | No |
| 12025052501 | XX | XX | XX |  | 34473764 | 12025052501-27012 | 07/09/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.72 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | The Debt Service Coverage Ratio is .72, under the guideline requirement. |  |  |  | Reviewer Comment (2025-07-17): Asset depletion worksheet and 3 months' statements received for all accounts used, resulting in DSCR over 1.00.<br>Buyer Comment (2025-07-15): May<br>Buyer Comment (2025-07-15): April<br>Buyer Comment (2025-07-15): D0223,<br>Reviewer Comment (2025-07-14): DSCR worksheet reflects an account listed as #A14 used in asset depletion; however, this account is not provided in file. Please provide 3 months' statements for this account to determine its usability towards asset depletion to recalculate DSCR.<br>Buyer Comment (2025-07-10): DSCR Calc | 07/17/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025040823 | XX | XX | XX |  | 34473789 | 12025040823-4061 | 07/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Section 4A of the Certification of Non-Owner Occupancy was not completed. |  |  |  | Reviewer Comment (2025-07-18): Received fully completed NOO in trailing docs.<br>Buyer Comment (2025-07-16): Please see attached | 07/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | NY | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025052687 | XX | XX | XX |  | 34473793 | 12025052687-28636 | 07/11/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Evidence of Access to Funds is missing. |  |  |  | Reviewer Comment (2025-07-21): Assets not required to meet reserve/closing requirements.<br>Buyer Comment (2025-07-17): Borrower qualifies without using the xx business account.<br>Reviewer Comment (2025-07-16): xx business account.<br>Buyer Comment (2025-07-14): What account do you need access to funds? | 07/21/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 12025052687 | XX | XX | XX |  | 34473794 | 12025052687-23931 | 07/11/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  |  | Reviewer Comment (2025-07-16): clear | 07/16/2025 |  |  | 1 | A | A | A | A | A | A | A | A | A | A | xx | CA | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 12025052687 | XX | XX | XX |  | 34473795 | 12025052687-32065 | 07/11/2025 | 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. |  | Proposed insured amount was not provided in the preliminary title policy. Final title should reflect at least Note amount. |  |  |  | Reviewer Comment (2025-07-16): clear<br>Buyer Comment (2025-07-15): Final | 07/16/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A | xx | CA | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 12025052687 | XX | XX | XX |  | 34473796 | 12025052687-4747 | 07/11/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide a final HUD/Closing Statement that is signed by the borrower or stamped true and certified by settlement agent. Copy provided in file is an estimate. |  |  |  | Reviewer Comment (2025-07-16): clear<br>Buyer Comment (2025-07-14): final SS | 07/16/2025 |  |  | 1 | D | A | D | A | D | A | D | A | D | A | xx | CA | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 12025052830 | XX | XX | XX |  | 34473805 | 12025052830-5807 | 07/14/2025 | Credit | Credit | Credit Documentation | Credit | Borrower does not own current residence and thus casts doubt on business purpose of loan. |  | Lender exception approved allowing borrower living rent free with brother. Letter of explanation from brother in file. Compensating factors: 1) borrower's credit score is at least 40 points > min 700; 2) Borrower's reserves are at least 6 months; 4 months > minimum 2 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 186.27<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 741 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-07-14): Waived with compensating factors per lender exception approval at origination. |  |  | 07/14/2025 | 2 | B | B | B | B | B | B | B | B | B | B | xx | WY | Investment | Purchase |  | B | B | B | B |  |  | A | A |  | N/A | No |
| 12025040748 | XX | XX | XX |  | 34473814 | 12025040748-6459 | 07/11/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX | There are 2 high alerts that have not been addressed. |  |  |  | Reviewer Comment (2025-07-16): clear<br>Buyer Comment (2025-07-14): fraud summary | 07/16/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | KS | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025052587 | XX | XX | XX |  | 34473822 | 12025052587-2799 | 07/15/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Note is is missing the executed signature page. Note in file is incomplete. |  |  |  | Reviewer Comment (2025-07-18): Fully executed Note received.<br>Buyer Comment (2025-07-16): PFA | 07/18/2025 |  |  | 1 | D | A | D | A | D | A | D | A | D | A | xx | NY | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 12025060266 | XX | XX | XX |  | 34473826 | 12025060266-6459 | 07/15/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-07-21): Alerts summary with all red flags addressed received.<br>Buyer Comment (2025-07-17): Please find final clear fraud guard attached. Thank you. | 07/21/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025051690 | XX | XX | XX |  | 34473833 | 12025051690-25749 | 07/16/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD/CD is not provided. |  |  |  | Reviewer Comment (2025-07-28): clear<br>Buyer Comment (2025-07-24): 07/24-Please see attached<br>Reviewer Comment (2025-07-24): HUD is required to be signed by borrower or stamped true and certified by title company.<br>Buyer Comment (2025-07-22): 07/22-Please see attached FSS | 07/28/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025052879 | XX | XX | XX |  | 34473852 | 12025052879-4513 | 07/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of organization/formation is missing in file. |  |  |  | Reviewer Comment (2025-07-28): Received<br>Buyer Comment (2025-07-28): business entity<br>Reviewer Comment (2025-07-22): Need full articles of organization - the one page document provided just indicates the company has been formed.<br>Buyer Comment (2025-07-18): attached is the articles of organization for xx | 07/28/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | WA | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025050339 | XX | XX | XX |  | 34473860 | 12025050339-6459 | 07/18/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-07-30): cleared with Alert Summary.<br>Buyer Comment (2025-07-26): Fraud Uploaded | 07/30/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | NY | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025060877 | XX | XX | XX |  | 34473862 | 12025060877-25749 | 07/18/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD-1/Settlement Statement. |  |  |  | Reviewer Comment (2025-07-23): Received<br>Buyer Comment (2025-07-23): PFA<br>Buyer Comment (2025-07-21): PFA | 07/23/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025052581 | XX | XX | XX |  | 34473871 | 12025052581-31588 | 07/21/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date 07/XX/2025, Disbursement Date: 07/XX/2025 | Hazard Insurance Policy Effective Date 07/XX/2025, Disbursement Date: 07/XX/2025. Require updated hazard policy in the file. |  |  |  | Reviewer Comment (2025-07-24): Per client, accepting HOI as effective date is same as disbursement date. | 07/24/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025020022 | XX | XX | XX |  | 34473978 | 12025020022-6582 | 03/17/2025 | 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 $360.00 exceeds tolerance of $140.00 plus 10% or $154.00. Sufficient or excess cure was provided to the borrower at Closing. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $360.00 exceeds tolerance of $140.00 plus 10% or $154.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-03-13): Sufficient Cure Provided At Closing |  | 03/13/2025 |  | 1 | A | A | A | A | A | A | A | A | A | A | xx | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025020129 | XX | XX | XX |  | 34473995 | 12025020129-30831 | 04/14/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Hazard Insurance policy did not disclose Lender or Servicer - including successors and assigns. |  |  |  | Reviewer Comment (2025-04-23): clear<br>Buyer Comment (2025-04-21): 04/21-Updated policy | 04/23/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | TN | Investment | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Exempt from ATR | N/A | No |
| 12025020129 | XX | XX | XX |  | 34473996 | 12025020129-6516 | 04/14/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The Security Instrument is missing the borrower's and notarized page. |  |  |  | Reviewer Comment (2025-04-17): clear<br>Buyer Comment (2025-04-15): 04/15-Deed of Trust | 04/17/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | TN | Investment | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Exempt from ATR | N/A | No |
| 12025032614 | XX | XX | XX |  | 34474011 | 12025032614-6498 | 05/08/2025 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: 04/XX/2025 | Lender name on appraisal is XX Please provide an updated appraisal to disclose XX. Also, Lender approved exception for complete appraisal by an appraisal management company. |  |  |  | Reviewer Comment (2025-05-20): clear<br>Buyer Comment (2025-05-16): appraisal<br>Reviewer Comment (2025-05-16): The 04/XX/2025 appraisal will also need updated.<br>Buyer Comment (2025-05-15): appraisal<br>Reviewer Comment (2025-05-13): None of the appraisal reflect Champions. They all reflect xx with no "S" at the end of Champion.<br>Buyer Comment (2025-05-12): The Appraisal signed by Appraiser 4/18 is in xxC name (see cover sheet of Appraisal). | 05/20/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A | xx | FL | Investment | Refinance - Rate/Term |  | C | A | C | A | A | A | B | A | Exempt from ATR | N/A | No |
| 12025032614 | XX | XX | XX |  | 34474012 | 12025032614-29639 | 05/08/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing the verification of employment within 20 business days of Note. |  |  |  | Reviewer Comment (2025-05-16): clear<br>Buyer Comment (2025-05-14): CPA letter | 05/16/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Refinance - Rate/Term |  | C | A | C | A | A | A | B | A | Exempt from ATR | N/A | No |
| 12025050236 | XX | XX | XX |  | 34474075 | 12025050236-29618 | 06/13/2025 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DTI: 19.53351% <br> Guideline Maximum DTI: 45.00000%<br>Guidelines Representative FICO: 680<br> Representative FICO: 765 | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-23): Waived with compensating factors per lender exception approval received in trailing docs.<br>Buyer Comment (2025-07-22): Please find exception attached. Thank you.<br>Reviewer Comment (2025-07-16): Reviewed statements received and the following months are still missing and required based on Note date of 6/XX/2025: 9/2024, 12/2024, 2/2025 and 5/2025. The internal notes appear to indicate that a 5/2024 payment was verified; however, we would require history from 6/2024 through 5/2025 to determine most recent 12 month history.<br>Buyer Comment (2025-07-14): See breakdown of rental payments attached. Thank you.<br>Reviewer Comment (2025-07-07): Unable to confirm 12 months of housing history. Provided document numbers and amounts.<br>Buyer Comment (2025-07-02): Pleas find the remaining (4) mths confirmation of rental payments. Thank you.<br>Buyer Comment (2025-07-02): Please find attached (8) mths confirmation of rental payments. Thank you. |  |  | 07/23/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | TX | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025051307 | XX | XX | XX |  | 34474078 | 12025051307-6583 | 06/23/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,045.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | The Appraisal Fee disclosed on the final Closing Disclosure (CD) is $1,045.00, which exceeds the originally disclosed amount of $850.00 on the Loan Estimate (LE), resulting in a tolerance violation. |  |  |  | Reviewer Comment (2025-06-18): Sufficient Cure Provided At Closing |  | 06/18/2025 |  | 1 | A | A | A | A | A | A | A | A | A | A | xx | AZ | Second Home | Purchase | Final CD evidences Cure | C | B | C | A | A | B | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025051307 | XX | XX | XX |  | 34474079 | 12025051307-6459 | 06/23/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-06-30): clear<br>Buyer Comment (2025-06-26): Fraud summary<br>Reviewer Comment (2025-06-26): There are 3 Red Flags that were not addressed.<br>Buyer Comment (2025-06-24): fraud report has all high/medium alerts cleared; Unable to clear Fraud score risk condition on any fraud report. | 06/30/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | AZ | Second Home | Purchase |  | C | B | C | A | A | B | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025051307 | XX | XX | XX |  | 34474080 | 12025051307-6572 | 06/30/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/09/2025) |  |  |  |  | Buyer Comment (2025-07-24): Please waive condition.<br>Reviewer Comment (2025-07-11): Both notices received are dated after consummation of the loan. Evidence appraisal received at least 3 business days prior to consummation would be required for review of this condition. Alternatively, this is an EV2 that client can elect to waive.<br>Buyer Comment (2025-07-09): See attached |  |  | 07/24/2025 | 2 |  | B |  | B |  | B |  | B |  | B | xx | AZ | Second Home | Purchase |  | C | B | C | A | A | B | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025041859 | XX | XX | XX |  | 34474097 | 12025041859-4264 | 06/25/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.89 is less than Guideline PITIA months reserves of 6.00. |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00. | Guidelines Representative FICO: 700<br> Representative FICO: 804<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $17,612.00 | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-02): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-06-30): exception |  |  | 07/02/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | NY | Investment | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | N/A | No |
| 12025041859 | XX | XX | XX |  | 34474098 | 12025041859-29640 | 06/25/2025 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Insufficient reserves provided.Calculated PITIA months reserves of 5.89 is less than Guideline PITIA months reserves of 6.00. | Borrower has verified disposable income of at least $2500.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $17,612.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 804 | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-02): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-06-30): see attached exception |  |  | 07/02/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | NY | Investment | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | N/A | No |
| 12025032710 | XX | XX | XX |  | 34474100 | 12025032710-33586 | 06/30/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | Title search shows negative impact on title. 2 judgments reported on title. |  |  |  | Reviewer Comment (2025-07-02): Clear<br>Buyer Comment (2025-07-01): #9 satisfaction of release<br>Buyer Comment (2025-07-01): #8 release of judgement | 07/02/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Primary | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025050793 | XX | XX | XX |  | 34474105 | 12025050793-3883 | 07/03/2025 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  |  |  | Buyer Comment (2025-07-15): We accept a EV2 grade. Please waive to grade B. |  |  | 07/15/2025 | 2 | B | B | B | B | B | B | B | B | B | B | xx | TX | Primary | Refinance - Cash-out - Other |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025050793 | XX | XX | XX |  | 34474107 | 12025050793-6336 | 07/03/2025 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  | Reviewer Comment (2025-07-18): Received final title policy reflecting both T42 and T42.1 endorsements.<br>Buyer Comment (2025-07-16): Please see attached final title policy. Page 9 reflects the endorsements | 07/18/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A | xx | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025050793 | XX | XX | XX |  | 34474109 | 12025050793-34957 | 07/03/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-1,500.00. Insufficient or no cure was provided to the borrower. (9300) | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-1,500.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-17): SitusAMC received COC dated 06/xx and CD dated 06/xx.<br>Buyer Comment (2025-07-16): Please see attached 6.11 Rate Lock<br>Buyer Comment (2025-07-16): Please see attached 6.12 COC and CD<br>Reviewer Comment (2025-07-16): SitusAMC received COC and rate lock dated 05/xx, however lender credit decreased to $0 on CD dated 06/XX/2025. A valid Changed Circumstance for CD dated 06/xx or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-07-15): Please see attached 5.27 Rate Lock<br>Buyer Comment (2025-07-15): Please see attached 05.27 COC and CD | 07/17/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025050793 | XX | XX | XX |  | 34474110 | 12025050793-6543 | 07/03/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $210.00 exceeds tolerance of $154.00 plus 10% or $169.40. Insufficient or no cure was provided to the borrower. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $210.00 exceeds tolerance of $154.00 plus 10% or $169.40. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-16): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception."<br>Buyer Comment (2025-07-15): Please see attached Final CD. A $40.60 RESPA was applied to cover the 10% fee TRID violation |  | 07/16/2025 |  | 2 | C | B | C | B | C | B | C | B | C | B | xx | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025050793 | XX | XX | XX |  | 34474111 | 12025050793-23931 | 07/03/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment | Title Final Title policy is missing in loan file. |  |  |  | Reviewer Comment (2025-07-18): Final title received in trailing docs | 07/18/2025 |  |  | 1 | A | A | A | A | A | A | A | A | A | A | xx | TX | Primary | Refinance - Cash-out - Other |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025050793 | XX | XX | XX |  | 34474113 | 12025050793-6582 | 07/17/2025 | 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 $210.00 exceeds tolerance of $154.00 plus 10% or $169.40. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (2025-07-17): Sufficient Cure Provided At Closing |  | 07/17/2025 |  | 1 |  | A |  | A |  | A |  | A |  | A | xx | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025050793 | XX | XX | XX |  | 34474114 | 12025050793-6416 | 07/22/2025 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  |  |  | Reviewer Comment (2025-07-22): $1000 refund check, LOE to borrower with offer to refinance at no cost, and proof of mailing. |  | 07/22/2025 |  | 2 |  | B |  | B |  | B |  | B |  | B | xx | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025042005 | XX | XX | XX |  | 34474122 | 12025042005-6582 | 07/01/2025 | 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 $199.00 exceeds tolerance of $33.00 plus 10% or $36.30. Sufficient or excess cure was provided to the borrower at Closing. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $199.00 exceeds tolerance of $33.00 plus 10% or $36.30. |  |  |  | Reviewer Comment (2025-06-24): Sufficient Cure Provided At Closing |  | 06/24/2025 |  | 1 | A | A | A | A | A | A | A | A | A | A | xx | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025042005 | XX | XX | XX |  | 34474123 | 12025042005-3831 | 07/01/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 2 months verification of receipt for the Social Security income is required and only 1 month was provided. |  |  |  | Reviewer Comment (2025-07-11): Received evidence of 2 months' receipt.<br>Buyer Comment (2025-07-09): May | 07/11/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | TX | Primary | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025052077 | XX | XX | XX |  | 34474127 | 12025052077-5404 | 07/01/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXThird Party Verification | The file is missing third party verification of employment within 20 business days prior to the Note date. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $48,518.56<br>Reserves: 9.35<br> Guideline Requirement: 3.00<br>DTI: 24.22755% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 700<br> Representative FICO: 800 | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-16): Waived with compensating factors at clients request.<br>Buyer Comment (2025-07-14): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-07-11): Document provided is dated 7/XX/2025, which is after Note date of 6/XX/2025. Documentation dated on or before Note date is required for review of this condition.<br>Buyer Comment (2025-07-11): third party voe |  |  | 07/16/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | TX | Investment | Refinance - Rate/Term |  | C | B | C | B | A | A | A | A | Exempt from ATR | N/A | No |
| 12025052077 | XX | XX | XX |  | 34474128 | 12025052077-29639 | 07/01/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing third party verification of employment within 20 business days prior to the Note date. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $48,518.56<br>Reserves: 9.35<br> Guideline Requirement: 3.00<br>DTI: 24.22755% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 700<br> Representative FICO: 800 | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-16): Waived with compensating factors at clients request.<br>Buyer Comment (2025-07-14): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-07-11): Document provided is dated 7/XX/2025, which is after Note date of 6/XX/2025. Documentation dated on or before Note date is required for review of this condition.<br>Buyer Comment (2025-07-11): see attached VVOE |  |  | 07/16/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | TX | Investment | Refinance - Rate/Term |  | C | B | C | B | A | A | A | A | Exempt from ATR | N/A | No |
| 12025052077 | XX | XX | XX |  | 34474129 | 12025052077-4264 | 07/01/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.34 is less than Guideline PITIA months reserves of 3.00. |  |  |  |  | Reviewer Comment (2025-07-14): Received evidence of ownership to business named on account, resulting in sufficient reserves.<br>Reviewer Comment (2025-07-11): This condition is in relation to assets, not ownership of the business entity.<br>Buyer Comment (2025-07-09): Cert of formation<br>Buyer Comment (2025-07-09): Shares Cert | 07/14/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | TX | Investment | Refinance - Rate/Term |  | C | B | C | B | A | A | A | A | Exempt from ATR | N/A | No |
| 12025052077 | XX | XX | XX |  | 34474130 | 12025052077-3831 | 07/01/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2025-07-11): OFAC received<br>Buyer Comment (2025-07-09): Fraud report | 07/11/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | TX | Investment | Refinance - Rate/Term |  | C | B | C | B | A | A | A | A | Exempt from ATR | N/A | No |
| 12025052077 | XX | XX | XX |  | 34474131 | 12025052077-28636 | 07/01/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Missing access verification for XX assets. |  |  |  | Reviewer Comment (2025-07-15): Received evidence of access to funds.<br>Reviewer Comment (2025-07-11): Documentation provided does not indicate xx owns at least 25% of entity. It reflects two individuals as owner/director. Need evidence of ownership percent to consider funds.<br>Buyer Comment (2025-07-09): see attached docs | 07/15/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | TX | Investment | Refinance - Rate/Term |  | C | B | C | B | A | A | A | A | Exempt from ATR | N/A | No |
| 12025052077 | XX | XX | XX |  | 34474132 | 12025052077-3831 | 07/01/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a third-party verification that the business is in existence and in good standing is required for XX Must provide ownership percentage. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $48,518.56<br>Reserves: 9.35<br> Guideline Requirement: 3.00<br>DTI: 24.22755% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 700<br> Representative FICO: 800 | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-16): Waived with compensating factors at clients request.<br>Buyer Comment (2025-07-14): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-07-11): Document provided is dated 7/XX/2025, which is after Note date of 6/XX/2025. Documentation dated on or before Note date is required for review of this condition.<br>Buyer Comment (2025-07-09): see attached docs |  |  | 07/16/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | TX | Investment | Refinance - Rate/Term |  | C | B | C | B | A | A | A | A | Exempt from ATR | N/A | No |
| 12025052077 | XX | XX | XX |  | 34474133 | 12025052077-3862 | 07/16/2025 | 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: SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING<br> Disaster Declaration Date: 07/XX/2025 |  |  |  |  | Reviewer Comment (2025-07-23): PDI received dated post-disaster declaration reflecting no damage.<br>Buyer Comment (2025-07-21): Disaster Cert - no damage | 07/23/2025 |  |  | 1 |  | A |  | A |  | A |  | A |  | A | xx | TX | Investment | Refinance - Rate/Term |  | C | B | C | B | A | A | A | A | Exempt from ATR | N/A | No |
| 12025052837 | XX | XX | XX |  | 34474145 | 12025052837-2798 | 07/03/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | File is missing final signed and dated 1003. |  |  |  | Reviewer Comment (2025-07-16): clear<br>Buyer Comment (2025-07-14): Final 1003 | 07/16/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Primary | Purchase |  | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025040899 | XX | XX | XX |  | 34474156 | 12025040899-29639 | 07/07/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing verification of employment within 20 business days prior to the Note date. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | DTI: 16.54613% <br> Guideline Maximum DTI: 50.00000%<br>Reserves: 339.98<br> Guideline Requirement: 3.00<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $368,969.30 | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-16): Waived with compensating factors at clients request.<br>Buyer Comment (2025-07-14): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-07-14): CPA letter provided is dated 7/XX/2025, which is post-Note date of 6/XX/2025. Documentation dated on or prior to consummation required for review of this.<br>Buyer Comment (2025-07-10): CPA letter |  |  | 07/16/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | FL | Investment | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | N/A | No |
| 12025040899 | XX | XX | XX |  | 34474158 | 12025040899-5404 | 07/07/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXThird Party Verification | The file is missing verification of employment within 20 business days prior to the Note date. Also, the file is missing REO documents for properties on XX | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $368,969.30<br>Reserves: 339.98<br> Guideline Requirement: 3.00<br>DTI: 16.54613% <br> Guideline Maximum DTI: 50.00000% | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-16): Waived with compensating factors at clients request.<br>Buyer Comment (2025-07-14): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-07-14): CPA letter provided is dated 7/XX/2025, which is post-Note date of 6/XX/2025. Documentation dated on or prior to consummation required for review of this.<br>Buyer Comment (2025-07-10): see attached CPA leter |  |  | 07/16/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | FL | Investment | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | N/A | No |
| 12025040899 | XX | XX | XX |  | 34474159 | 12025040899-25838 | 07/07/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XX Insurance Verification | The file is missing REO documents for properties on XX |  |  |  | Reviewer Comment (2025-07-21): Received all REO documents<br>Reviewer Comment (2025-07-21): EXCEPTION HISTORY - Exception Explanation was updated on 07/XX/2025 PRIOR Exception Explanation: Insurance Verification, Statement, Tax Verification<br>Buyer Comment (2025-07-17): Ins dated 06/XX/25<br>Reviewer Comment (2025-07-16): Insurance verification for 1220 is dated post closing and cannot be used.<br>Buyer Comment (2025-07-14): xxtax<br>Buyer Comment (2025-07-14): Ins xx<br>Buyer Comment (2025-07-14): VOM<br>Reviewer Comment (2025-07-14): EXCEPTION HISTORY - Exception Detail was updated on 07/XX/2025 PRIOR Exception Detail: xx<br> EXCEPTION HISTORY - Exception Explanation was updated on 07/XX/2025 PRIOR Exception Explanation: Insurance Verification, Statement, Tax Verification<br> Insurance Verification, Statement, Tax Verification<br>Reviewer Comment (2025-07-10): Unable to determine the PITIA for the xx using the 1008.<br>xxt is cleared.<br>Buyer Comment (2025-07-08): xx has not closed yet; 1008 was provided.<br>Buyer Comment (2025-07-08): xx<br>Buyer Comment (2025-07-08): xx First payment letter | 07/21/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | N/A | No |
| 12025041463 | XX | XX | XX |  | 34474167 | 12025041463-23698 | 07/08/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XX | No evidence of fraud report in file. |  |  |  | Reviewer Comment (2025-07-28): clear<br>Buyer Comment (2025-07-24): Please find initial fraud attached. Thank you.<br>Buyer Comment (2025-07-24): Please find final Fraud attached. Thank you. | 07/28/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | IL | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025041463 | XX | XX | XX |  | 34474169 | 12025041463-3831 | 07/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | When rent is paid to a private party/landlord, a copy of the lease and 12 months of cancelled checks (front and back) or bank statement are required for verification of timely payments. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: Asset Depletion<br> Disposable Income: $5,815.79<br>Prior Housing Expense: $4,750.00<br> Proposed Housing Expense: $3,714.72<br>Guidelines Representative FICO: 680<br> Representative FICO: 752 | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-28): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-07-24): Please find exception attached. Thank you. |  |  | 07/28/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | IL | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 32025050620 | XX | XX | XX |  | 34474193 | 32025050620-30168 | 07/08/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 05/XX/2025 contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | The Closing Disclosure dated 05/XX/2025 is incomplete on page 5 resulting in the timing test requirement for a corrected Closing Disclosure. There is no documentation in the file to verify that this Closing Disclosure was not provided to the borrower. |  |  |  | Reviewer Comment (2025-07-11): SitusAMC received lender attestation that 5-xx-25 CD was title company generated not provided to borrower and reflects blank APR and no change in APR<br>Buyer Comment (2025-07-10): All borrower facing documents have xx in the footer. The Closing Disclosure in question is not a xx document, indicating that it was provided to the lender by the title company to generate the borrower facing Closing Disclosure. | 07/11/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Primary | Purchase | TRID timing exception, no remediation available. | C | A | A | A | C | A | A | A | Non QM | Non QM | No |
| 32025050620 | XX | XX | XX |  | 34474194 | 32025050620-27765 | 07/08/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,520.00 exceeds tolerance of $2,338.00. Sufficient or excess cure was provided to the borrower. (8304) |  |  |  |  | Reviewer Comment (2025-06-27): Sufficient Cure Provided within 60 Days of Closing |  | 06/27/2025 |  | 1 | A | A | A | A | A | A | A | A | A | A | xx | FL | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | A | A | A | C | A | A | A | Non QM | Non QM | No |
| 12025051223 | XX | XX | XX |  | 34474197 | 12025051223-25838 | 07/08/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XX Address: XX Address: XX Statement<br> Statement<br> Statement<br> Statement | The file is missing the mortgage PITIA verification for all four investment properties. |  |  |  | Reviewer Comment (2025-07-11): Received evidence of PITIA payments on all REOs.<br>Buyer Comment (2025-07-09): XX<br>Buyer Comment (2025-07-09): 1XX - Loan has not closed yet<br>Buyer Comment (2025-07-09): XX<br>Buyer Comment (2025-07-09): 1xx | 07/11/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Purchase |  | C | A | C | A | A | A | A | A | Exempt from ATR | N/A | No |
| 12025051223 | XX | XX | XX |  | 34474198 | 12025051223-29639 | 07/08/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing documentation to verify the mortgage payments for four of the investment properties. |  |  |  | Reviewer Comment (2025-07-11): Received evidence of PITIA payments on all REOs.<br>Buyer Comment (2025-07-09): see attached docs | 07/11/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Purchase |  | C | A | C | A | A | A | A | A | Exempt from ATR | N/A | No |
| 12025050122 | XX | XX | XX |  | 34474201 | 12025050122-6459 | 07/10/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-07-15): Received alerts summary reflecting all red flags addressed/cleared.<br>Buyer Comment (2025-07-11): fraud | 07/15/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | WI | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025050122 | XX | XX | XX |  | 34474202 | 12025050122-29639 | 07/10/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The guidelines require the borrower to be self-employed for at least 2 years. Documentation verifies the borrower has been self-employed since 11/2023 which is less than 2 years from the closing of 06/2025. Lender approved exception at origination to allow the borrower to be in business less than 2 years. Compensating Factors noted: 1) Borrower has at least 7 months reserves; 4 months > min 3 2) LTV is at least 10 percentage points < max 70% 3) Residual income > $3000 4) Borrower's non-borrowing spouse, who is a 50% owner of the business, has worked in the xx industry for many years 5) Nine years of clean mortgage pay history - pending sale on the property associated with this mortgage; will use proceeds toward purchase. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $4,003.43<br>Reserves: 12.07<br> Guideline Requirement: 3.00<br>Combined Loan to Value: 59.74026%<br> Guideline Maximum Combined Loan to Value: 70.00000%<br>Loan to Value: 59.74026%<br> Guideline Maximum Loan to Value: 70.00000% | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-07-09): Waived with compensating factors per lender exception approval at origination. |  |  | 07/09/2025 | 2 | B | B | B | B | B | B | B | B | B | B | xx | WI | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025050445 | XX | XX | XX |  | 34474229 | 12025050445-26033 | 07/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 05/XX/2025 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/XX/07/2025) |  |  |  |  | Reviewer Comment (2025-07-16): SitusAMC received e-consent dated 05/08/2025<br>Buyer Comment (2025-07-15): PFA as requested | 07/16/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | AZ | Second Home | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025050445 | XX | XX | XX |  | 34474232 | 12025050445-6543 | 07/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,991.50 exceeds tolerance of $1,767.00 plus 10% or $1,943.70. Insufficient or no cure was provided to the borrower. (0) | A valid COC was not provided. |  |  |  | Reviewer Comment (2025-08-04): SItusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-01): PFA<br>Reviewer Comment (2025-07-23): SitusAMC Received rebuttal; however, Title Wire fee cannot be considered under 10% tolerance as fee is not charged on Final CD. Provide Valid COC for increased title fee or provide Cure Docs $47.80. Cure Consists of PCCD, LOE, Refund Check and Proof of Mailing.<br>Buyer Comment (2025-07-22): Initial Disclosures Total:<br> Title – Closing/Escrow Fee: $595<br> Title – Lender's Title Insurance: $1112<br> Title - Wire Fee: $85<br>Recording Fees: $60<br> Total: $1852<br> 10% Tolerance: $185.20<br> Total: $2037<br>Buyer Comment (2025-07-21): The baseline is considered as the initial LE.<br>Reviewer Comment (2025-07-16): SitusAMC received Changed Circumstance dated 06/XX/2025, but it does not give sufficient information on why the title 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 (2025-07-15): Please see D0170 CPL and Endorsement fees are added, and D0178 CD also provided with updated fees |  | 08/04/2025 |  | 2 | C | B | C | B | C | B | C | B | C | B | xx | AZ | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025041778 | XX | XX | XX |  | 34474234 | 12025041778-5404 | 07/14/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXThird Party Verification | Provide documentation verifying the business existence. The document must be dated within 20 business days of the Note date. | Borrower has verified disposable income of at least $2500.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $16,291.08<br>Guidelines Representative FICO: 700<br> Representative FICO: 783 | SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-31): Waived with compensating factors at clients request.<br>Buyer Comment (2025-07-29): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-07-20): A VVOE is not third party verification of self-employment. CPA letter, business entity listing, or other state third-party verification required for review of this condition. Must be dated no more than 20 business days prior to Note date.<br>Buyer Comment (2025-07-17): VVOE |  |  | 07/31/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | FL | Investment | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | N/A | No |
| 12025041778 | XX | XX | XX |  | 34474235 | 12025041778-29639 | 07/14/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing documentation verifying the business existence dated within 20 business days of the Note date. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00. | Guidelines Representative FICO: 700<br> Representative FICO: 783<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $16,291.08 | SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-31): Waived with compensating factors at clients request.<br>Buyer Comment (2025-07-29): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-07-20): A VVOE is not third party verification of self-employment. CPA letter, business entity listing, or other state third-party verification required for review of this condition. Must be dated no more than 20 business days prior to Note date.<br>Buyer Comment (2025-07-17): see attached VVOE |  |  | 07/31/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | FL | Investment | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | N/A | No |
| 12025060184 | XX | XX | XX |  | 34474245 | 12025060184-25158 | 07/15/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock document was not provided. |  |  |  | Reviewer Comment (2025-07-18): Received<br>Buyer Comment (2025-07-16): Please find attached lock confirmation. | 07/18/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A | xx | SC | Primary | Purchase |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025060184 | XX | XX | XX |  | 34474246 | 12025060184-6542 | 07/15/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $370.00 exceeds tolerance of $300.00. Insufficient or no cure was provided to the borrower. (7520) | No valid COC provided. |  |  |  | Reviewer Comment (2025-07-30): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-07-28): Please find attached PCCD, LOE, Check. <br>Thank You!!!<br>Reviewer Comment (2025-07-22): SitusAMC received invoice, however we require additional sufficient information on why the credit report fee increased as invoice only states credit verification/technology fee. Please provide additional sufficient information on why credit verification was required. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-07-21): Please find the attached invoice detailing the reason for the credit report fee increase.<br>Reviewer Comment (2025-07-18): SitusAMC received Changed Circumstance dated 06/XX/2025, but it does not give sufficient information on why the Credit report fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-07-17): Please refer to document number D0317. The reason for the COC rate lock modification has already been provided. Thank You!!<br>Reviewer Comment (2025-07-17): SitusAMC received Changed Circumstance dated 06/XX/2025, but it does not give sufficient information on why the Credit report fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-07-16): Please find attached COC. |  | 07/30/2025 |  | 2 | C | B | C | B | C | B | C | B | C | B | xx | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025052594 | XX | XX | XX |  | 34474289 | 12025052594-27835 | 07/15/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: 06/XX/2025; Lien Position: 1 | CU Score is more than 2.5 and secondary valuation is missing. |  |  |  | Reviewer Comment (2025-07-20): Received CDA<br>Buyer Comment (2025-07-17): CDA | 07/20/2025 |  |  | 1 | D | A | D | A | D | A | D | A | D | A | xx | CO | Primary | Refinance - Cash-out - Other |  | D | A | A | A | A | A | D | A | Exempt from ATR | Exempt from ATR | No |
| 12025060965 | XX | XX | XX |  | 34474311 | 12025060965-4747 | 07/17/2025 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide a final HUD/Closing Statement that is signed by the borrower or stamped true and certified by settlement agent. Copy provided in file is an estimate. |  |  |  | Reviewer Comment (2025-07-22): Final settlement statement received<br>Buyer Comment (2025-07-18): Please see attached Final SS | 07/22/2025 |  |  | 1 | D | A | D | A | D | A | D | A | D | A | xx | AZ | Investment | Purchase |  | D | A | C | A | D | A | A | A | Exempt from ATR | N/A | No |
| 12025060965 | XX | XX | XX |  | 34474312 | 12025060965-6459 | 07/17/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-07-22): Alerts summary with all red flags addressed received in trailing docs.<br>Buyer Comment (2025-07-18): Clear final frau guard attached. Thank you. | 07/22/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | AZ | Investment | Purchase |  | D | A | C | A | D | A | A | A | Exempt from ATR | N/A | No |
| 12025060355 | XX | XX | XX |  | 34474326 | 12025060355-3831 | 07/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a final HUD/Closing Statement that is signed by the borrower or stamped true and certified by settlement agent. Copy provided in file is an estimate. |  |  |  | Reviewer Comment (2025-07-23): Received final closing statement<br>Buyer Comment (2025-07-22): Please see attached Final SS | 07/23/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Purchase |  | C | A | C | A | A | A | A | A | Exempt from ATR | N/A | No |
| 12025060642 | XX | XX | XX |  | 34474330 | 12025060642-6542 | 07/18/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $8,254.69 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points Fee Amount of $8,254.69 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-07-22): SitusAMC received valid COC dated 06/13/2025<br>Buyer Comment (2025-07-21): PFA COC | 07/22/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025060688 | XX | XX | XX |  | 34474350 | 12025060688-6459 | 07/21/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-07-24): clear<br>Buyer Comment (2025-07-22): PFA as requested | 07/24/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Primary | Purchase |  | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025030310 | XX | XX | XX |  | 34474401 | 12025030310-3831 | 04/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to accept transferred appraisal without the use of an appraisal management company. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: 736 | SitusAMC | Reviewer Comment (2025-04-09): Waived with compensating factors per lender exception approval at origination. |  |  | 04/09/2025 | 2 |  | B |  | B |  | B |  | B |  | B | xx | TN | Investment | Refinance - Cash-out - Other |  | A | B | A | B |  |  | A | A |  | N/A | No |
| 12025041448 | XX | XX | XX |  | 34474403 | 12025041448-3831 | 05/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination for borrower living rent free with a parent. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700<br> Representative FICO: 778 | Originator Pre-Close,SitusAMC | Reviewer Comment (2025-05-12): Waived with compensating factors per lender exception approval at origination. |  |  | 05/12/2025 | 2 | B | B | B | B | B | B | B | B | B | B | xx | MD | Investment | Refinance - Cash-out - Other |  | B | B | B | B |  |  | A | A |  | N/A | No |
| 12025041453 | XX | XX | XX |  | 34474406 | 12025041453-3831 | 05/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guarantor does not have primary housing history. Lives rent free with parent. Lender exception in file. Compensating factors: FICO and DSCR. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 253.11<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 778 | SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-16): Waived with compensating factors per lender exception approval at origination. |  |  | 05/16/2025 | 2 | B | B | B | B | B | B | B | B | B | B | xx | MD | Investment | Refinance - Cash-out - Other |  | B | B | B | B |  |  | A | A |  | N/A | No |
| 12025041419 | XX | XX | XX |  | 34474409 | 12025041419-3831 | 05/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception request for borrower who lives rent free with a parent.<br> Compensating Factors<br> 1. FICO 40+ points over the minimum required score for the LTV requested.<br> 2. DSCR of 1.15 or higher. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 278.59<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 778 | SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-19): Waived with compensating factors per lender exception approval at origination. |  |  | 05/19/2025 | 2 | B | B | B | B | B | B | B | B | B | B | xx | MD | Investment | Refinance - Cash-out - Other |  | B | B | B | B |  |  | A | A |  | N/A | No |
| 12025040434 | XX | XX | XX |  | 34474411 | 12025040434-25749 | 05/22/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD-1 is missing. |  |  |  | Reviewer Comment (2025-06-03): Cleared.<br>Buyer Comment (2025-06-02): Please find final HUD-1 attached. Thank you. | 06/03/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025041300 | XX | XX | XX |  | 34474414 | 12025041300-6459 | 05/22/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-05-30): clear<br>Buyer Comment (2025-05-28): Fraud | 05/30/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | IL | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025031108 | XX | XX | XX |  | 34474420 | 12025031108-4211 | 06/04/2025 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | The file only contains the Schedule A of the Title Commitment. The title report is required. |  |  |  | Reviewer Comment (2025-06-17): clear<br>Buyer Comment (2025-06-13): Title Policy attached<br>Reviewer Comment (2025-06-09): Received same document as in original file. It is only page 1 of the title commitment. Please provide complete title commitment for review.<br>Buyer Comment (2025-06-06): See attached showing coverage amount (this was included in the original upload of the file). | 06/17/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | TX | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025031108 | XX | XX | XX |  | 34474421 | 12025031108-23933 | 06/04/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | The file only contains the Schedule A of the Title Commitment. The title report is required. |  |  |  | Reviewer Comment (2025-06-17): clear<br>Reviewer Comment (2025-06-09): Received same one page document as in original file. Condition is asking for the complete/full title commitment for subject transaction as we only received page 1.<br>Buyer Comment (2025-06-06): see attached \*\*was included in original upload of file for review\*\* | 06/17/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | TX | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025050315 | XX | XX | XX |  | 34474423 | 12025050315-25749 | 06/05/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD/CD and closing statement documents are missing in file. |  |  |  | Reviewer Comment (2025-06-11): clear<br>Buyer Comment (2025-06-09): Final | 06/11/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | DE | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025050315 | XX | XX | XX |  | 34474425 | 12025050315-5205 | 06/05/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC was not provided for the borrowing entity. |  |  |  | Reviewer Comment (2025-06-10): Received<br>Buyer Comment (2025-06-06): see attached fraud | 06/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | DE | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025050315 | XX | XX | XX |  | 34474426 | 12025050315-2924 | 06/05/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full Fraud Report is required with OFAC for all parties. Red flags must be addressed. |  |  |  | Reviewer Comment (2025-06-10): Received<br>Buyer Comment (2025-06-06): Fraud | 06/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | DE | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025051051 | XX | XX | XX |  | 34474454 | 12025051051-25749 | 06/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD-1/Settlement Statement. |  |  |  | Reviewer Comment (2025-07-08): clear<br>Buyer Comment (2025-07-03): Please see attached Final SS | 07/08/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025041381 | XX | XX | XX |  | 34474462 | 12025041381-3831 | 06/13/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Mortgage is paid to private individual. 12 months of cancelled checks front and back or 12 months of bank statements are required to verify timely payments. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 6.97<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 763 | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-17): Waived with compensating factors per lender exception approval received in trailing docs.<br>Buyer Comment (2025-07-17): exception |  |  | 07/17/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | FL | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025040873 | XX | XX | XX |  | 34474464 | 12025040873-23089 | 06/13/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report Date: 04/XX/2025 | Subject was listed for sale 1/XX/25 for $xx (MLS #XX). Listing is classified as withdrawn with an off-market date of 4/XX/25 and final list price of $XX Guidelines require a letter of explanation from borrower reason for the prior listing as well as proof that it was taken off the market. File is missing required documentation. |  |  |  | Reviewer Comment (2025-06-27): clear<br>Buyer Comment (2025-06-25): loe<br>Reviewer Comment (2025-06-18): App date is 04/XX/2025 and listing cancelled 04/XX/2025. LOE required per the memo.<br>Buyer Comment (2025-06-16): Per credit memo, loe is not required. Loan was taken off market prior to the app date.<br>Buyer Comment (2025-06-16): Credit memo | 06/27/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | TX | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025050132 | XX | XX | XX |  | 34474475 | 12025050132-4256 | 06/16/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 681 is less than Guideline representative FICO score of 700. | Representative FICO score of 681 is less than Guideline representative FICO score of 700. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 34.26<br> Guideline Requirement: 2.00 | SitusAMC | Reviewer Comment (2025-06-19): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-06-17): exception |  |  | 06/19/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | PA | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025050132 | XX | XX | XX |  | 34474476 | 12025050132-3831 | 06/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower lived rent-free until xx with someone other than spouse. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 34.26<br> Guideline Requirement: 2.00 | SitusAMC | Reviewer Comment (2025-06-19): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-06-17): see attached exception |  |  | 06/19/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | PA | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025050293 | XX | XX | XX |  | 34474479 | 12025050293-2924 | 06/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full Fraud Report missing, only Alerts Summary Section provided. |  |  |  | Reviewer Comment (2025-06-23): clear<br>Buyer Comment (2025-06-20): Please find final clear fraud guard attached. Thank you. | 06/23/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | AZ | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 12025050293 | XX | XX | XX |  | 34474480 | 12025050293-4747 | 06/16/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated provided |  |  |  | Reviewer Comment (2025-06-23): clear<br>Buyer Comment (2025-06-20): Attached is the Final SS | 06/23/2025 |  |  | 1 | D | A | D | A | D | A | D | A | D | A | xx | AZ | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 12025050293 | XX | XX | XX |  | 34474481 | 12025050293-23698 | 06/16/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XX | Duplicate |  |  |  | Reviewer Comment (2025-06-23): clear<br>Buyer Comment (2025-06-20): Please find final clear fraud guard attached. Thank you. | 06/23/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | AZ | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 12025040738 | XX | XX | XX |  | 34474483 | 12025040738-4513 | 06/16/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | The file is missing the Article Organizations for the borrowing business entity and all sub-entities. |  |  |  | Reviewer Comment (2025-06-24): clear<br>Reviewer Comment (2025-06-23): Need actual Articles of Organization. Cannot use the Cert of Good Standing for the Articles.<br>Buyer Comment (2025-06-20): XX<br>Buyer Comment (2025-06-20): XX<br>Buyer Comment (2025-06-20): XX<br>Buyer Comment (2025-06-20): XX<br>Buyer Comment (2025-06-20): XX | 06/24/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025040738 | XX | XX | XX |  | 34474484 | 12025040738-4062 | 06/16/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | The file is missing the fully executed Corporate Resolution from all owners of the business entity and sub-entities to confirm the guarantor has sufficient signing authority. |  |  |  | Reviewer Comment (2025-06-23): clear<br>Buyer Comment (2025-06-20): see attached signed operating agreement<br>Reviewer Comment (2025-06-19): Signatures from 2 of the owners were not provided on the Operating Agreement.<br>Buyer Comment (2025-06-18): Per operating agreement XX has authorization to sign | 06/23/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025040738 | XX | XX | XX |  | 34474485 | 12025040738-5380 | 06/16/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | The file contains 2 different Operating Agreements for the borrowing business entity that are both dated 04//XX/2025 and have different ownership information. Documentation to verify which Operating Agreement is the correct one required. Operating Agreements to be fully executed. |  |  |  | Reviewer Comment (2025-06-23): cleared with 05/XX/2025 document.<br>Buyer Comment (2025-06-20): see attached amended operating agreement dated 05/2025 | 06/23/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025040738 | XX | XX | XX |  | 34474486 | 12025040738-3831 | 06/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the Amended Operating Agreement for xx dated 05/XX/2025. |  |  |  | Reviewer Comment (2025-06-23): clear<br>Buyer Comment (2025-06-20): Amended<br>Reviewer Comment (2025-06-19): cleared in error.<br>Reviewer Comment (2025-06-19): clear<br>Reviewer Comment (2025-06-19): Not signed by all parties.<br>Buyer Comment (2025-06-17): XX | 06/23/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025040738 | XX | XX | XX |  | 34474487 | 12025040738-6459 | 06/16/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-06-19): clear<br>Buyer Comment (2025-06-17): Fraud | 06/19/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025041715 | XX | XX | XX |  | 34474496 | 12025041715-4061 | 06/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | The Non-Owner Occupancy Certificate is not complete as Question 3A is missing the principal residence address. |  |  |  | Reviewer Comment (2025-06-20): Received completed NOO.<br>Buyer Comment (2025-06-18): affadavit | 06/20/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | TX | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025041715 | XX | XX | XX |  | 34474497 | 12025041715-6459 | 06/17/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX | There are open red flags on the Fraud Report. |  |  |  | Reviewer Comment (2025-06-20): Received fraud report with all red flags cleared.<br>Buyer Comment (2025-06-18): fraud | 06/20/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | TX | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025050125 | XX | XX | XX |  | 34474499 | 12025050125-3831 | 06/17/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The credit application reflects the borrower lives rent free and is unmarried; therefore, borrower does not live with a spouse. The guidelines require underwriter discretion to allow borrower living with someone other than an spouse. The file does not contain the underwriter discretion documentation. |  |  |  | Reviewer Comment (2025-06-20): Received UW worksheet with UW discretion for borrower living rent free with someone other than spouse.<br>Buyer Comment (2025-06-18): uw comments | 06/20/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 12025050125 | XX | XX | XX |  | 34474500 | 12025050125-2919 | 06/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2025-06-20): Received<br>Buyer Comment (2025-06-18): ofac | 06/20/2025 |  |  | 1 | C | A | C | A | C | A | C | A | D | A | xx | FL | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 12025050125 | XX | XX | XX |  | 34474501 | 12025050125-23089 | 06/17/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report Date: 05/XX/2025 | Property listed at time of application. Borrower to provide letter of explanation for the listing of the subject property. |  |  |  | Reviewer Comment (2025-06-20): Received borrower LOE<br>Buyer Comment (2025-06-20): listing loe | 06/20/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 12025051541 | XX | XX | XX |  | 34474507 | 12025051541-23688 | 06/17/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (2025-07-07): Replacement cost coverage in place.<br>Buyer Comment (2025-07-02): Please see attached RCE .. The replacement cost is $710,926, which matches the Dwelling<br>Buyer Comment (2025-07-02): Please see attached HOI. The Dwelling is $710,926 | 07/07/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025040685 | XX | XX | XX |  | 34474521 | 12025040685-4513 | 06/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | The file is missing the Articles of Organization for XX |  |  |  | Reviewer Comment (2025-06-24): clear<br>Reviewer Comment (2025-06-20): Documents provided are not articles of organization. They are printouts from the state website showing the status of the entities. Please provide full articles of organization for each entity.<br>XX | 06/24/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025040685 | XX | XX | XX |  | 34474522 | 12025040685-3831 | 06/17/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the fully executed Corporate Resolution from all owners of the business entity and sub-entities to confirm the guarantor has sufficient signing authority. |  |  |  | Reviewer Comment (2025-06-24): clear<br>Buyer Comment (2025-06-24): Operating agreement states xx has full power and authority to sign on behalf of the company. Pg 1 of amended agreement.<br>Buyer Comment (2025-06-24): amended operating agreement<br>Reviewer Comment (2025-06-20): Please indicate which operating agreement and which section of the operating agreement grants our guarantor sole authority to sign for all entities.<br>Buyer Comment (2025-06-18): Borrower has signing authority per operating agreement<br>Buyer Comment (2025-06-18): Operating agreement | 06/24/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025040685 | XX | XX | XX |  | 34474523 | 12025040685-5380 | 06/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Provide most recent amendment to the Operating Agreement for the borrowing entity. |  |  |  | Reviewer Comment (2025-06-24): clear<br>Buyer Comment (2025-06-24): see attached operating agreement<br>Reviewer Comment (2025-06-20): Document received does not indicate it is for our borrowing entity. Need amended operating agreement for XX<br>Buyer Comment (2025-06-20): operating agreement<br>Buyer Comment (2025-06-18): see attached | 06/24/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025040685 | XX | XX | XX |  | 34474524 | 12025040685-6459 | 06/17/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-06-20): Updated fraud report with all red flags addressed received.<br>Buyer Comment (2025-06-18): fraud | 06/20/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025051194 | XX | XX | XX |  | 34474527 | 12025051194-6459 | 06/17/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-07-02): clear<br>Buyer Comment (2025-07-01): Please find attached the initial & final fraud guards. Thank you. | 07/02/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | OR | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025050159 | XX | XX | XX |  | 34474529 | 12025050159-25749 | 06/17/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | The full executed final HUD/Closing Statement is missing from the file. The file contains page 1 of a Closing Statement only. |  |  |  | Reviewer Comment (2025-07-01): clear<br>Buyer Comment (2025-06-30): Please see attached Final SS | 07/01/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | MO | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 12025050159 | XX | XX | XX |  | 34474530 | 12025050159-2827 | 06/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | The title reflects the property is currently vested in the borrowers' names plus a third party. The documentation indicates the third party is no longer going to be a vested party. A copy of the executed deed transferring the property from the third party to the borrowers is required. |  |  |  | Reviewer Comment (2025-07-01): clear<br>Buyer Comment (2025-06-30): Please see attached QCD 2<br>Buyer Comment (2025-06-30): Please see attached QCD 1 | 07/01/2025 |  |  | 1 | D | A | D | A | D | A | D | A | D | A | xx | MO | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 12025050721 | XX | XX | XX |  | 34474533 | 12025050721-3831 | 06/17/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | LOE in file disclosed that borrowers live rent free since xx with someone other than spouse. Unable to verify the previous 6 months' housing history. Please provide a letter of explanation disclosing that property was owned free & clear. |  |  |  | Reviewer Comment (2025-07-11): Previous housing history verified.<br>Buyer Comment (2025-07-09): Please see email explanation & mtg history attached. Thank you. | 07/11/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | MD | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025050721 | XX | XX | XX |  | 34474534 | 12025050721-3831 | 07/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | LOE in file reflects our borrowers live rent free with someone other than a spouse and file does not contain a lender exception or UW discretion as to approving loan this way. |  |  |  | Reviewer Comment (2025-07-16): Cleared with UW comment on the 008 per the lender credit memo.<br>Buyer Comment (2025-07-14): Final 1008 with Underwriter comments for rent free no loe attached. | 07/16/2025 |  |  | 1 |  | A |  | A |  | A |  | A |  | A | xx | MD | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025050905 | XX | XX | XX |  | 34474548 | 12025050905-5205 | 06/18/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Required for borrowing entity. |  |  |  | Reviewer Comment (2025-06-23): clear<br>Buyer Comment (2025-06-20): ofac search | 06/23/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | SC | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025050135 | XX | XX | XX |  | 34474549 | 12025050135-27835 | 06/18/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: 06/XX/2025; Lien Position: 1 |  |  |  |  | Reviewer Comment (2025-07-17): Received CDA<br>Buyer Comment (2025-07-15): Clear CDA attached. | 07/17/2025 |  |  | 1 | D | A | D | A | D | A | D | A | D | A | xx | NY | Investment | Purchase |  | D | A | A | A |  |  | D | A |  | N/A | No |
| 12025051520 | XX | XX | XX |  | 34474552 | 12025051520-25749 | 06/18/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | All copies provided are estimates. |  |  |  | Reviewer Comment (2025-07-02): clear<br>Buyer Comment (2025-07-01): 07/01-Please see attached FSS | 07/02/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025032490 | XX | XX | XX |  | 34474553 | 12025032490-28330 | 06/18/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of $XX is less than Guideline minimum loan amount of $125,000.00. | Lender approved exception request to loan amount <$125,000 - Seeking allowance to go to $XXdue to low appraised value. Comp Factors: 1) Credit score >40 points than minimum required 2) >= 4 Addt'l Reserves and <= $1.0M (business account from XX provided) 3) No consumer lates in last 24-months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 332.68<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 759 | SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-18): Waived with compensating factors per lender exception approval at origination. |  |  | 06/18/2025 | 2 | B | B | B | B | B | B | B | B | B | B | xx | TX | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025032490 | XX | XX | XX |  | 34474555 | 12025032490-6459 | 06/18/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-07-08): clear<br>Buyer Comment (2025-07-03): Please find clear fraud guard attached. Thank you.<br>Reviewer Comment (2025-06-27): There is a red flag that was not addressed.<br>Buyer Comment (2025-06-25): Please find cleared final fraud guard attached. Thank you. | 07/08/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | TX | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025051409 | XX | XX | XX |  | 34474557 | 12025051409-3831 | 06/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception request due to borrower being 1x90x12 - 1x30x12 - no reduction in LTV and 0x60x12 - max 65% LTV. Comp Factors: (1) DSCR => 1.15 (2) Borrower's credit score is at least 40 points > min 640. (3) Borrower's mortgage history goes back to 2013. There was one other 1x30 in April 2020 (PIF 04/2021) No other late payments on the entire credit report. (4) Reserves of at least 6 months; 4 months > min 2. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 104.28<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 640<br> Representative FICO: 764 | SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-18): Waived with compensating factors per lender exception approval at origination. |  |  | 06/18/2025 | 2 | B | B | B | B | B | B | B | B | B | B | xx | FL | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025051409 | XX | XX | XX |  | 34474558 | 12025051409-3831 | 06/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide complete copy of the 1004/appraisal. The bottom of the pages are cut off and the information is not legible. Additional conditions may apply. |  |  |  | Reviewer Comment (2025-07-08): clear<br>Buyer Comment (2025-07-03): Please find appraisal attached with pages not cut off. Thank you. | 07/08/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025032557 | XX | XX | XX |  | 34474563 | 12025032557-3831 | 06/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide evidence of good standing in the State of Texas. |  |  |  | Reviewer Comment (2025-06-27): Cleared per lender credit memo.<br>Buyer Comment (2025-06-25): credit memo is on pg 509 of your docs; trailing other<br>Reviewer Comment (2025-06-24): Please provide memo.<br>Buyer Comment (2025-06-20): Not required per credit memo<br>Buyer Comment (2025-06-20): Credit memo | 06/27/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | TX | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025051551 | XX | XX | XX |  | 34474568 | 12025051551-6459 | 06/19/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-06-25): Fraud report with all red flags addressed/cleared received.<br>Buyer Comment (2025-06-23): fraud | 06/25/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025031057 | XX | XX | XX |  | 34474581 | 12025031057-3831 | 07/01/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines for inherited properties, the property must be vested in the borrower's name. Title commitment provided in file does not reflect property has been vested in our borrower's name. Warranty deed executed at closing was provided, transferring to our borrower's name. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 620<br> Representative FICO: 689 | Originator,SitusAMC | Reviewer Comment (2025-07-02): Waived with compensating factors at clients request.<br>Buyer Comment (2025-07-01): Lender accepts. Please waive with available compensating factors |  |  | 07/02/2025 | 2 |  | B |  | B |  | B |  | B |  | B | xx | FL | Investment | Refinance - Rate/Term |  | A | B | A | B |  |  | A | A |  | N/A | No |
| 12025050011 | XX | XX | XX |  | 34474584 | 12025050011-2919 | 06/20/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | VOM for subject property does not reflect date mortgage originated. Need corrected form to verify number of payments made. |  |  |  | Reviewer Comment (2025-06-25): clear<br>Buyer Comment (2025-06-24): VOM | 06/25/2025 |  |  | 1 | C | A | C | A | C | A | C | A | D | A | xx | OH | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 12025050011 | XX | XX | XX |  | 34474585 | 12025050011-6459 | 06/20/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX | Red flags are not cleared on fraud report. |  |  |  | Reviewer Comment (2025-06-30): clear<br>Buyer Comment (2025-06-26): Fraud<br>Reviewer Comment (2025-06-25): There is 1 red flag that needs to be addressed.<br>Buyer Comment (2025-06-23): fraud | 06/30/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | OH | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 12025042020 | XX | XX | XX |  | 34474588 | 12025042020-4513 | 06/23/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization missing in Loan File. |  |  |  | Reviewer Comment (2025-07-08): clear<br>Buyer Comment (2025-07-03): Articles of Organization attached. Thank you. | 07/08/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | LA | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025040161 | XX | XX | XX |  | 34474594 | 12025040161-4245 | 06/23/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Lender approved exception for LTV of 80% versus Max LTV 75% for cash out refinance. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700<br> Representative FICO: 773 | SitusAMC | Reviewer Comment (2025-06-23): Waived with compensating factors per lender exception approval at origination. |  |  | 06/23/2025 | 2 | B | B | B | B | B | B | B | B | B | B | xx | NJ | Investment | Refinance - Cash-out - Other |  | B | B | B | B |  |  | A | A |  | N/A | No |
| 12025042716 | XX | XX | XX |  | 34474597 | 12025042716-30930 | 06/23/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $XX is less than the note amount of $XX based on the Commitment in file. | The Title Policy Amount of $XXis less than the note amount of $XX based on the Commitment in file. |  |  |  | Reviewer Comment (2025-06-26): clear<br>Buyer Comment (2025-06-24): Final | 06/26/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A | xx | IL | Investment | Refinance - Cash-out - Other |  | B | B | B | B |  |  | A | A |  | N/A | No |
| 12025042716 | XX | XX | XX |  | 34474598 | 12025042716-3831 | 06/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception allowed 80% LTV on Cash Out-Refinance.<br> Compensating factor: DSCR is greater than 1.15<br> Credit score is 745 and no late payments in greater than 24 months. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700<br> Representative FICO: 745 | SitusAMC | Reviewer Comment (2025-06-23): Waived with compensating factors per lender exception approval at origination. |  |  | 06/23/2025 | 2 | B | B | B | B | B | B | B | B | B | B | xx | IL | Investment | Refinance - Cash-out - Other |  | B | B | B | B |  |  | A | A |  | N/A | No |
| 12025021334 | XX | XX | XX |  | 34474600 | 12025021334-3831 | 06/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approval , 1008 states property is a 2 unit property but Appraisal 1025 page 1 shows its 3 unit property, Photos available in appraisal shows its a 2 unit property, Comparable rent schedule show unit breakdown of 2 units. |  |  |  | Buyer Comment (2025-07-07): please clear exception<br>Reviewer Comment (2025-07-02): clear<br>Buyer Comment (2025-06-30): appraisal is effective as of 03/XX/25<br>Reviewer Comment (2025-06-26): Cannot use a post closing appraisal to clear this.<br>Buyer Comment (2025-06-26): appraisal | 07/09/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | NY | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025021334 | XX | XX | XX |  | 34474601 | 12025021334-4264 | 06/23/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.25 is less than Guideline PITIA months reserves of 2.00. |  |  |  |  | Reviewer Comment (2025-07-14): Received evidence of access to funds letter from CPA<br>Buyer Comment (2025-07-10): cpa letter | 07/14/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | NY | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025021334 | XX | XX | XX |  | 34474602 | 12025021334-3831 | 06/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | OFAC is missing for the borrowing entity. |  |  |  | Reviewer Comment (2025-06-26): clear<br>Buyer Comment (2025-06-24): ofac search | 06/26/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | NY | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025021334 | XX | XX | XX |  | 34474603 | 12025021334-28636 | 06/23/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Evidence of access to the business funds is required. |  |  |  | Reviewer Comment (2025-07-14): Received evidence of access to funds letter from CPA<br>Buyer Comment (2025-07-10): see attached cpa letter | 07/14/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | NY | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025051118 | XX | XX | XX |  | 34474604 | 12025051118-27835 | 06/24/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: 06/XX/2025; Lien Position: 1 | Secondary valuation is missing in file. |  |  |  | Reviewer Comment (2025-07-07): clear<br>Buyer Comment (2025-07-02): Clear CDA attached. Thank you. | 07/07/2025 |  |  | 1 | D | A | D | A | D | A | D | A | D | A | xx | FL | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 12025051118 | XX | XX | XX |  | 34474606 | 12025051118-31588 | 06/24/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date 06/XX/2025, Disbursement Date: 06/XX/2025 | The homeowner's insurance declarations page in the file verified an effective date of 06/XX/2025 which is after the consummation date of 06/XX/2025. Require a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-15): Waived with compensating factors per lender request.<br>Buyer Comment (2025-07-11): Insurance agent confirmed that there are no damage/claims. Please waive to a grade B<br>Reviewer Comment (2025-07-10): Agent email unable to be used to clear this condition. If lender is accepting the HOI, they can request to waive, but we would not be able to clear.<br>Buyer Comment (2025-07-08): Please see attached email from the insurance agent. |  |  | 07/15/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | FL | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 12025051118 | XX | XX | XX |  | 34474607 | 12025051118-5205 | 06/24/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for business entity. |  |  |  | Reviewer Comment (2025-07-07): clear<br>Buyer Comment (2025-07-02): Please find clear ofac attached. | 07/07/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Refinance - Cash-out - Other |  | D | B | C | B |  |  | D | A |  | N/A | No |
| 12025050005 | XX | XX | XX |  | 34474612 | 12025050005-2799 | 06/24/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Page 3 of the Note is not fully legible. Provide an updated copy of the Note with all pages legible. |  |  |  | Reviewer Comment (2025-07-02): clear<br>Buyer Comment (2025-07-01): Attached legible copy of all pages of note | 07/02/2025 |  |  | 1 | D | A | D | A | D | A | D | A | D | A | xx | NJ | Investment | Refinance - Rate/Term |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 12025051164 | XX | XX | XX |  | 34474617 | 12025051164-3831 | 06/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | OFAC is missing for the borrowing entity. |  |  |  | Reviewer Comment (2025-06-30): clear<br>Buyer Comment (2025-06-26): XX pg 119 | 06/30/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | MD | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025051164 | XX | XX | XX |  | 34474618 | 12025051164-3831 | 06/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide verification that the 2nd lien paid off meets guideline requirments for paying off a second lien with rate term refinance. |  |  |  | Reviewer Comment (2025-06-30): clear<br>Buyer Comment (2025-06-26): XX reports the lien as a closed end loan; per guidelines Any subordinate loan not used in the acquisition of the subject property provided <br> one of the following apply:▪ Closed end loan | 06/30/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | MD | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025050568 | XX | XX | XX |  | 34474620 | 12025050568-3831 | 06/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide evidence that the CPA has no affiliation with the borrower or the business. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 11.83<br> Guideline Requirement: 2.00 | Originator,SitusAMC | Reviewer Comment (2025-07-02): Waived with compensating factors at clients request.<br>Buyer Comment (2025-07-02): Lender accepts. Please waive with available compensating factors"<br>Reviewer Comment (2025-07-02): Cannot use a post closing document to clear this.<br>Buyer Comment (2025-06-30): cpa letter |  |  | 07/02/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | FL | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025051163 | XX | XX | XX |  | 34474625 | 12025051163-25749 | 06/24/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | provide fully executed final HUD. Copy provided is an estimate. |  |  |  | Reviewer Comment (2025-06-30): clear<br>Buyer Comment (2025-06-26): Final | 06/30/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | WA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025051294 | XX | XX | XX |  | 34474634 | 12025051294-5205 | 06/25/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2025-06-30): clear<br>Buyer Comment (2025-06-26): ofac search | 06/30/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025030405 | XX | XX | XX |  | 34474636 | 12025030405-6459 | 06/27/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX, Credit Report: Original // Borrower: XX | There are red flags on the fraud report that have not been addressed. |  |  |  | Reviewer Comment (2025-07-02): clear<br>Buyer Comment (2025-06-30): fraud summary | 07/02/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | IL | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025050748 | XX | XX | XX |  | 34474650 | 12025050748-31588 | 06/25/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date 06/XX/2025, Disbursement Date: 06/XX/2025 | Hazard Insurance Policy Effective date 06/XX/2025 Start after the disbursement date 06/XX/2025. |  |  |  | Reviewer Comment (2025-07-09): clear<br>Buyer Comment (2025-07-07): Please see attached HOI with updated effective date. | 07/09/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | OK | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025050748 | XX | XX | XX |  | 34474652 | 12025050748-4245 | 06/25/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.69659% exceeds Guideline loan to value percentage of 75.00000%. | Calculated loan to value percentage of 75.69659% exceeds Guideline loan to value percentage of 75.00000%. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700<br> Representative FICO: 798 | Originator Pre-Close,SitusAMC | Reviewer Comment (2025-07-07): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-07-02): Please find exception for ltv attached. Thank you. |  |  | 07/07/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | OK | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 32025050299 | XX | XX | XX |  | 34474654 | 32025050299-5205 | 06/26/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC was not provided for the borrowing entity. |  |  |  | Reviewer Comment (2025-07-01): clear<br>Buyer Comment (2025-06-27): xx to include borrowing entity OFAC screening. | 07/01/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | MO | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 32025051249 | XX | XX | XX |  | 34474657 | 32025051249-5205 | 06/26/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC was not provided for the borrowing entity. |  |  |  | Reviewer Comment (2025-07-02): clear<br>Buyer Comment (2025-06-30): Fraud Report to include the OFAC screening for the borrowing entity. | 07/02/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | MO | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025031560 | XX | XX | XX |  | 34474675 | 12025031560-4507 | 06/27/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is not within 90 days, as required by guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-17): Waived with compensating factors per lender request.<br>Buyer Comment (2025-07-17): Lender accepts. Please waive with available compensating factors" |  |  | 07/17/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | NY | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025031560 | XX | XX | XX |  | 34474676 | 12025031560-6459 | 06/27/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-07-02): clear<br>Buyer Comment (2025-07-01): XX reports all high/medium alerts cleared | 07/02/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | NY | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 12025051270 | XX | XX | XX |  | 34474682 | 12025051270-3831 | 06/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The credit application and letter of explanation reflects the borrower lives rent free with parents. The guidelines require underwriter discretion to allow borrower living with someone other than an spouse. The file does not contain the underwriter discretion documentation. |  |  |  | Reviewer Comment (2025-07-02): Cleared per lender credit memo.<br>Buyer Comment (2025-07-01): 07/01-Please see the following attached LOE from UW explaining Rent Free | 07/02/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025051252 | XX | XX | XX |  | 34474684 | 12025051252-2919 | 07/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide 12 month pay history for the primary residence or verify it is owned free and clear. |  |  |  | Reviewer Comment (2025-07-11): Received LOE from borrower and parent detailing they live rent free. Updated 1008 also received in trailing documents, detailing UW discretion to allow this living situation.<br>Buyer Comment (2025-07-09): Please find attached underwriter 1008 with comments living rent free permitted with no loe per guidelines. Thank you.<br>Reviewer Comment (2025-07-09): Provide letter form borrower explaining the living situation. Does he live rent free with a spouse?<br>Buyer Comment (2025-07-07): Per 1003 - Borrower primary lives rent free see attached included with initial upload submission. Thanks so much. | 07/11/2025 |  |  | 1 | C | A | C | A | C | A | C | A | D | A | xx | FL | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 12025051233 | XX | XX | XX |  | 34474696 | 12025051233-767 | 07/08/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Charge-offs / Balance: 9506.00 | Per guidelines, charge-offs greater than 24 months in excess of $2,500 must be paid. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 171.08<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 799 | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-17): Waived with compensating factors per lender exception approval received in trailing docs.<br>Buyer Comment (2025-07-15): exception |  |  | 07/17/2025 | 2 | B | B | B | B | B | B | B | B | B | B | xx | CO | Investment | Refinance - Cash-out - Other |  | B | B | B | B |  |  | A | A |  | N/A | No |
| 12025050506 | XX | XX | XX |  | 34474697 | 12025050506-846 | 07/09/2025 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. |  | HO6 is not provided |  |  |  | Reviewer Comment (2025-07-14): Received HOI agent email stating walls in coverage included<br>Buyer Comment (2025-07-10): walls in<br>Buyer Comment (2025-07-10): email from agent | 07/14/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 12025031220 | XX | XX | XX |  | 34474765 | 12025031220-23698 | 04/10/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XX, Credit Report: Original // Borrower:XX | Fraud report not provided. |  |  |  | Reviewer Comment (2025-04-14): cleared<br>Buyer Comment (2025-04-11): Fraud | 04/14/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | TX | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025031220 | XX | XX | XX |  | 34474767 | 12025031220-6336 | 04/10/2025 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  | Reviewer Comment (2025-04-18): Cleared with preliminary title and final closing statement.<br>Reviewer Comment (2025-04-15): Will be reviewed with final title.<br>Buyer Comment (2025-04-11): Please see attached Statement it will be provided in final policy. | 04/18/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A | xx | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025031220 | XX | XX | XX |  | 34474768 | 12025031220-6524 | 04/10/2025 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing. |  |  |  |  | Reviewer Comment (2025-05-06): Cleared with signed CD.<br>Buyer Comment (2025-05-05): Please see attached<br>Reviewer Comment (2025-04-25): For this exception we need a CD, signed and dated or provide verification that it was sent to the borrower at least 1 business day prior to consummation and all of the fees need to match what's on the final CD in the file.<br>Buyer Comment (2025-04-24): Please advise what you will need to clear this condition.03/xx CD signed copy will clear this exception?<br>Reviewer Comment (2025-04-24): Fees on the 03/XX/2025 CD do not match the fees on the 03/XX/2025 CD. The CD needs to be signed or we need the E-Delivery disclosure.<br>Buyer Comment (2025-04-22): Please see attached CD dated 03/xx.<br>Reviewer Comment (2025-04-22): The file does not contain evidence the final itemized disclosure was provided to borrower at least 1 day prior to closing. Closing statement received in trailing docs is dated 3/XX/2025 and shows it was printed on 4/112025. All of the final CDs in file are dated and signed 3/XX/2025, which is the day of closing. Please provide the document you are referencing that shows an itemization of the final points, costs and charges were disclosed to borrower at least 1 business day prior to closing.<br>Buyer Comment (2025-04-22): We provided the CD and 1003 to the borrower more than 1 day prior as required by the TX job aid - which was already sent over a<br> What additional form are you requiring? please advise | 05/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025031220 | XX | XX | XX |  | 34474769 | 12025031220-767 | 04/10/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: 15688.91 | Unable to determine if judgment was released or satisfied. |  |  |  | Reviewer Comment (2025-04-14): cleared<br>Buyer Comment (2025-04-11): Non Suit Final order | 04/14/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A | xx | TX | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025011233 | XX | XX | XX |  | 34474772 | 12025011233-36435 | 06/04/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated 05/XX/2025 disclosed an inaccurate APR of 8.02800% compared to the actual APR at consummation of 8.25750% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | 1026.19(f)(1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction three (3) business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under 1026.22, revised disclosures with accurate APR must be disclosed and a new 3-day waiting period prior to consummation provided. The APR on the most recent CD received 3 days prior to consummation (8.028%) changed more than the 0.125% (regular transaction) threshold compared to the APR at consummation (8.26976%) and a revised disclosure with accurate APR was not received by the consumer at least 3 business days prior to consummation. |  |  |  | Reviewer Comment (2025-06-25): SitusAMC received proof of receipt.<br>Buyer Comment (2025-06-24): Attached is signed xx CD by borrower. | 06/25/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | AZ | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. | C | B | B | B | C | B | B | B | Exempt from ATR | Exempt from ATR | No |
| 12025011233 | XX | XX | XX |  | 34474773 | 12025011233-30168 | 06/04/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 05/XX/2025 contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | Closing Disclosure provided on or after 05/XX/2025 contains a change in APR and a complete Closing Disclosure was not received by borrower at least three business days prior to consummation |  |  |  | Reviewer Comment (2025-06-25): SitusAMC received proof of receipt. | 06/25/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | AZ | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. | C | B | B | B | C | B | B | B | Exempt from ATR | Exempt from ATR | No |
| 12025011233 | XX | XX | XX |  | 34474774 | 12025011233-6542 | 06/04/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $225.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | Appraisal Re-Inspection Fee Amount of $225.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-08): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-07-07): See attached all cure docs.<br>Reviewer Comment (2025-06-23): SitusAMC received PCCD, however we also require LOE and true & certified copy of final settlement statement to verify fees charged at closing. Also, a valid Changed Circumstance for addition of fee on CD dated 05/21 or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-06-20): Attached is the Invoice the Appraisal review fee.<br>Buyer Comment (2025-06-20): Attached find the PCCD updating the amount of the Appraisal Review Fee (Attaching invoice) to correct amount. This was paid to the vendor, not to xx. |  | 07/08/2025 |  | 2 | C | B | C | B | C | B | C | B | C | B | xx | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | B | B | Exempt from ATR | Exempt from ATR | No |
| 12025011233 | XX | XX | XX |  | 34474775 | 12025011233-4256 | 06/04/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 633 is less than Guideline representative FICO score of 640. | Lender exception was approved to allow FICO of 633 versus program minimum of 640. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Loan to Value: 42.24138%<br> Guideline Maximum Loan to Value: 70.00000%<br>DTI: 11.09503% <br> Guideline Maximum DTI: 50.00000%<br>Reserves: 43.84<br> Guideline Requirement: 3.00<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $33,999.12 | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-03): Waived with compensating factors per lender exception approval at origination. |  |  | 06/03/2025 | 2 | B | B | B | B | B | B | B | B | B | B | xx | AZ | Primary | Refinance - Cash-out - Other |  | C | B | B | B | C | B | B | B | Exempt from ATR | Exempt from ATR | No |
| 12025011233 | XX | XX | XX |  | 34474776 | 12025011233-6278 | 06/04/2025 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: XX | Lender exception was approved to allow 1-day extension on credit report expiration versus program requirement credit report good for 120 days. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Loan to Value: 42.24138%<br> Guideline Maximum Loan to Value: 70.00000%<br>DTI: 11.09503% <br> Guideline Maximum DTI: 50.00000%<br>Reserves: 43.84<br> Guideline Requirement: 3.00<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $33,999.12 | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-03): Waived with compensating factors per lender exception approval at origination. |  |  | 06/03/2025 | 2 | B | B | B | B | B | B | B | B | B | B | xx | AZ | Primary | Refinance - Cash-out - Other |  | C | B | B | B | C | B | B | B | Exempt from ATR | Exempt from ATR | No |
| 12025011233 | XX | XX | XX |  | 34474777 | 12025011233-6498 | 06/04/2025 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: 12/XX/2024 | Lender approved exception to accept the appraisal transfer as-is without any revisions since the original appraiser is not cooperating to provide revisions. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Loan to Value: 42.24138%<br> Guideline Maximum Loan to Value: 70.00000%<br>DTI: 11.09503% <br> Guideline Maximum DTI: 50.00000%<br>Reserves: 43.84<br> Guideline Requirement: 3.00<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $33,999.12 | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-03): Waived with compensating factors per lender exception approval at origination. |  |  | 06/03/2025 | 2 | B | B | B | B | B | B | B | B | B | B | xx | AZ | Primary | Refinance - Cash-out - Other |  | C | B | B | B | C | B | B | B | Exempt from ATR | Exempt from ATR | No |
| 12025051599 | XX | XX | XX |  | 34474780 | 12025051599-6542 | 06/12/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,065.00 exceeds tolerance of $950.00. Insufficient or no cure was provided to the borrower. (7506) | No valid Change of circumstance provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-07-07): SitusAMC received LOX for rebuttal comment with additional information for a valid changed circumstance.<br>Buyer Comment (2025-07-02): Please see attached xx INITIAL LE with E-Consent<br>Reviewer Comment (2025-06-27): SItusAMC received email log confirming the requirement of rush for appraisal but COC cannot be applied as e-consent was received on 05/xx and LEs are electronically signed on 05/xx and 05/xx. Please provide earliest e-consent so that COC can be applied.<br>Buyer Comment (2025-06-25): Please see attached email.<br>Reviewer Comment (2025-06-17): SitusAMC received COC dated 05/xx with reason for increase in fee is due to rush request. However, the reason provided is not sufficient as to why the rush was requested for appraisal. Please provide more information on rush request to validate the reason for increase or cure would be due to the borrower.<br>Buyer Comment (2025-06-13): Please find attached COC. Thank You! | 07/07/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025051599 | XX | XX | XX |  | 34474781 | 12025051599-27657 | 06/12/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Provide February statement from the XXaccount ending with XX. |  |  |  | Reviewer Comment (2025-07-07): clear<br>Buyer Comment (2025-07-02): Please see attached 401k statement for January - March 2025. which reflects withdrawal of $1,056,599.57 from 401(K) used to open XX<br>The funds in account #XX are seasoned retirement assets. | 07/07/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | WA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025040917 | XX | XX | XX |  | 34474785 | 12025040917-6542 | 06/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $11,712.00 exceeds tolerance of $10,980.00. Insufficient or no cure was provided to the borrower. (7326) | The Loan Originator Fee increased from $10,980.00 on the initial Loan Estimate to $11,712.00 on the Closing Disclosure dated 05/XX/2025 without a valid change of circumstance. Please note, the file did contain a change of circumstance; however, the change occurred on 05/XX/2025 which is not within 3 business days of the change. |  |  |  | Reviewer Comment (2025-06-17): SitusAMC received valid COC and CD dated 05/XX/2025<br>Buyer Comment (2025-06-16): Please see attached CD dated 5/12 for which COC dated 05/10 is available. | 06/17/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025040917 | XX | XX | XX |  | 34474786 | 12025040917-6542 | 06/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | The Appraisal Re-Inspection Fee increased from $0.00 on the initial Loan Estimate to $250.00 on the Closing Disclosure dated 05/XX/2025 without a valid change of circumstance. Please note, the file did contain a change of circumstance dated 05/XX/2025; however, the appraisal report effective date is 12/XX/2024 and would have expired on 04/XX/2025. Adding the re-inspection fee on 05/XX/2025 is more than the allowed 3 business days after the change. |  |  |  | Reviewer Comment (2025-06-17): SitusAMC received valid COC and CD dated 05/XX/2025<br>Buyer Comment (2025-06-16): The Appraisal Re-Inspection Fee increased from $0.00 on the initial Loan Estimate to $250.00 on the Closing Disclosure dated 05/XX/2025 and not 05/XX/2025. | 06/17/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025042186 | XX | XX | XX |  | 34474788 | 12025042186-6582 | 06/13/2025 | 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 $171.00 exceeds tolerance of $0.00 plus 10% or $0.00. Sufficient or excess cure was provided to the borrower at Closing. (0) | Valid change of circumstance or sufficient cure is missing. |  |  |  | Reviewer Comment (2025-06-10): Sufficient Cure Provided At Closing |  | 06/10/2025 |  | 1 | A | A | A | A | A | A | A | A | A | A | xx | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025042529 | XX | XX | XX |  | 34474811 | 12025042529-28640 | 06/16/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | The borrower received a gift of $14,000 that was provided directly tot he closing agent per the Closing Disclosure. The guidelines require documentation to verify the donor gave the closing agent the gift funds in the form of a certified check, a cashier's check, or other official check (e.g., wire confirmation), which was not provided in the file. |  |  |  | Reviewer Comment (2025-06-18): Clear<br>Buyer Comment (2025-06-17): Gift wire for $14,000 + $15,600=$29,600<br>Buyer Comment (2025-06-17): gift wire | 06/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | NC | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025042529 | XX | XX | XX |  | 34474812 | 12025042529-3831 | 06/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to allow the borrower living rent free with other than spouse. Compensating factors noted: Length of employment - borrower has been self-employed for over 9 years in the same position/industry; DTI is at least 10 percentage points min 3 (Reserves may not be gift funds). | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | DTI: 34.17161% <br> Guideline Maximum DTI: 45.00000%<br>Reserves: 15.58<br> Guideline Requirement: 3.00<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $2,556.88 | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-16): Waived with compensating factors per lender exception approval at origination. |  |  | 06/16/2025 | 2 | B | B | B | B | B | B | B | B | B | B | xx | NC | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025042529 | XX | XX | XX |  | 34474813 | 12025042529-562 | 06/16/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Own/Rent was not provided |  | The final application reflects the borrower rents their primary residence for $1,400 per month; however, the file contains a letter of explanation that the borrower lives rent free. The application should reflect No primary housing expense. |  |  |  | Reviewer Comment (2025-06-26): clear<br>Buyer Comment (2025-06-24): certificate<br>Buyer Comment (2025-06-24): 1003 | 06/26/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A | xx | NC | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025030971 | XX | XX | XX |  | 34474818 | 12025030971-4961 | 06/17/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The guidelines require housing history for the most recent 12 months for the primary residence. The file contains a Closing Disclosure for a recent refinance on the primary residence that indicates a private mortgage was paid off. The file does not contain the required documentation to verify the 12 months of housing history to include a fully executed VOM together with either bank statements showing account ownership and timely payments debited by mortgage servicer, or canceled checks front and back along with the most recent mortgage statement. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $21,767.21<br>Reserves: 46.58<br> Guideline Requirement: 3.00<br>DTI: 24.61588% <br> Guideline Maximum DTI: 50.00000% | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-07): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-08-06): Please find exception attached. Thank you. |  |  | 08/07/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | FL | Investment | Refinance - Rate/Term |  | C | B | C | B | A | A | A | A | Exempt from ATR | N/A | No |
| 12025050886 | XX | XX | XX |  | 34474833 | 12025050886-29618 | 06/18/2025 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | The file is missing 6 months of mortgage history. Payment history provided for the most recent 6 months. |  |  |  | Reviewer Comment (2025-06-24): clear<br>Buyer Comment (2025-06-20): XX May 2025 payment<br>Buyer Comment (2025-06-20): XX mtg statements | 06/24/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025050886 | XX | XX | XX |  | 34474834 | 12025050886-3831 | 06/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use the combination of (2) P&L statements for documentation purposes rather than obtaining a new P&L. Initial P&L provided covers time period 01/2024 to 12/2024, and an updated P&L covers time period 01/2025 to 04/2025. | Borrower has verified disposable income of at least $2500.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 12mo CPA P&L<br> Disposable Income: $19,175.06<br>Loan to Value: 40.00000%<br> Guideline Maximum Loan to Value: 70.00000%<br>DTI: 16.58622% <br> Guideline Maximum DTI: 50.00000% | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-18): Waived with compensating factors per lender exception approval at origination. |  |  | 06/18/2025 | 2 | B | B | B | B | B | B | B | B | B | B | xx | CA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025051189 | XX | XX | XX |  | 34474838 | 12025051189-6582 | 06/18/2025 | 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 $138.75 exceeds tolerance of $126.00 plus 10% or $138.60. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (2025-06-13): Sufficient Cure Provided At Closing |  | 06/13/2025 |  | 1 | A | A | A | A | A | A | A | A | A | A | xx | NV | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025051189 | XX | XX | XX |  | 34474840 | 12025051189-3831 | 06/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal not completed by an Appraisal Management Company. Lender exception in file. Compensating factors: DTI, residual income, credit score. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $89,818.68<br>Prior Housing Expense: $15,238.70<br> Proposed Housing Expense: $8,758.23<br>Reserves: 14.09<br> Guideline Requirement: 6.00<br>DTI: 28.14926% <br> Guideline Maximum DTI: 50.00000% | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-18): Waived with compensating factors per lender exception approval at origination. |  |  | 06/18/2025 | 2 | B | B | B | B | B | B | B | B | B | B | xx | NV | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025051189 | XX | XX | XX |  | 34474841 | 12025051189-3831 | 06/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence there is no affiliation between the CPA, borrower and borrowers business. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $89,818.68<br>Prior Housing Expense: $15,238.70<br> Proposed Housing Expense: $8,758.23<br>Reserves: 14.09<br> Guideline Requirement: 6.00<br>DTI: 28.14926% <br> Guideline Maximum DTI: 50.00000% | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-02): Waived with compensating factors at clients request.<br>Buyer Comment (2025-07-02): Please waive. Thank you.<br>Reviewer Comment (2025-07-02): Unable to use a post closing document to clear the exception.<br>Buyer Comment (2025-07-01): CPA letter |  |  | 07/02/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | NV | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025031752 | XX | XX | XX |  | 34474845 | 12025031752-6583 | 06/19/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $875.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (2025-06-13): Sufficient Cure Provided At Closing |  | 06/13/2025 |  | 1 | A | A | A | A | A | A | A | A | A | A | xx | MT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025031752 | XX | XX | XX |  | 34474846 | 12025031752-29187 | 06/19/2025 | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. | Financial Institution: XX // Account Type: Savings / Account Number: XX | XX statements are over 90 days old at closing. Provide March and April statements to have most recent 30 days of statements.. |  |  |  | Reviewer Comment (2025-06-23): Clear.<br>Buyer Comment (2025-06-20): Not using for reserves; Borrower has sufficient funds from Cash out proceeds. | 06/23/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | MT | Primary | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025031752 | XX | XX | XX |  | 34474847 | 12025031752-27657 | 06/19/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Provide most recent statement from XX dated within 30 days of the Note date. |  |  |  | Reviewer Comment (2025-06-23): clear<br>Buyer Comment (2025-06-20): Not using for reserves; Borrower has sufficient funds from Cash out proceeds. | 06/23/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | MT | Primary | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025051873 | XX | XX | XX |  | 34474895 | 12025051873-30939 | 06/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes. Unable to determine qualification without this information. | Borrower: XX | 1003 section 5a. D.1. indicates the borrower has additional mortgages in process that are not disclosed on 1003. |  |  |  | Reviewer Comment (2025-07-14): Corrected 1003 received in trailing docs<br>Buyer Comment (2025-07-10): summary<br>Reviewer Comment (2025-07-09): Provide verification that the updated 1003 was provided to the borrower for digital signature.<br>Buyer Comment (2025-07-07): summary<br>Buyer Comment (2025-07-07): 1003 | 07/14/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Primary | Purchase |  | C | B | C | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025051873 | XX | XX | XX |  | 34474896 | 12025051873-2839 | 06/25/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Gift letter not provided $XX |  |  |  | Reviewer Comment (2025-07-14): Received dated gift letter<br>Buyer Comment (2025-07-11): gift letter<br>Reviewer Comment (2025-07-07): Gift letter is required to be dated.<br>Buyer Comment (2025-07-02): gift letter | 07/14/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Primary | Purchase |  | C | B | C | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025051873 | XX | XX | XX |  | 34474897 | 12025051873-29640 | 06/25/2025 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Gift letter not provided XX |  |  |  | Reviewer Comment (2025-07-14): Received dated gift letter<br>Buyer Comment (2025-07-11): see attached gift letter<br>Reviewer Comment (2025-07-07): Gift letter is required to be dated.<br>Buyer Comment (2025-07-02): see attached gift letter | 07/14/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Primary | Purchase |  | C | B | C | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025051873 | XX | XX | XX |  | 34474898 | 12025051873-29639 | 06/25/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Verification of employment not provided in file for co-borrower wage income. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-14): Waived with compensating factors per lender direction they are accepting VVOE provided.<br>Buyer Comment (2025-07-11): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-07-09): VVOE does not verify the borrower is still/currently employed and it is dated more than 10 days from Note date.<br>Buyer Comment (2025-07-07): VVOE |  |  | 07/14/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | CA | Primary | Purchase |  | C | B | C | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025051873 | XX | XX | XX |  | 34474899 | 12025051873-29644 | 06/25/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: XX // Employment Type: Employment / Income Type: Wages / Start Date: 08/XX/2019 | Verification of employment not provided in file for co-borrower wage income. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-14): Waived with compensating factors per lender direction they are accepting VVOE provided.<br>Buyer Comment (2025-07-11): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-07-09): VVOE does not verify the borrower is still/currently employed and it is dated more than 10 days from Note date.<br>Buyer Comment (2025-07-07): see attached VVOE |  |  | 07/14/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | CA | Primary | Purchase |  | C | B | C | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025051873 | XX | XX | XX |  | 34474900 | 12025051873-34957 | 06/25/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-12,110.00 exceeds tolerance of $-15,570.00. Insufficient or no cure was provided to the borrower. (9300) | Lender Credits reduced in final closing disclosure. No Valid change circumstance in file. |  |  |  | Reviewer Comment (2025-07-10): SitusAMC received COC dated 06/05.<br>Buyer Comment (2025-07-08): Please see attached COC and CD | 07/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025051873 | XX | XX | XX |  | 34474902 | 12025051873-23086 | 06/25/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $197,755.53 is less than Cash From Borrower $385,379.00. | Available for Closing is insufficient to cover Cash from Borrower. The file is missing the gift letter to verify donor's information. |  |  |  | Reviewer Comment (2025-07-14): Dated gift letter received, reflecting sufficient assets for transaction<br>Buyer Comment (2025-07-11): see attached gift letter<br>Reviewer Comment (2025-07-07): Gift letter is required to be dated.<br>Buyer Comment (2025-07-02): see attached gift letter | 07/14/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Primary | Purchase |  | C | B | C | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025051873 | XX | XX | XX |  | 34474903 | 12025051873-4264 | 06/25/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. | Available for reserves is insufficient. The file is missing the gift letter to verify donor's information. |  |  |  | Reviewer Comment (2025-07-14): Dated gift letter received, reflecting sufficient assets for transaction<br>Buyer Comment (2025-07-11): see attached gift letter<br>Reviewer Comment (2025-07-07): Gift letter is required to be dated.<br>Buyer Comment (2025-07-02): see attached gift letter | 07/14/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Primary | Purchase |  | C | B | C | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025051873 | XX | XX | XX |  | 34474904 | 12025051873-28648 | 06/25/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided |  |  |  |  |  | Reviewer Comment (2025-07-07): clear<br>Buyer Comment (2025-07-02): see attached gift letter<br>Reviewer Comment (2025-06-30): Provide copy of gift letter.<br>Buyer Comment (2025-06-26): wire | 07/07/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Primary | Purchase |  | C | B | C | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025051992 | XX | XX | XX |  | 34474906 | 12025051992-3831 | 06/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | CPA to confirm that they have no association/affiliation with the borrowers and/or the borrowers business. |  |  |  | Reviewer Comment (2025-06-30): clear<br>Buyer Comment (2025-06-26): cpa letter | 06/30/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | TX | Investment | Purchase |  | C | A | C | A | A | A | A | A | Exempt from ATR | N/A | No |
| 12025050955 | XX | XX | XX |  | 34474919 | 12025050955-5404 | 06/27/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XX Third Party Verification | The file is missing third party verification for XX Tax Services. |  |  |  | Reviewer Comment (2025-07-16): Received PITIN evidence.<br>Buyer Comment (2025-07-14): CTEC<br>Reviewer Comment (2025-07-11): Please provide evidence of PTIN license for individual who completed third party verification letters.<br>Buyer Comment (2025-07-09): cpa letter | 07/16/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | N/A | No |
| 12025050955 | XX | XX | XX |  | 34474921 | 12025050955-3831 | 06/27/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Non-Owner Occupancy Declaration is incomplete as Section 4A is missing the principal residence address. |  |  |  | Reviewer Comment (2025-07-11): Received<br>Buyer Comment (2025-07-09): Non-Owner | 07/11/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | N/A | No |
| 12025050955 | XX | XX | XX |  | 34474922 | 12025050955-3831 | 06/27/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the final HUD-1. Copy in file is an estimate. |  |  |  | Reviewer Comment (2025-07-16): Received final closing statement<br>Buyer Comment (2025-07-14): Final | 07/16/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | N/A | No |
| 12025050955 | XX | XX | XX |  | 34474923 | 12025050955-3831 | 06/27/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to proceed with a duplex that has an ADU. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $10,845.80<br>Reserves: 36.99<br> Guideline Requirement: 3.00<br>DTI: 34.27752% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 700<br> Representative FICO: 802 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-06-27): Waived with compensating factors per lender exception approval at origination.<br>Reviewer Comment (2025-06-27): Will be waived upon receipt of the approval for a duplex with ADU from the county is received. Required per lender exception. per lender exception. |  |  | 06/27/2025 | 2 | B | B | B | B | B | B | B | B | B | B | xx | CA | Investment | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | N/A | No |
| 12025050955 | XX | XX | XX |  | 34474924 | 12025050955-25838 | 06/27/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XX Insurance Verification, Statement | The file is missing mortgage statement, insurance and tax verifications for the XX property. |  |  |  | Reviewer Comment (2025-07-16): Received<br>Buyer Comment (2025-07-14): tax cert<br>Buyer Comment (2025-07-14): Ins dec page<br>Buyer Comment (2025-07-14): mtg statement | 07/16/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | N/A | No |
| 12025050955 | XX | XX | XX |  | 34474925 | 12025050955-29639 | 06/27/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing third party income verification for XX |  |  |  | Reviewer Comment (2025-07-16): Evidence of PITIN and missing REO docs received in trailing docs.<br>Buyer Comment (2025-07-14): see attached<br>Reviewer Comment (2025-07-11): Please provide evidence of PTIN license for individual who completed third party verification letters.<br>Buyer Comment (2025-07-09): see attached | 07/16/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | CA | Investment | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | N/A | No |
| 12025051453 | XX | XX | XX |  | 34474929 | 12025051453-6459 | 06/26/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX | There are red flags on the fraud report that have not been addressed. |  |  |  | Reviewer Comment (2025-07-02): clear<br>Buyer Comment (2025-07-01): Please find initial & final fraud guard attached. Thank you. | 07/02/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Primary | Refinance - Rate/Term |  | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025032287 | XX | XX | XX |  | 34474931 | 12025032287-34957 | 06/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-5,005.00 exceeds tolerance of $-7,865.00. Insufficient or no cure was provided to the borrower. (9300) | Changed Circumstance already provided dated 06/XX/2025 #XX for Lender Credit |  |  |  | Reviewer Comment (2025-07-08): SitusAMC received a valid COC.<br>Buyer Comment (2025-07-03): 07/03-Please see attached Rate Lock. The 06/xx COC form shows that the CDFI was removed, resulting in the lender decrease<br>Reviewer Comment (2025-07-03): SitusAMC received COC dated 06/XX/2024. But is does not give sufficient information on why the lender credit decreased. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in the pricing changed. Provide additional information to support a pricing change for the lender credit decrease or cure would be due.<br>Buyer Comment (2025-07-02): Please see the attached COC, CD, Lock Confirmation and EOR<br>Reviewer Comment (2025-07-02): SitusAMC received rebuttal comment that cure was provided on final CD however, there is not cure on CD. The lender credit was decreased from $7865 (baseline) to $5005 on CD dated 06/13. The COC dated 06/12 in file does not have sufficient information as to why lender credit was decreased. Please provide more information to validate the change or cure would be due to borrower.<br>Buyer Comment (2025-07-01): 07/01-Please see attached Final CD reflecting Section J cure-no additional cure required | 07/08/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025032287 | XX | XX | XX |  | 34474934 | 12025032287-3831 | 06/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide evidence that the CPA has no affiliation with the borrower or the business. |  |  |  | Reviewer Comment (2025-07-08): Cleared.<br>Reviewer Comment (2025-07-07): The verbiage states no contractual relationship. It does not verify no personal affiliation between the 2 parties.<br>Buyer Comment (2025-07-02): Please see attached referencing the following section of the CPA letter provided during initial upload stating no relationship | 07/08/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | TX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025060359 | XX | XX | XX |  | 34474956 | 12025060359-3831 | 07/02/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrowers (married) living rent-free with Borrower 2's mother since 02/XX/2024. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reserves: 26.41<br> Guideline Requirement: 6.00<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $11,856.22 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-07-02): Waived with compensating factors per lender exception approval at origination. |  |  | 07/02/2025 | 2 | B | B | B | B | B | B | B | B | B | B | xx | CA | Primary | Purchase |  | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025050377 | XX | XX | XX |  | 34474959 | 12025050377-5404 | 07/02/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XX Third Party Verification | The file is missing the lease agreement to verify the rental income. Also the file is missing third party verification of employment within (20) business days of the Note date. |  |  |  | Reviewer Comment (2025-07-10): Received third party verification and lease agreement for additional REO.<br>Buyer Comment (2025-07-08): SOS<br>Buyer Comment (2025-07-08): Final VVOE<br>Buyer Comment (2025-07-08): lease | 07/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025050377 | XX | XX | XX |  | 34474960 | 12025050377-3831 | 07/02/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide evidence that the CPA has no affiliation with the borrower or the business. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-16): Waived with compensating factors per lender request.<br>Buyer Comment (2025-07-14): yes please waive due to post-dated<br>Reviewer Comment (2025-07-14): Document provided is dated post-consummation. Please confirm that you are asking for this to be waived, as there is comments asking to waive and then comments stating CPA letter provided.<br>Buyer Comment (2025-07-14): revised cpa letter<br>Buyer Comment (2025-07-10): Lender accepts. Please waive with available compensating factors |  |  | 07/16/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xx | FL | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025050377 | XX | XX | XX |  | 34474961 | 12025050377-29639 | 07/02/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing the lease agreement to verify the rental income. Also the file is missing third party verification of employment within (20) business days of the Note date. |  |  |  | Reviewer Comment (2025-07-10): Received third party verification and lease agreement for additional REO.<br>Buyer Comment (2025-07-08): see attached docs | 07/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025051221 | XX | XX | XX |  | 34474964 | 12025051221-25838 | 07/03/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: 1XX<br> Statement<br> Statement | Mortgage statements are missing for mentioned properties address. |  |  |  | Reviewer Comment (2025-07-16): All required REO documents received<br>Buyer Comment (2025-07-14): tax XX<br>Buyer Comment (2025-07-14): XX<br>Buyer Comment (2025-07-14): XXVOM<br>Buyer Comment (2025-07-14): XX was purchased after our note date<br>Buyer Comment (2025-07-14): XX was purchased after our note date.<br>Reviewer Comment (2025-07-11):XXproeprty is cleared. We need documentation dated prior to closing for the remaining properties.<br>Buyer Comment (2025-07-09): XX loan has not closed yet<br>Buyer Comment (2025-07-09): XX<br>Buyer Comment (2025-07-09): XX<br>Buyer Comment (2025-07-09): XX | 07/16/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Investment | Purchase |  | C | A | C | A | A | A | A | A | Exempt from ATR | N/A | No |
| 12025052369 | XX | XX | XX |  | 34475000 | 12025052369-4433 | 07/08/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 06/XX/2025 incorrectly disclosed whether the loan will have an escrow account. (Final/XX/17/2025) | Reason to not have escrow box is unchecked on final closing disclosure. |  |  |  | Reviewer Comment (2025-07-17): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-07-16): PFA LOE<br>Reviewer Comment (2025-07-15): Situsamc Received Corrected PCCD ; however, LOE not received. Please provide LOE showing the changes made on PCCD.<br>Buyer Comment (2025-07-14): PFA updated PC-CD, and we already have Impound Auth Sign form<br>Reviewer Comment (2025-07-11): SitusAMC received CD dated 6/XX/2025 with the correction. However, we would require correction to be made on Post CD along with LOX in order to cure the exception.<br>Buyer Comment (2025-07-11): PFA Impound Auth form signed<br>Buyer Comment (2025-07-10): Please see attached PC-CD, with Reason |  | 07/17/2025 |  | 2 | C | B | C | B | C | B | C | B | C | B | xx | FL | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025052369 | XX | XX | XX |  | 34475001 | 12025052369-3831 | 07/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence the CPA is duly licensed. |  |  |  | Reviewer Comment (2025-07-14): Received evidence CPA license (CTEC)<br>Buyer Comment (2025-07-10): CTEC | 07/14/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | FL | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| 12025050600 | XX | XX | XX |  | 34475028 | 12025050600-7038 | 07/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/24/2025) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-07-17): SitusAMC received signed CD dated 06/XX/2025<br>Buyer Comment (2025-07-16): Please see attached signed CD dated 06/24<br>Reviewer Comment (2025-07-16): SitusAMC received document, however it doesn't provide information when the borrower received the CD. Please provide the CD issued to borrower 3 days prior to consummation for review.<br>Buyer Comment (2025-07-15): Please see attached audit history of CD dated 06/24 | 07/17/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A | xx | TX | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **Run Date - 9/XX/2025 8:31:09 PM** | **Run Date - 9/XX/2025 8:31:09 PM** | **Run Date - 9/XX/2025 8:31:09 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ASF Loan Number | **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 12025030797 | XX | XX | XX |  | XX | XX |  | XX |  | XX | 11.690% | XX | 3/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 2/XX/2025 | 1/XX/2025 | Appraisal | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025021845 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2025 | 3/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 12025022088 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 3/XX/2025 | 3/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025031129 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025042189 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 400089416 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 11/XX/2024 | 10/XX/2024 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.40 |
| 400094443 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 11/XX/2024 | 11/XX/2024 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 400091108 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 11/XX/2024 | 11/XX/2024 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 12/XX/2024 | 11/XX/2024 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.70 |
| 400095900 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 9/XX/2024 | 9/XX/2024 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 12/XX/2024 | 9/XX/2024 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 400093743 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 11/XX/2024 | 10/XX/2024 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| 400093632 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 12/XX/2024 | 12/XX/2024 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 400091279 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 9/XX/2024 | 9/XX/2024 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 9/XX/2024 | 9/XX/2024 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 400103303 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 1/XX/2025 | 1/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 2/XX/2025 | 1/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| 400103323 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 2/XX/2025 | 2/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 400103257 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2025 | 2/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 400103316 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 2/XX/2025 | 2/XX/2025 | Appraisal | XX | XX | XX |  | XX | XX | 1.820% | 2/XX/2025 | 2/XX/2025 | Appraisal | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 400104764 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 400104748 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 2/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 2/XX/2025 | 2/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| 400104737 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 400104734 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 3/XX/2025 | 3/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 |
| 400090935 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 11/XX/2024 | 11/XX/2024 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 400093689 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 10/XX/2024 | 10/XX/2024 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 10/XX/2024 | 10/XX/2024 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 400103320 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2025 | 2/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 400103240 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 2/XX/2025 | 2/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 400103248 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 12/XX/2024 | 12/XX/2024 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 1/XX/2025 | 12/XX/2024 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 400103309 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 2/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025020858 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 2/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025041018 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 12025032271 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 12025041443 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2025 | 3/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025041771 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | XX | -4.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025041923 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025040736 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 12025021853 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2025 | 2/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 2/XX/2025 | Field Review | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025042109 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 12025051328 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 12025041183 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 12025031411 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | XX | 1.710% | 2/XX/2025 | 2/XX/2025 | Appraisal | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025051354 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 12025050282 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 12025041165 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025042091 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025051337 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | XX | -3.470% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025050778 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 12025042125 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| 12025051550 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 12025040289 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025052626 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.90 |
| 12025020012 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025042409 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 32025051897 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025030471 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2025 | 3/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 12025050860 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 12025051840 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025060467 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 12025051292 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025051014 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 12025052434 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 12025052176 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025060270 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 12025051839 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025032203 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2025 | 3/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 12025060575 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025050563 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 12025040972 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| 12025041046 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 12025052348 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | XX | -0.150% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 12025052451 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025050990 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 12025051368 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025052501 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 12025060330 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025052756 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | XX | -9.170% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025042044 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025052093 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025040823 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025052513 | XX | XX | XX |  | XX | XX |  | XX |  | XX | 16.670% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| 12025052687 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025052830 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025040748 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025052587 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025060266 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025051690 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025051346 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025060948 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 12025052879 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025050339 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX |  |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025060877 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | AR042911 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025052581 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | RD1742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 12025052272 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 1360963 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025020022 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2025 | 2/XX/2025 | Appraisal | XX | XX | AR035768 |  | XX | XX | 13.230% | 2/XX/2025 | 2/XX/2025 | Appraisal | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 12025020129 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2025 | 12/XX/2024 | Appraisal | XX | XX | 3707 |  | XX | $0.00 | 0.000% | 2/XX/2025 | 12/XX/2024 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025032614 | XX | XX | XX |  | XX | XX |  | XX |  | XX | 2.500% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | RD3549 |  | XX | $0.00 | 0.000% | 4/XX/2025 | 4/XX/2025 | Appraisal | XX |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Low | 4/XX/2025 | 4/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| 12025050236 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 1350800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 12025051307 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 1016363 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025041859 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | 45000040583 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025032710 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | AR042041 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025050793 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 2/XX/2025 | Appraisal | XX | XX | TX 1332156 R |  | XX | $0.00 | 0.000% | 5/XX/2025 | 2/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| 12025042005 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 1333284 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025052077 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | 1361183 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025040895 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | RD2360 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 3/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025052837 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | 3004239 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025061250 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | CR335863 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025052280 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | AR042911 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 12025040899 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | RD6571 |  | XX | $0.00 | 0.000% | 4/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025041463 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 556.003980 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| 12025052643 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RL139968 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 32025050620 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RD6841 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 12025051223 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | RD6571 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025050122 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | 2095-9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 12025050867 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | A8627 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025050445 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 1047194 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| 12025041778 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | RD6935 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025060184 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | 7501 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025052645 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | CR60500109 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 12025050068 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | AR035074 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 12025052594 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | CR200003290 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 12025060965 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | 21094 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 32025052803 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | A8483 |  | XX | XX | -7.140% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.30 |
| 12025060770 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | AR003239 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| 12025060355 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | AR035100 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025060642 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | RD5066 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 32025051498 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RCR.0001634 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 12025010717 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2025 | 1/XX/2025 | Appraisal | XX | XX | 2023005338 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 1/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 12025060688 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | RZ3587 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025061110 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | RD3865 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 12025030307 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | 3306 |  | XX | $0.00 | 0.000% | 3/XX/2025 | 3/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 12025030310 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2025 | 2/XX/2025 | Appraisal | XX | XX | 6415 |  | XX | $0.00 | 0.000% | 3/XX/2025 | 2/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 12025041448 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | 11808 |  | XX | $0.00 | 0.000% | 4/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025041453 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | 30029212 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 3/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025041419 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | 30029212 |  | XX | $0.00 | 0.000% | 4/XX/2025 | 3/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025041256 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | 556.005274 |  | XX | $0.00 | 0.000% | 4/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025040434 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | 3009950 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025041300 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | 556.005274 |  | XX | $0.00 | 0.000% | 4/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025041724 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | 3682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 12025031108 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 1360207 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025041950 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RD4898 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| 12025050315 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | X3-0010321 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025030172 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RD8997 |  | XX | XX | -3.050% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| 12025051688 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 1360919 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 12025050606 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 4001018224 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025050682 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RL140384 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025041133 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | A9055 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 12025041136 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | A9055 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 12025041075 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | A9055 |  | XX | XX | -3.020% | 4/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025051051 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 3004621 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025041138 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | A9055 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025050307 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RD6744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025041381 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | RD7935 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 12025040873 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | 1380516 |  | XX | $0.00 | 0.000% | 4/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| 12025051567 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 1700163 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025051752 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 45000044224 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 32025031412 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | 2155-9 |  | XX | $0.00 | 0.000% | 3/XX/2025 | 3/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 12025050132 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | RL140380 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025050293 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | CRA-1031890 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025040738 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | RD8590 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 12025041715 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 1380516 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025050125 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RD4102 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 12025051541 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RZ3034 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025040685 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | RD8590 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| 12025032020 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | 03402-R |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| 12025051194 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | CR00431 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025050159 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 2020032047 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025050721 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 20034672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025042776 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RL139461 |  | XX | XX | -7.260% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025041884 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | RL140177 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025050905 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 5862 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025050135 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 47000049040 |  | XX | $0.00 | 0.000% | 7/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025051520 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | AR040978 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| 12025032490 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | 1361248 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025051409 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RZ4384 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 12025051512 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | A4857 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 12025050868 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RL139968 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 12025032557 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | 1360315 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025051551 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RD7363 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025031057 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RD6914 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 12025050011 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 2019007226 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| 12025050607 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 42RC00283400 |  | XX | XX | -6.980% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025050390 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | CR309451 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 12025042020 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 4126 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 12025040161 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | 42RC00192200 |  | XX | $0.00 | 0.000% | 4/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025051033 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 1337195 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025042716 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | 556.005101 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025040359 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | 45000049580 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025052142 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | CR282163 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025021334 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | 45000043895 |  | XX | XX | -5.880% | 3/XX/2025 | 3/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025051118 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RD2191 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025050382 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RD7734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025040181 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | 45000041706 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025051863 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 1702323 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 12025050005 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 42RC00292000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025051164 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | 30004934 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025050568 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RD5691 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025051387 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RD7655 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 12025051401 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 2020032047 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| 12025051163 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 1702937 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 12025051037 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | 2731 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025030826 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 2/XX/2025 | Appraisal | XX | XX | 45000045347 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 2/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025052463 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RD8248 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 12025032570 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | RD7935 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025051294 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RD8302 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| 12025030405 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | 556.003430 |  | XX | $0.00 | 0.000% | 4/XX/2025 | 3/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025031730 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 1223 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 12025051637 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RD4615 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025052049 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 46000046484 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025050748 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 13174SLA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 32025050299 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 1999140236 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 32025051662 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RCR.0001191 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.50 |
| 32025051249 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RA003299 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| 12025051418 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RCR.0000078 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 12025051866 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 5407 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025050292 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 45000053348 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 12025031560 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | 45000039785 |  | XX | XX | -4.260% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025051675 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 1350524 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025050531 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RD8307 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025051270 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RD5823 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 12025051252 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RD5823 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 12025051233 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | CR1323272 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| 12025050506 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | AR033688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025052722 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | RCR.0001458 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025052604 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | AR034946 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025031220 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2025 | 2/XX/2025 | Appraisal | XX | XX | 1338095 |  | XX | $0.00 | 0.000% | 3/XX/2025 | 2/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025011233 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 12/XX/2024 | 12/XX/2024 | Appraisal | XX | XX | 1039981 |  | XX | $0.00 | 0.000% | 4/XX/2025 | 12/XX/2024 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.40 |
| 12025051599 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 24000727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025040917 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 12/XX/2024 | 12/XX/2024 | Appraisal | XX | XX | RD8998 |  | XX | $0.00 | 0.000% | 4/XX/2025 | 12/XX/2024 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 12025042186 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 1361148 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 12025050279 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | A7469 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025050861 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 3010544 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025042529 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | A7965 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025030971 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | RD3343 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 12025050401 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | CR40041829 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 12025050886 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 12/XX/2024 | 12/XX/2024 | Appraisal | XX | XX | AR032531 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 12/XX/2024 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 12025041782 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RD7251 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 12025051189 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | A.0000317-CR |  | XX | $0.00 | 0.000% | 6/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025031752 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | REA-RAR-LIC-12066 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 12025052598 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 1360983 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 32025042092 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | CRA.0A00357 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.60 |
| 12025051865 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | RD6256 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 12025051873 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | AG033323 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 12025051992 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | 1335073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 12025052131 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | AR019120 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 12025050955 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | AR032378 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025051453 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | RD6692 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025032287 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | TX 1361054 R |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 12025060359 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | 3006978 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 12025050377 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | RD6831 |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 12025051221 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | RD8006 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| 12025052141 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | 6234621-CR00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 12025052369 | XX | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | RD3683 |  | XX | XX | 4.100% | 6/XX/2025 | 6/XX/2025 | Appraisal | XX |  |  |  |  |  |  |  |  | XX | XX | 4.100% | XX | Low | 6/XX/2025 | 6/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| 12025051200 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | RL139968 |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 12025050600 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | 1342886 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | ![](ex99-1sch4_001.jpg) | ![](ex99-1sch4_001.jpg) | ![](ex99-1sch4_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **ASF Addendum - Business Purpose** | **ASF Addendum - Business Purpose** | **ASF Addendum - Business Purpose** | **ASF Addendum - Business Purpose** | **ASF Addendum - Business Purpose** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **Run Date - 9/22/2025 8:31:11 PM** | **Run Date - 9/22/2025 8:31:11 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ASF Loan Number | **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 3 Country Name** | **Borrower 3 Asset Verification Level** | **Borrower 3 Credit Order Date** | **Borrower 3 Experian FICO** | **Borrower 3 Experian FICO Model Used** | **Borrower 3 Equifax FICO** | **Borrower 3 Equifax FICO Model Used** | **Borrower 3 TransUnion FICO** | **Borrower 3 TransUnion FICO Model Used** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Number of Mortgaged Properties** | **Borrower 4 Citizenship** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Borrower 4 Country Name** | **Borrower 4 Asset Verification Level** | **Borrower 4 Credit Order Date** | **Borrower 4 Experian FICO** |
| 12025021845 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1900.00 | 1004/70 | $1900.00 | Third Party Rental Source | $1384.55 |  | 0.000000 | 0.73 |  |  | 1.37 | 1.37 | $1384.55 |  |  | No |  |  |  | Long Term |  | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $24400.00 | No |  | $187.20 | $225.25 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 0.42 |  |  | 767 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025022088 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2000.00 | 1004/70 | $2000.00 | Third Party Rental Source | $1740.26 |  | 0.000000 | 0.87 |  |  | 1.15 | 1.15 | $1740.26 |  |  | No |  |  |  | Long Term |  | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $85.29 | $103.02 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.21 |  |  | 743 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025031129 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $4200.00 | 1025/72 | $4200.00 | Third Party Rental Source | $4042.18 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | $4042.18 |  |  | No |  |  |  | Long Term |  | $2100.00 | No |  |  |  | Long Term |  | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $30000.00 | No |  | $265.70 | $223.64 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | Experienced Investor | 0.42 |  |  | 770 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025042189 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $6000.00 | 1025/72 | $6000.00 | Third Party Rental Source | $5057.43 |  | 0.000000 | 0.84 |  |  | 1.19 | 1.19 | $5057.43 |  |  | No |  |  |  | Long Term |  | $2000.00 | No |  |  |  | Long Term |  | $2200.00 | No |  |  |  | Long Term |  | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $343.02 | $347.67 | Level 3-Stated/Partially Verified | No | 1 | 6 | No |  |  | Experienced Investor | 5.43 |  |  | 815 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400091108 | XX | XX | XX |  |  | XX | XX | XX | 5/XX/2024 | Yes |  |  |  |  |  |  |  | $3148.33 |  | 0.282059 |  |  |  |  |  | $3148.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $150.00 | $122.24 | $45.42 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 762 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 09/23/2024 | 777 | Fair Isaac (VER. 2) | 752 | FICO Classic V5 Facta | 762 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400095900 | XX | XX | XX |  |  | XX | XX | XX | 5/XX/2024 | Yes |  |  |  |  |  |  |  | $15615.27 |  | 0.495874 |  |  |  |  |  | $15615.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $281.19 | $308.75 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  | 2.50 | US Citizen | US Citizen | 674 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 11/19/2024 | 658 | Fair Isaac (VER. 2) | 674 | FICO Classic V5 Facta | 701 | FICO Risk Score Classic 04 | Individual | Individual | Employed | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 11/19/2024 | 690 | Fair Isaac (VER. 2) | 674 | FICO Classic V5 Facta | 696 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400091279 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | No |  |  |  |  |  |  |  | $2619.79 |  | 0.318248 |  |  |  |  |  | $2619.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $116.67 | $214.22 | $133.00 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | Non-Permanent Resident Alien |  | 726 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 1 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 09/16/2024 | 726 | FICO II | 726 | Beacon 5 | 651 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400104748 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2025 | Yes |  |  |  |  |  |  |  | $3958.78 |  | 0.432289 |  |  |  |  |  | $3958.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $281.33 | $161.19 | $158.08 | Level 2-Stated/Not Verified |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 797 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | 01/13/2025 | 790 | Fair Isaac (VER. 2) | 781 | FICO Classic V5 Facta | 781 | FICO Risk Score Classic 04 | Individual | Individual | Employed | XX | XX | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | 01/13/2025 | 797 | Fair Isaac (VER. 2) | 790 | FICO Classic V5 Facta | 800 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400090935 | XX | XX | XX |  |  | XX | XX | XX | 10/XX/2024 | Yes | No | Long Term |  | $2790.00 | 1004/70 | $2790.00 | Third Party Rental Source | $1596.51 |  | 0.000000 | 0.57 |  |  | 1.75 | 1.75 | $1596.51 |  |  | No |  |  |  | Long Term |  | $2790.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | Yes | $33.33 | $572.77 | $158.75 | Level 4-Stated/Verified as defined | No | 1 | 2 | Yes | Yes |  | Experienced Investor |  | Foreign National |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400093689 | XX | XX | XX |  |  | XX | XX | XX | 9/XX/2024 | Yes | No | Long Term |  | $1800.00 | 1004/70 | $1800.00 | Third Party Rental Source | $1422.01 |  | 0.000000 | 0.79 |  |  | 1.27 | 1.27 | $1422.01 |  |  | No |  |  |  | Long Term |  | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $18446.00 | No |  | $334.07 | $90.84 | Level 4-Stated/Verified as defined | No | 1 | 11 | No | No |  | Experienced Investor |  | Permanent Resident Alien |  | 779 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 10/23/2024 | 780 | Fair Isaac (VER. 2) | 779 | Beacon 5 | 669 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400103320 | XX | XX | XX |  |  | XX | XX | XX | 2/XX/2025 | Yes | Yes | Long Term | $1725.00 | $1400.00 | 1004/70 | $1400.00 | Third Party Rental Source | $1160.12 |  | 0.000000 | 0.83 |  |  | 1.21 | 1.21 | $1160.12 |  |  | Yes | 04/01/2024 | 03/31/2025 | 12 | Long Term | $1725.00 | $1400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $244.06 | $40.17 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  | No | Experienced Investor | 2.47 |  | US Citizen | 765 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 02/11/2025 | 773 | Fair Isaac (VER. 2) | 762 | FICO Classic V5 Facta | 765 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400103240 | XX | XX | XX |  |  | XX | XX | XX | 10/XX/2024 | Yes | No | Long Term |  | $1700.00 | 1073/465 | $1700.00 | Third Party Rental Source | $1691.83 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $1691.83 |  |  | No |  |  |  | Long Term |  | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $8000.00 | Yes | $335.00 | $185.47 | $49.18 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 774 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 01/15/2025 | 747 | Fair Isaac (VER. 2) | 742 | FICO Classic V5 Facta | 755 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | 02/03/2025 | 774 | Fair Isaac (VER. 2) | 781 | FICO Classic V5 Facta | 694 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400103248 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2025 | Yes | Yes | Long Term | $12250.00 | $10000.00 | 1025/72 | $10000.00 | Third Party Rental Source | $5113.20 |  | 0.000000 | 0.51 |  |  | 1.96 | 1.96 | $5113.20 |  |  | Yes | 07/01/2024 | 07/01/2025 | 12 | Long Term | $6050.00 | $5000.00 | Yes | 04/01/2023 | 05/01/2025 | 25 | Long Term | $6200.00 | $5000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $47050.00 | No |  | $789.30 | $435.50 | Level 4-Stated/Verified as defined | No | 1 | 8 | No | No |  | Experienced Investor |  | US Citizen |  | 749 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 01/13/2025 | 749 | Fair Isaac (VER. 2) | 751 | FICO Classic V5 Facta | 717 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400103309 | XX | XX | XX |  |  | XX | XX | XX | 2/XX/2025 | Yes | No | Long Term |  | $2350.00 | 1004/70 | $2350.00 | Third Party Rental Source | $2291.19 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | $2291.19 |  |  | No |  |  |  | Long Term |  | $2350.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $28560.00 | No |  | $166.31 | $215.33 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | First-Time Investor |  |  |  | 793 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025020858 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $4000.00 | 1073/465 | $7000.00 | Multiple Sources | $6878.92 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $6878.92 |  |  | No |  |  |  | Long Term |  | $4000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $51400.00 | Yes | $400.00 | $989.48 | $262.41 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 713 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 02/05/2025 | 713 | FICO II | 688 | Beacon 5 | 731 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041018 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $3450.00 | 1004/70 | $3450.00 | Third Party Rental Source | $4476.12 |  | 0.000000 | 1.3 |  |  | 0.77 | 0.77 | $4476.12 |  |  | No |  |  |  | Long Term |  | $3450.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $75000.00 | No |  | $367.06 | $227.34 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor |  |  |  | 749 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025032271 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $5890.00 | 1004/70 | $5890.00 | Third Party Rental Source | $7590.19 |  | 0.000000 | 1.29 |  |  | 0.78 | 0.78 | $7590.19 |  |  | No |  |  |  | Long Term |  | $5890.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $43720.00 | Yes | $900.00 | $1409.43 | $291.42 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 1.42 | US Citizen |  | 733 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/25/2025 | 734 | Fair Isaac (VER. 2) | 729 | FICO Classic V5 Facta | 733 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041443 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1700.00 | 1004/70 | $1700.00 | Third Party Rental Source | $1419.76 |  | 0.000000 | 0.84 |  |  | 1.20 | 1.2 | $1419.76 |  |  | No |  |  |  | Long Term |  | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $16000.00 | No |  | $251.83 | $72.83 | Level 3-Stated/Partially Verified | No | 1 | 2 | No |  |  | Experienced Investor | 0.65 |  |  | 778 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041771 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2600.00 | 1025/72 | $2600.00 | Third Party Rental Source | $1582.35 |  | 0.000000 | 0.61 |  |  | 1.64 | 1.64 | $1582.35 |  |  | No |  |  |  | Long Term |  | $1300.00 | No |  |  |  | Long Term |  | $1300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $273.79 | $72.00 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | Experienced Investor |  |  |  | 791 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041923 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $5300.00 | 1025/72 | $5300.00 | Third Party Rental Source | $3121.12 |  | 0.000000 | 0.59 |  |  | 1.70 | 1.7 | $3121.12 |  |  | No |  |  |  | Long Term |  | $1800.00 | No |  |  |  | Long Term |  | $1800.00 | No |  |  |  | Long Term |  | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $40000.00 | No |  | $396.39 | $225.12 | Level 1-Not Stated/Not Verified | No | 1 | 3 | No |  |  | Experienced Investor |  |  |  | 751 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040736 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $6700.00 | 1025/72 | $6700.00 | Third Party Rental Source | $4831.69 |  | 0.000000 | 0.72 |  |  | 1.39 | 1.39 | $4831.69 |  |  | No |  |  |  | Long Term |  | $3200.00 | No |  |  |  | Long Term |  | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $647.67 | $243.75 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor | 0.07 | US Citizen |  | 712 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/08/2025 | 731 | Fair Isaac (VER. 2) | 712 | FICO Classic V5 Facta | 708 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025021853 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $12350.00 | $12500.00 | 1025/72 | $12500.00 | Third Party Rental Source | $9756.76 |  | 0.000000 | 0.78 |  |  | 1.28 | 1.28 | $9756.76 |  |  | Yes |  |  |  | Long Term | $4500.00 | $4500.00 | Yes |  |  |  | Long Term | $4250.00 | $4000.00 | Yes |  |  |  | Long Term | $3600.00 | $4000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $100000.00 | No |  | $784.76 | $332.42 | Level 4-Stated/Verified as defined | No | 3 | 7 | No |  |  | Experienced Investor | 2.03 |  |  | 776 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025042109 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1630.00 | 1004/70 | $1630.00 | Third Party Rental Source | $1541.66 |  | 0.000000 | 0.95 |  |  | 1.06 | 1.06 | $1541.66 |  |  | No |  |  |  | Long Term |  | $1630.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $330.05 | $150.50 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 24.61 |  |  | 794 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051328 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2750.00 | 1004/70 | $2750.00 | Third Party Rental Source | $2575.56 |  | 0.000000 | 0.94 |  |  | 1.07 | 1.07 | $2575.56 |  |  | No |  |  |  | Long Term |  | $2750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $33500.00 | No |  | $596.32 | $173.67 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 782 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/08/2025 | 782 | Fair Isaac (VER. 2) | 764 | FICO Classic V5 Facta | 789 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041183 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Not Provided |  | $8800.00 | 1004/70 | $8800.00 | Third Party Rental Source | $6958.43 |  | 0.000000 | 0.79 |  |  | 1.26 | 1.26 | $6958.43 |  |  | No |  |  |  | Not Provided |  | $8800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $214000.00 | No |  | $1335.00 | $1273.01 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 1.28 |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025031411 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $3500.00 | 1004/70 | $3500.00 | Third Party Rental Source | $4110.72 |  | 0.000000 | 1.17 |  |  | 0.85 | 0.85 | $4110.72 |  |  | No |  |  |  | Long Term |  | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $690.00 | $108.25 | Level 3-Stated/Partially Verified | No | 1 | 1 | No |  |  | Experienced Investor | 2.81 |  |  | 788 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051354 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1700.00 | 1004/70 | $1700.00 | Third Party Rental Source | $1554.57 |  | 0.000000 | 0.91 |  |  | 1.09 | 1.09 | $1554.57 |  |  | No |  |  |  | Long Term |  | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $625.00 | Yes | $386.00 | $102.16 | $55.83 | Level 4-Stated/Verified as defined | No | 1 | 6 | No | No | No | Experienced Investor | 0.05 | US Citizen | US Citizen | 816 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/08/2025 | 600 | Fair Isaac (VER. 2) | 594 | FICO Classic V5 Facta | 637 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/09/2025 | 816 | Fair Isaac (VER. 2) | 816 | FICO Classic V5 Facta | 798 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050282 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1700.00 | 1004/70 | $1700.00 | Third Party Rental Source | $1601.55 |  | 0.000000 | 0.94 |  |  | 1.06 | 1.06 | $1601.55 |  |  | No |  |  |  | Long Term |  | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $30000.00 | Yes | $229.00 | $161.83 | $62.08 | Level 4-Stated/Verified as defined | No | 1 | 1 | Yes | Yes |  | Experienced Investor |  | Foreign National |  | 788 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined | 04/22/2025 | 788 | Fair Isaac (VER. 2) |  |  | 798 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041165 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $5850.00 | $5850.00 | 1025/72 | $5850.00 | Rent on Existing Lease | $5121.20 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | $5121.20 |  |  | Yes | 01/01/2025 | 01/01/2026 | 12 | Long Term | $2100.00 | $2100.00 | Yes | 01/01/2025 | 01/01/2026 | 12 | Long Term | $1850.00 | $1850.00 | Yes | 01/01/2025 | 01/01/2026 | 12 | Long Term | $1900.00 | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $25000.00 | No |  | $602.88 | $195.09 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 4.33 |  |  | 779 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025042091 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $3000.00 | 1073/465 | $3000.00 | Third Party Rental Source | $2925.86 |  | 0.000000 | 0.98 |  |  | 1.03 | 1.03 | $2925.86 |  |  | No |  |  |  | Long Term |  | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $1200.00 | Yes | $652.72 | $289.64 | $120.67 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 739 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/16/2025 | 798 | Fair Isaac (VER. 2) | 729 | FICO Classic V5 Facta | 739 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051337 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2600.00 | 1025/72 | $2600.00 | Third Party Rental Source | $2015.53 |  | 0.000000 | 0.78 |  |  | 1.29 | 1.29 | $2015.53 |  |  | No |  |  |  | Long Term |  | $1300.00 | No |  |  |  | Long Term |  | $1300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $575.00 | $113.42 | Level 3-Stated/Partially Verified | No | 1 | 0 | No |  |  | Experienced Investor |  |  |  | 726 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050778 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $3850.00 | $2472.00 | 1004/70 | $2472.00 | Third Party Rental Source | $2445.97 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $2445.97 |  |  | Yes | 04/01/2025 | 04/01/2026 | 12 | Long Term | $3850.00 | $2472.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $153.20 | $136.87 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 0.59 |  |  | 745 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025042125 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $4500.00 | 1004/70 | $4500.00 | Third Party Rental Source | $4986.25 |  | 0.000000 | 1.11 |  |  | 0.90 | 0.9 | $4986.25 |  |  | No |  |  |  | Long Term |  | $4500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | No |  | $359.81 | $276.02 | Level 4-Stated/Verified as defined | No | 1 | 5 | No |  |  | Experienced Investor | 1.82 |  |  | 780 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Corp | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051550 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $3500.00 | $2400.00 | 1004/70 | $3500.00 | Rent on Existing Lease | $3258.17 |  | 0.000000 | 0.93 |  |  | 1.07 | 1.07 | $3258.17 |  |  | Yes | 06/01/2025 | 05/30/2026 | 11 | Long Term | $3500.00 | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $33.00 | $224.50 | $107.56 | Level 4-Stated/Verified as defined | No | 1 | 13 | No | No |  | Experienced Investor | 4.37 | US Citizen |  | 735 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 9 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/28/2025 | 734 | FICO II | 735 | Beacon 5 | 738 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040289 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $4400.00 | $2750.00 | 1004/70 | $2750.00 | Third Party Rental Source | $2620.50 |  | 0.000000 | 0.95 |  |  | 1.05 | 1.05 | $2620.50 |  |  | Yes | 03/15/2025 | 03/14/2027 | 24 | Long Term | $4400.00 | $2750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $54600.00 | No |  | $320.85 | $143.75 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 0.35 |  |  | 800 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052626 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $3200.00 | 1004/70 | $3200.00 | Third Party Rental Source | $4090.37 |  | 0.000000 | 1.28 |  |  | 0.78 | 0.78 | $4090.37 |  |  | No |  |  |  | Long Term |  | $3200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $60800.00 | No |  | $622.92 | $176.83 | Level 3-Stated/Partially Verified | No | 1 | 3 | No | No | No | Experienced Investor |  | US Citizen | Permanent Resident Alien | 791 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 04/28/2025 | 773 | Fair Isaac (VER. 2) | 756 | FICO Classic V5 Facta | 771 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 1 | Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | 04/28/2025 | 792 | Fair Isaac (VER. 2) | 790 | FICO Classic V5 Facta | 791 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025020012 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2600.00 | 1073/465 | $2600.00 | Third Party Rental Source | $3202.67 |  | 0.000000 | 1.23 |  |  | 0.81 | 0.81 | $3202.67 |  |  | No |  |  |  | Long Term |  | $2600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $35000.00 | Yes | $346.00 | $692.50 | $57.92 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.07 |  |  | 769 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025042409 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2200.00 | 1004/70 | $2200.00 | Third Party Rental Source | $2489.69 |  | 0.000000 | 1.13 |  |  | 0.88 | 0.88 | $2489.69 |  |  | No |  |  |  | Long Term |  | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $262.67 | $77.78 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  |  | Experienced Investor |  |  |  | 703 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 32025051897 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $3200.00 | $3400.00 | 1025/72 | $3200.00 | Rent on Existing Lease | $2633.66 |  | 0.000000 | 0.82 |  |  | 1.22 | 1.22 | $2633.66 |  |  | Yes |  |  |  | Long Term | $1700.00 | $1700.00 | Yes |  |  |  | Long Term | $1500.00 | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $593.67 | $153.58 | Level 3-Stated/Partially Verified | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 762 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 04/25/2025 | 779 | Fair Isaac (VER. 2) | 728 | FICO Classic V5 Facta | 762 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025030471 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $2300.00 | $4650.00 | 1025/72 | $4650.00 | Third Party Rental Source | $4610.61 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $4610.61 |  |  | No |  |  |  | Long Term |  | $2200.00 | Yes | 11/15/2024 | 10/31/2025 | 11 | Long Term | $2300.00 | $2450.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $42219.00 | No |  | $293.64 | $38.51 | Level 3-Stated/Partially Verified | No | 1 | 3 | No |  |  | Experienced Investor | 3.41 |  |  | 758 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050860 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $4500.00 | $4200.00 | 1004/70 | $4200.00 | Third Party Rental Source | $5222.18 |  | 0.000000 | 1.24 |  |  | 0.80 | 0.8 | $5222.18 |  |  | Yes | 07/01/2024 | 04/01/2025 | 9 | Long Term | $4500.00 | $4200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $218400.00 | No |  | $1056.36 | $379.58 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor | 10.61 | US Citizen |  | 722 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 6 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/28/2025 | 722 | Fair Isaac (VER. 2) | 692 | FICO Classic V5 Facta | 728 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051840 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2500.00 | 1004/70 | $2500.00 | Third Party Rental Source | $2345.64 |  | 0.000000 | 0.94 |  |  | 1.07 | 1.07 | $2345.64 |  |  | No |  |  |  | Long Term |  | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $17000.00 | No |  | $350.75 | $90.25 | Level 3-Stated/Partially Verified | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 812 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/20/2025 | 815 | Fair Isaac (VER. 2) | 812 | FICO Classic V5 Facta | 808 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025060467 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $3045.00 | 1004/70 | $3045.00 | Third Party Rental Source | $3917.23 |  | 0.000000 | 1.29 |  |  | 0.78 | 0.78 | $3917.23 |  |  | No |  |  |  | Long Term |  | $3045.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $90.87 | $95.58 | Level 4-Stated/Verified as defined | No | 1 | 6 | No | No |  | Experienced Investor | 0.26 | US Citizen |  | 739 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 06/05/2025 | 733 | Fair Isaac (VER. 2) | 778 | FICO Classic V5 Facta | 739 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051292 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2400.00 | 1025/72 | $2816.67 | Multiple Sources | $2605.55 |  | 0.000000 | 0.93 |  |  | 1.08 | 1.08 | $2605.55 |  |  | No |  |  |  | Long Term |  | $1200.00 | No |  |  |  | Long Term |  | $1200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $28000.00 | No |  | $343.76 | $148.75 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  |  | Experienced Investor | 1.56 |  |  | 717 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051014 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2400.00 | 1073/465 | $4443.10 | Multiple Sources | $3730.42 |  | 0.000000 | 0.84 |  |  | 1.19 | 1.19 | $3730.42 |  |  | No |  |  |  | Long Term |  | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $6000.00 | Yes | $713.00 | $549.66 | $183.79 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 765 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/05/2025 | 761 | Fair Isaac (VER. 2) | 779 | FICO Classic V5 Facta | 765 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052434 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1700.00 | 1004/70 | $2913.50 | Multiple Sources | $2300.97 |  | 0.000000 | 0.79 |  |  | 1.27 | 1.27 | $2300.97 |  |  | No |  |  |  | Long Term |  | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $29840.00 | No |  | $106.93 | $75.50 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 1.10 |  |  | 737 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052176 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $3200.00 | $2500.00 | 1004/70 | $3200.00 | Rent on Existing Lease | $3029.95 |  | 0.000000 | 0.95 |  |  | 1.06 | 1.06 | $3029.95 |  |  | Yes | 08/01/2025 | 07/31/2026 | 12 | Long Term | $3200.00 | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $60000.00 | Yes | $50.00 | $732.22 | $96.17 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor |  | Permanent Resident Alien |  | 770 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 05/21/2025 | 775 | FICO II | 770 | Beacon 5 | 755 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025060270 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2400.00 | 1004/70 | $2400.00 | Third Party Rental Source | $2021.76 |  | 0.000000 | 0.84 |  |  | 1.19 | 1.19 | $2021.76 |  |  | No |  |  |  | Long Term |  | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $60000.00 | No |  | $529.94 | $261.13 | Level 1-Not Stated/Not Verified | No | 1 | 8 | No |  |  | Experienced Investor |  |  |  | 754 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051839 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2600.00 | 1004/70 | $3456.98 | Multiple Sources | $3619.96 |  | 0.000000 | 1.05 |  |  | 0.95 | 0.95 | $3619.96 |  |  | No |  |  |  | Long Term |  | $2600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $148200.00 | Yes | $38.33 | $1017.67 | $214.08 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor |  |  |  | 701 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025032203 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2900.00 | 1004/70 | $4150.00 | Multiple Sources | $3453.72 |  | 0.000000 | 0.83 |  |  | 1.20 | 1.2 | $3453.72 |  |  | No |  |  |  | Long Term |  | $2900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $39170.00 | Yes | $20.00 | $388.33 | $110.67 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 772 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/23/2025 | 780 | Fair Isaac (VER. 2) | 762 | FICO Classic V5 Facta | 772 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025060575 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $1900.00 | $1850.00 | 1004/70 | $3516.67 | Multiple Sources | $2435.37 |  | 0.000000 | 0.69 |  |  | 1.44 | 1.44 | $2435.37 |  |  | Yes | 01/01/2025 | 07/01/2025 | 6 | Long Term | $1900.00 | $1850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $24000.00 | No |  | $496.59 | $207.86 | Level 3-Stated/Partially Verified | No | 1 | 2 | No |  |  | Experienced Investor | 1.40 |  |  | 706 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050563 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $5000.00 | 1004/70 | $6250.00 | Multiple Sources | $6451.76 |  | 0.000000 | 1.03 |  |  | 0.97 | 0.97 | $6451.76 |  |  | No |  |  |  | Long Term |  | $5000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $30000.00 | No |  | $830.26 | $672.90 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor | 0.82 |  |  | 660 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040972 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $3000.00 | $2850.00 | 1004/70 | $2850.00 | Third Party Rental Source | $2846.98 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $2846.98 |  |  | Yes |  |  |  | Long Term | $3000.00 | $2850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $36000.00 | No |  | $364.58 | $478.09 | Level 1-Not Stated/Not Verified | No | 1 | 3 | No |  |  | Experienced Investor |  |  |  | 798 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041046 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1750.00 | 1004/70 | $2433.33 | Multiple Sources | $2362.00 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | $2362.00 |  |  | No |  |  |  | Long Term |  | $1750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $23000.00 | Yes | $39.17 | $234.70 | $472.98 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  |  | Experienced Investor | 0.62 |  |  | 753 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052348 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2600.00 | 1004/70 | $2600.00 | Third Party Rental Source | $2836.30 |  | 0.000000 | 1.09 |  |  | 0.92 | 0.92 | $2836.30 |  |  | No |  |  |  | Long Term |  | $2600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $361.00 | $559.34 | $333.73 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor | 0.28 |  |  | 735 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052451 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $4500.00 | 1004/70 | $4500.00 | Third Party Rental Source | $4215.69 |  | 0.000000 | 0.94 |  |  | 1.07 | 1.07 | $4215.69 |  |  | No |  |  |  | Long Term |  | $4500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | Yes | $30.83 | $1103.25 | $117.25 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor |  |  |  | 737 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050990 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2500.00 | 1004/70 | $2500.00 | Third Party Rental Source | $2760.21 |  | 0.000000 | 1.1 |  |  | 0.91 | 0.91 | $2760.21 |  |  | No |  |  |  | Long Term |  | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | No |  | $294.37 | $107.83 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No | No | Experienced Investor | 4.13 | US Citizen | US Citizen | 756 |  |  |  |  | 2 | 0 | 0 | 2 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/08/2025 | 734 | Fair Isaac (VER. 2) | 751 | FICO Classic V5 Facta | 734 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/08/2025 | 758 | Fair Isaac (VER. 2) | 756 | FICO Classic V5 Facta | 746 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051368 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $2500.00 | $2050.00 | 1004/70 | $2612.02 | Multiple Sources | $2473.83 |  | 0.000000 | 0.95 |  |  | 1.06 | 1.06 | $2473.83 |  |  | Yes | 11/01/2019 | 10/31/2024 | 60 | Long Term | $2500.00 | $2050.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $32800.00 | No |  | $426.48 | $145.25 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | Experienced Investor | 0.67 |  |  | 788 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052501 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1600.00 | 1004/70 | $2443.58 | Multiple Sources | $2212.77 |  | 0.000000 | 0.91 |  |  | 1.10 | 1.1 | $2212.77 |  |  | No |  |  |  | Long Term |  | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $20000.00 | No |  | $304.17 | $194.69 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 803 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/27/2025 | 818 | Fair Isaac (VER. 2) | 803 | FICO Classic V5 Facta | 800 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025060330 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2200.00 | 1025/72 | $2200.00 | Third Party Rental Source | $1627.51 |  | 0.000000 | 0.74 |  |  | 1.35 | 1.35 | $1627.51 |  |  | No |  |  |  | Long Term |  | $1100.00 | No |  |  |  | Long Term |  | $1100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $23000.00 | No |  | $281.72 | $164.42 | Level 1-Not Stated/Not Verified | No | 1 | 4 | No |  |  | Experienced Investor |  |  |  | 750 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052756 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $15000.00 | 1004/70 | $15000.00 | Third Party Rental Source | $14966.27 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $14966.27 |  |  | No |  |  |  | Long Term |  | $15000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $2917.00 | $477.08 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 6.55 |  |  | 742 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025042044 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2800.00 | 1025/72 | $2800.00 | Third Party Rental Source | $2161.74 |  | 0.000000 | 0.77 |  |  | 1.30 | 1.3 | $2161.74 |  |  | No |  |  |  | Long Term |  | $1700.00 | No |  |  |  | Long Term |  | $1100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $30000.00 | No |  | $288.21 | $198.92 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  |  | Experienced Investor | 0.10 |  |  | 740 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052093 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2125.00 | 1073/465 | $3791.67 | Multiple Sources | $3061.71 |  | 0.000000 | 0.81 |  |  | 1.24 | 1.24 | $3061.71 |  |  | No |  |  |  | Long Term |  | $2125.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $10000.00 | Yes | $500.00 | $499.99 | $31.58 | Level 1-Not Stated/Not Verified | No | 1 | 5 | No |  |  | Experienced Investor |  |  |  | 686 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Corp | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040823 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2800.00 | 1025/72 | $2800.00 | Third Party Rental Source | $2549.34 |  | 0.000000 | 0.91 |  |  | 1.10 | 1.1 | $2549.34 |  |  | No |  |  |  | Long Term |  | $1400.00 | No |  |  |  | Long Term |  | $1400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $42500.00 | No |  | $463.75 | $94.92 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 1.41 |  |  | 719 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052513 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $4000.00 | $3100.00 | 1004/70 | $4000.00 | Rent on Existing Lease | $3683.04 |  | 0.000000 | 0.92 |  |  | 1.09 | 1.09 | $3683.04 |  |  | Yes | 05/20/2025 | 04/20/2026 | 11 | Long Term | $4000.00 | $3100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $418.57 | $232.74 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 0.15 |  |  | 784 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052687 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $5450.00 | 1004/70 | $8528.33 | Multiple Sources | $6881.81 |  | 0.000000 | 0.81 |  |  | 1.24 | 1.24 | $6881.81 |  |  | No |  |  |  | Long Term |  | $5450.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $75000.00 | No |  | $1354.17 | $124.51 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 744 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/14/2025 | 725 | Fair Isaac (VER. 2) | 744 | FICO Classic V5 Facta | 751 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052830 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2000.00 | 1004/70 | $2000.00 | Third Party Rental Source | $1566.84 |  | 0.000000 | 0.78 |  |  | 1.28 | 1.28 | $1566.84 |  |  | No |  |  |  | Long Term |  | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $118.70 | $73.75 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 741 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/30/2025 | 741 | Fair Isaac (VER. 2) | 735 | FICO Classic V5 Facta | 755 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040748 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $3250.00 | $3360.00 | 1025/72 | $3360.00 | Third Party Rental Source | $3088.39 |  | 0.000000 | 0.92 |  |  | 1.09 | 1.09 | $3088.39 |  |  | Yes | 04/01/2025 | 03/31/2026 | 12 | Long Term | $1600.00 | $1680.00 | Yes | 06/01/2025 | 05/31/2026 | 12 | Long Term | $1650.00 | $1680.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $268.08 | $84.99 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No | No | Experienced Investor | 0.45 | US Citizen | US Citizen | 792 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/08/2025 | 771 | Fair Isaac (VER. 2) | 800 | FICO Classic V5 Facta | 792 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/08/2025 | 795 | Fair Isaac (VER. 2) | 771 | FICO Classic V5 Facta | 765 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052587 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $6650.00 | 1025/72 | $9733.33 | Multiple Sources | $7873.73 |  | 0.000000 | 0.81 |  |  | 1.24 | 1.24 | $7873.73 |  |  | No |  |  |  | Long Term |  | $2700.00 | No |  |  |  | Long Term |  | $3950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $74500.00 | No |  | $722.98 | $190.08 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | First-Time Investor |  |  |  | 726 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Corp | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025060266 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $1945.00 | $1730.00 | 1004/70 | $1730.00 | Third Party Rental Source | $1599.70 |  | 0.000000 | 0.92 |  |  | 1.08 | 1.08 | $1599.70 |  |  | Yes | 06/01/2025 | 06/01/2026 | 12 | Long Term | $1945.00 | $1730.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $53000.00 | No |  | $225.79 | $120.79 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor | 0.28 |  |  | 748 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051690 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $5500.00 | 1004/70 | $13966.67 | Multiple Sources | $11017.50 |  | 0.000000 | 0.79 |  |  | 1.27 | 1.27 | $11017.50 |  |  | No |  |  |  | Long Term |  | $5500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $64500.00 | No |  | $1666.67 | $180.75 | Level 4-Stated/Verified as defined | No | 1 | 22 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 795 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 21 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/04/2025 | 707 | Fair Isaac (VER. 2) | 698 | FICO Classic V5 Facta | 690 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 04/04/2025 | 807 | Fair Isaac (VER. 2) | 795 | FICO Classic V5 Facta | 778 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051346 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2800.00 | 1073/465 | $4441.67 | Multiple Sources | $3405.61 |  | 0.000000 | 0.77 |  |  | 1.30 | 1.3 | $3405.61 |  |  | No |  |  |  | Long Term |  | $2800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $26400.00 | Yes | $647.00 | $220.24 | $56.00 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 0.53 |  |  | 790 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025060948 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $3500.00 | 1004/70 | $4750.00 | Multiple Sources | $3724.05 |  | 0.000000 | 0.78 |  |  | 1.28 | 1.28 | $3724.05 |  |  | No |  |  |  | Long Term |  | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $30500.00 | Yes | $457.00 | $870.07 | $109.16 | Level 4-Stated/Verified as defined | No | 1 | 1 | Yes | Yes |  | Experienced Investor |  | Foreign National |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052879 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $3950.00 | 1004/70 | $6842.43 | Multiple Sources | $6856.03 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $6856.03 |  |  | No |  |  |  | Long Term |  | $3950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $50500.00 | No |  | $628.64 | $123.50 | Level 3-Stated/Partially Verified | No | 1 | 7 | No |  |  | Experienced Investor | 0.82 |  |  | 728 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050339 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $4100.00 | 1004/70 | $4100.00 | Third Party Rental Source | $4049.16 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $4049.16 |  |  | No |  |  |  | Long Term |  | $4100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $113600.00 | No |  | $949.41 | $152.75 | Level 3-Stated/Partially Verified | No | 1 | 2 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 707 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/02/2025 | 682 | Fair Isaac (VER. 2) | 731 | FICO Classic V5 Facta | 707 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/02/2025 | 614 | Fair Isaac (VER. 2) | 613 | FICO Classic V5 Facta | 646 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025060877 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $4800.00 | 1025/72 | $4800.00 | Third Party Rental Source | $4049.36 |  | 0.000000 | 0.84 |  |  | 1.19 | 1.19 | $4049.36 |  |  | No |  |  |  | Long Term |  | $2400.00 | No |  |  |  | Long Term |  | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $54100.00 | No |  | $702.25 | $191.50 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor |  | US Citizen |  | 748 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/30/2025 | 767 | Fair Isaac (VER. 2) | 748 | FICO Classic V5 Facta | 747 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052581 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2500.00 | 1004/70 | $2500.00 | Third Party Rental Source | $2392.42 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | $2392.42 |  |  | No |  |  |  | Long Term |  | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $35240.00 | Yes | $14.58 | $214.40 | $154.92 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor |  | US Citizen |  | 702 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/22/2025 | 756 | Fair Isaac (VER. 2) | 665 | FICO Classic V5 Facta | 702 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052272 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2400.00 | 1004/70 | $3233.33 | Multiple Sources | $2827.75 |  | 0.000000 | 0.87 |  |  | 1.14 | 1.14 | $2827.75 |  |  | No |  |  |  | Long Term |  | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $376.03 | $309.92 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  |  | Experienced Investor | 0.78 |  |  | 780 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025020129 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes |  |  |  |  |  |  |  | $3689.57 |  | 0.291048 |  |  |  |  |  | $3689.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $148.50 | $107.38 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  | 1.08 |  |  | 711 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025032614 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes |  |  |  |  |  |  |  | $31158.94 |  | 0.307681 |  |  |  |  |  | $31158.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $2843.00 | $6107.17 | $197.92 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  | 0.98 |  |  | 682 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041859 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes |  |  |  |  |  |  |  | $9007.79 |  | 0.413203 |  |  |  |  |  | $9007.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $452.13 | $345.25 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | Permanent Resident Alien |  | 804 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 2 | Permanent Resident Alien | Resident Alien Card |  | Level 4-Stated/Verified as defined | 05/22/2025 | 805 | Fair Isaac (VER. 2) | 804 | FICO Classic V5 Facta | 756 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052077 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | No |  |  |  |  |  |  |  | $2403.03 |  | 0.242276 |  |  |  |  |  | $2403.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $519.84 | $163.80 | Level 1-Not Stated/Not Verified |  |  |  | No |  | No |  | 0.39 |  | US Citizen | 800 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  | Individual | Individual | Employed | XX | XX | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/20/2025 | 704 | Fair Isaac (VER. 2) | 719 | Beacon 5 | 729 | FICO Risk Score Classic 04 | Individual | XX | XX | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | 04/22/2025 | 810 | Fair Isaac (VER. 2) | 785 | Beacon 5 | 800 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |
| 12025040895 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes |  |  |  |  |  |  |  | $7817.11 |  | 0.140974 |  |  |  |  |  | $7817.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $1048.02 | $844.50 | Level 1-Not Stated/Not Verified |  |  |  | No |  | No |  |  |  | US Citizen | 752 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  | Individual | Trustee | Employed | XX | XX | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/08/2025 | 776 | Fair Isaac (VER. 2) | 752 | FICO Classic V5 Facta | 685 | FICO Risk Score Classic 04 | Business Entity |  | xx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025061250 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes |  |  |  |  |  |  |  | $2952.49 |  | 0.314901 |  |  |  |  |  | $2952.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $6.25 | $503.61 | $221.08 | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  |  | US Citizen |  | 742 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 06/13/2025 | 637 | Fair Isaac (VER. 2) | 742 | Beacon 5 | 747 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040899 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes |  |  |  |  |  |  |  | $8501.12 |  | 0.166858 |  |  |  |  |  | $8501.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $1127.91 | $544.35 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  |  |  |  | 752 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Trust | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  | Trustee | XX | XX | 6 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/08/2025 | 776 | Fair Isaac (VER. 2) | 752 | FICO Classic V5 Facta | 685 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |
| 12025052643 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | No |  |  |  |  |  |  |  | $4945.47 |  | 0.054871 |  |  |  |  |  | $4945.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $560.81 | $258.13 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  |  |  |  | 748 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051223 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | No |  |  |  |  |  |  |  | $8891.24 |  | 0.165567 |  |  |  |  |  | $8891.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $1956.94 | $906.55 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  |  |  |  | 752 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050867 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes |  |  |  |  |  |  |  | $3012.71 |  | 0.259148 |  |  |  |  |  | $3012.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $246.08 | $174.36 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  | 0.34 |  |  | 762 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041778 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes |  |  |  |  |  |  |  | $4155.97 |  | 0.479139 |  |  |  |  |  | $4155.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $742.31 | $298.39 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  |  |  |  | 783 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025060965 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes |  |  |  |  |  |  |  | $2078.90 |  | 0.344688 |  |  |  |  |  | $2078.90 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $330.00 | $88.92 | $37.25 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 819 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/17/2025 | 828 | Fair Isaac (VER. 2) | 813 | FICO Classic V5 Facta | 819 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 32025052803 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes |  |  |  |  |  |  |  | $2124.85 |  | 0.425161 |  |  |  |  |  | $2124.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $256.00 | $134.27 | $91.10 | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  |  | US Citizen |  | 766 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 04/24/2025 | 787 | Fair Isaac (VER. 2) | 766 | Beacon 5 | 754 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025060770 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes |  |  |  |  |  |  |  | $8707.08 |  | 0.356518 |  |  |  |  |  | $8707.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $947.04 | $165.08 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 2.24 | US Citizen |  | 745 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 06/19/2025 | 757 | Fair Isaac (VER. 2) | 715 | FICO Classic V5 Facta | 745 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025060355 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes |  |  |  |  |  |  |  | $6562.12 |  | 0.429873 |  |  |  |  |  | $6562.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $854.06 | $101.03 | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  |  | US Citizen |  | 745 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 5 | US Citizen |  |  | Level 3-Stated/Partially Verified | 06/19/2025 | 757 | Fair Isaac (VER. 2) | 715 | FICO Classic V5 Facta | 745 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 32025051498 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes |  |  |  |  |  |  |  | $3535.60 |  | 0.427640 |  |  |  |  |  | $3535.60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $523.94 | $150.25 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | Non-Permanent Resident Alien |  | 722 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 2 | Non-Permanent Resident Alien | Employment Authorization | United States of America | Level 4-Stated/Verified as defined | 05/05/2025 | 722 | Fair Isaac (VER. 2) |  |  | 730 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025030307 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2800.00 | 1004/70 | $5794.18 | Multiple Sources | $5360.83 |  | 0.000000 | 0.93 |  |  | 1.08 | 1.08 | $5360.83 |  |  | No |  |  |  | Long Term |  | $2800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $4500.00 | No |  | $169.92 | $201.33 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 1.96 |  |  | 790 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025030310 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $1850.00 | $1500.00 | 1004/70 | $1841.67 | Multiple Sources | $1573.83 |  | 0.000000 | 0.85 |  |  | 1.17 | 1.17 | $1573.83 |  |  | Yes | 12/04/2024 | 12/31/2025 | 12 | Long Term | $1850.00 | $1500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $107.33 | $104.00 | Level 4-Stated/Verified as defined | No | 1 | 7 | No |  |  | Experienced Investor | 3.44 |  |  | 736 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041448 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1850.00 | 1004/70 | $1850.00 | Third Party Rental Source | $1468.63 |  | 0.000000 | 0.79 |  |  | 1.26 | 1.26 | $1468.63 |  |  | No |  |  |  | Long Term |  | $1850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $16000.00 | No |  | $261.94 | $75.58 | Level 3-Stated/Partially Verified | No | 1 | 1 | No |  |  | Experienced Investor | 0.23 |  |  | 778 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041453 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1800.00 | 1004/70 | $1800.00 | Third Party Rental Source | $1341.96 |  | 0.000000 | 0.75 |  |  | 1.34 | 1.34 | $1341.96 |  |  | No |  |  |  | Long Term |  | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $239.25 | $69.49 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.43 |  |  | 778 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041419 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1700.00 | 1004/70 | $1700.00 | Third Party Rental Source | $1544.21 |  | 0.000000 | 0.91 |  |  | 1.10 | 1.1 | $1544.21 |  |  | No |  |  |  | Long Term |  | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $15000.00 | No |  | $379.09 | $70.52 | Level 3-Stated/Partially Verified | No | 1 | 3 | No |  |  | Experienced Investor | 0.35 |  |  | 778 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041256 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2000.00 | 1025/72 | $2000.00 | Third Party Rental Source | $1804.25 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | $1804.25 |  |  | No |  |  |  | Long Term |  | $1000.00 | No |  |  |  | Long Term |  | $1000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $34600.00 | No |  | $517.35 | $186.17 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor |  |  |  | 744 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040434 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2250.00 | 1025/72 | $2250.00 | Third Party Rental Source | $2135.10 |  | 0.000000 | 0.95 |  |  | 1.05 | 1.05 | $2135.10 |  |  | No |  |  |  | Long Term |  | $2250.00 | No |  |  |  | Long Term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $55500.00 | No |  | $308.91 | $151.58 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 796 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/04/2025 | 796 | Fair Isaac (VER. 2) | 805 | FICO Classic V5 Facta | 791 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041300 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2000.00 | 1025/72 | $2000.00 | Third Party Rental Source | $1746.40 |  | 0.000000 | 0.87 |  |  | 1.15 | 1.15 | $1746.40 |  |  | No |  |  |  | Long Term |  | $1000.00 | No |  |  |  | Long Term |  | $1000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $33500.00 | No |  | $462.92 | $182.75 | Level 3-Stated/Partially Verified | No | 1 | 3 | No |  |  | Experienced Investor |  |  |  | 744 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041724 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1650.00 | 1004/70 | $1650.00 | Third Party Rental Source | $1358.27 |  | 0.000000 | 0.82 |  |  | 1.21 | 1.21 | $1358.27 |  |  | No |  |  |  | Long Term |  | $1650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $133.91 | $121.17 | Level 3-Stated/Partially Verified | No | 1 | 2 | No |  |  | Experienced Investor |  |  |  | 754 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025031108 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $1700.00 | $1700.00 | 1004/70 | $1700.00 | Rent on Existing Lease | $1378.40 |  | 0.000000 | 0.81 |  |  | 1.23 | 1.23 | $1378.40 |  |  | Yes | 02/01/2025 | 01/31/2026 | 12 | Long Term | $1700.00 | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $30000.00 | No |  | $247.19 | $107.95 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  | No | Experienced Investor | 0.44 |  | US Citizen | 779 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Individual | Individual |  | XX | XX | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/14/2025 | 759 | FICO II | 779 | Beacon 5 | 786 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041950 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $3275.00 | 1004/70 | $3275.00 | Third Party Rental Source | $2785.47 |  | 0.000000 | 0.85 |  |  | 1.18 | 1.18 | $2785.47 |  |  | No |  |  |  | Long Term |  | $3275.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $40000.00 | No |  | $199.53 | $261.61 | Level 3-Stated/Partially Verified | No | 1 | 2 | No |  |  | Experienced Investor | 0.11 |  |  | 770 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050315 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1740.00 | 1004/70 | $1740.00 | Third Party Rental Source | $1442.29 |  | 0.000000 | 0.83 |  |  | 1.21 | 1.21 | $1442.29 |  |  | No |  |  |  | Long Term |  | $1740.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $22.92 | $151.98 | $73.58 | Level 4-Stated/Verified as defined | No | 1 | 12 | No |  |  | Experienced Investor | 0.10 |  |  | 802 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025030172 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $2600.00 | $2000.00 | 1004/70 | $2000.00 | Third Party Rental Source | $1744.18 |  | 0.000000 | 0.87 |  |  | 1.15 | 1.15 | $1744.18 |  |  | Yes | 04/01/2025 | 04/01/2026 | 12 | Long Term | $2600.00 | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $22500.00 | No |  | $186.23 | $246.76 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 2.60 | US Citizen |  | 709 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 02/24/2025 | 709 | Fair Isaac (VER. 2) | 726 | Beacon 5 | 705 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051688 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1900.00 | 1004/70 | $1900.00 | Third Party Rental Source | $1699.45 |  | 0.000000 | 0.89 |  |  | 1.12 | 1.12 | $1699.45 |  |  | No |  |  |  | Long Term |  | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $13100.00 | Yes | $25.00 | $451.88 | $181.67 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 0.30 | US Citizen |  | 744 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/28/2025 | 742 | Fair Isaac (VER. 2) | 744 | FICO Classic V5 Facta | 747 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050606 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2450.00 | 1004/70 | $2450.00 | Third Party Rental Source | $1764.79 |  | 0.000000 | 0.72 |  |  | 1.39 | 1.39 | $1764.79 |  |  | No |  |  |  | Long Term |  | $2450.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $29500.00 | No |  | $175.05 | $73.87 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 37.47 |  |  | 753 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Corp | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050682 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $3550.00 | 1025/72 | $3550.00 | Third Party Rental Source | $2366.39 |  | 0.000000 | 0.67 |  |  | 1.50 | 1.5 | $2366.39 |  |  | No |  |  |  | Long Term |  | $1400.00 | No |  |  |  | Long Term |  | $1400.00 | No |  |  |  | Long Term |  | $750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $42600.00 | No |  | $210.74 | $225.45 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 1.56 |  |  | 797 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041133 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1550.00 | 1004/70 | $1550.00 | Third Party Rental Source | $1548.48 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $1548.48 |  |  | No |  |  |  | Long Term |  | $1550.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $145.08 | $52.25 | Level 4-Stated/Verified as defined | No | 1 | 7 | No |  |  | Experienced Investor |  |  |  | 745 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041136 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1600.00 | 1004/70 | $1600.00 | Third Party Rental Source | $1590.27 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $1590.27 |  |  | No |  |  |  | Long Term |  | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $145.08 | $52.25 | Level 4-Stated/Verified as defined | No | 1 | 8 | No |  |  | Experienced Investor |  |  |  | 745 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041075 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1550.00 | 1004/70 | $1550.00 | Third Party Rental Source | $1541.08 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $1541.08 |  |  | No |  |  |  | Long Term |  | $1550.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $145.08 | $43.92 | Level 4-Stated/Verified as defined | No | 1 | 8 | No |  |  | Experienced Investor |  |  |  | 745 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051051 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $8300.00 | $4000.00 | 1004/70 | $8300.00 | Rent on Existing Lease | $6200.66 |  | 0.000000 | 0.75 |  |  | 1.34 | 1.34 | $6200.66 |  |  | Yes | 07/01/2025 | 06/30/2026 | 12 | Long Term | $8300.00 | $4000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $1209.38 | $298.16 | Level 3-Stated/Partially Verified | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 781 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/11/2025 | 793 | Fair Isaac (VER. 2) | 781 | FICO Classic V5 Facta | 778 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041138 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2600.00 | 1025/72 | $2600.00 | Third Party Rental Source | $2142.89 |  | 0.000000 | 0.82 |  |  | 1.21 | 1.21 | $2142.89 |  |  | No |  |  |  | Long Term |  | $1300.00 | No |  |  |  | Long Term |  | $1300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $156.02 | $53.58 | Level 4-Stated/Verified as defined | No | 1 | 7 | No |  |  | Experienced Investor |  |  |  | 745 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050307 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2300.00 | 1073/465 | $2300.00 | Third Party Rental Source | $1939.09 |  | 0.000000 | 0.84 |  |  | 1.19 | 1.19 | $1939.09 |  |  | No |  |  |  | Long Term |  | $2300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $3000.00 | Yes | $500.00 | $318.32 | $165.25 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 773 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/05/2025 | 784 | Fair Isaac (VER. 2) | 773 | FICO Classic V5 Facta | 767 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041381 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2600.00 | 1004/70 | $2600.00 | Third Party Rental Source | $2285.12 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | $2285.12 |  |  | No |  |  |  | Long Term |  | $2600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $23910.00 | No |  | $259.12 | $107.25 | Level 3-Stated/Partially Verified | No | 1 | 11 | No |  |  | Experienced Investor | 1.35 |  |  | 763 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Corp | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040873 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1620.00 | 1004/70 | $1620.00 | Third Party Rental Source | $1301.70 |  | 0.000000 | 0.8 |  |  | 1.24 | 1.24 | $1301.70 |  |  | No |  |  |  | Long Term |  | $1620.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $203.37 | $119.49 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor | 0.95 | Non-Permanent Resident Alien |  | 673 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 04/09/2025 | 677 | Fair Isaac (VER. 2) | 673 | FICO Classic V5 Facta | 638 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051567 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $4250.00 | 1004/70 | $8500.00 | Multiple Sources | $7910.40 |  | 0.000000 | 0.93 |  |  | 1.07 | 1.07 | $7910.40 |  |  | No |  |  |  | Long Term |  | $4250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $74000.00 | No |  | $862.18 | $217.25 | Level 4-Stated/Verified as defined | No | 1 | 0 | No | No |  | Experienced Investor |  | US Citizen |  | 714 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/16/2025 | 723 | Fair Isaac (VER. 2) | 702 | FICO Classic V5 Facta | 714 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051752 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $7650.00 | $7650.00 | 1025/72 | $7650.00 | Rent on Existing Lease | $5947.03 |  | 0.000000 | 0.78 |  |  | 1.29 | 1.29 | $5947.03 |  |  | Yes | 01/01/2025 | 12/31/2025 | 12 | Long Term | $2550.00 | $2550.00 | Yes | 03/01/2025 | 02/28/2026 | 12 | Long Term | $2550.00 | $2550.00 | Yes | 01/01/2025 | 12/31/2025 | 12 | Long Term | $2550.00 | $2550.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $52200.00 | No |  | $1005.52 | $225.48 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 10.96 |  |  | 767 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Corp | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 32025031412 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2000.00 | 1025/72 | $2000.00 | Third Party Rental Source | $1839.10 |  | 0.000000 | 0.92 |  |  | 1.09 | 1.09 | $1839.10 |  |  | No |  |  |  | Long Term |  | $1100.00 | No |  |  |  | Long Term |  | $900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $311.53 | $79.24 | Level 1-Not Stated/Not Verified | No | 1 | 3 | No |  |  | Experienced Investor |  |  |  | 763 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050132 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2800.00 | 1004/70 | $2800.00 | Third Party Rental Source | $1895.28 |  | 0.000000 | 0.68 |  |  | 1.48 | 1.48 | $1895.28 |  |  | No |  |  |  | Long Term |  | $2800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $35355.00 | No |  | $293.14 | $120.00 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.45 |  |  | 681 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050293 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1850.00 | 1004/70 | $1850.00 | Third Party Rental Source | $2019.62 |  | 0.000000 | 1.09 |  |  | 0.92 | 0.92 | $2019.62 |  |  | No |  |  |  | Long Term |  | $1850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | Yes | $150.00 | $108.52 | $68.58 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 761 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/01/2025 | 777 | Fair Isaac (VER. 2) | 761 | FICO Classic V5 Facta | 736 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040738 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $1700.00 | $1540.00 | 1004/70 | $1700.00 | Rent on Existing Lease | $1559.46 |  | 0.000000 | 0.92 |  |  | 1.09 | 1.09 | $1559.46 |  |  | Yes | 02/01/2025 | 01/31/2026 | 12 | Long Term | $1700.00 | $1540.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $4000.00 | No |  | $303.61 | $82.51 | Level 4-Stated/Verified as defined | No | 1 | 8 | No |  |  | Experienced Investor | 3.04 |  |  | 758 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041715 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1600.00 | 1004/70 | $1600.00 | Third Party Rental Source | $1446.10 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | $1446.10 |  |  | No |  |  |  | Long Term |  | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $248.15 | $172.00 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 0.26 | Non-Permanent Resident Alien |  | 754 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 02/10/2025 | 750 | Fair Isaac (VER. 2) | 783 | FICO Classic V5 Facta | 754 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050125 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $5200.00 | 1004/70 | $5200.00 | Third Party Rental Source | $6637.45 |  | 0.000000 | 1.28 |  |  | 0.78 | 0.78 | $6637.45 |  |  | No |  |  |  | Long Term |  | $5200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $40000.00 | No |  | $122.20 | $695.30 | Level 4-Stated/Verified as defined | No | 1 | 26 | No |  |  | Experienced Investor | 4.00 |  |  | 770 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051541 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $12500.00 | 1004/70 | $12500.00 | Third Party Rental Source | $7374.83 |  | 0.000000 | 0.59 |  |  | 1.69 | 1.69 | $7374.83 |  |  | No |  |  |  | Long Term |  | $12500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $142185.00 | No |  | $1551.85 | $687.56 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 16.54 | US Citizen |  | 790 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/15/2025 | 788 | Fair Isaac (VER. 2) | 790 | FICO Classic V5 Facta | 791 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040685 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $1495.00 | $1515.00 | 1004/70 | $1515.00 | Third Party Rental Source | $1512.78 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $1512.78 |  |  | Yes | 07/15/2024 | 06/30/2025 | 11 | Long Term | $1495.00 | $1515.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $4000.00 | Yes |  | $298.42 | $82.51 | Level 1-Not Stated/Not Verified | No | 1 | 3 | No |  |  | Experienced Investor | 3.04 |  |  | 758 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025032020 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $4050.00 | $2800.00 | 1004/70 | $4050.00 | Rent on Existing Lease | $3652.86 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | $3652.86 |  |  | Yes | 02/16/2025 | 02/28/2026 | 12 | Long Term | $4050.00 | $2800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $424.10 | $85.50 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor | 2.18 | US Citizen |  | 716 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/29/2025 | 716 | FICO II | 710 | Beacon 5 | 722 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051194 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2700.00 | 1004/70 | $4550.00 | Multiple Sources | $3594.87 |  | 0.000000 | 0.79 |  |  | 1.27 | 1.27 | $3594.87 |  |  | No |  |  |  | Long Term |  | $2700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $441.26 | $247.17 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 788 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/13/2025 | 775 | Fair Isaac (VER. 2) | 788 | FICO Classic V5 Facta | 797 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050159 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2000.00 | 1025/72 | $2000.00 | Third Party Rental Source | $1263.59 |  | 0.000000 | 0.63 |  |  | 1.58 | 1.58 | $1263.59 |  |  | No |  |  |  | Long Term |  | $1100.00 | No |  |  |  | Long Term |  | $900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $20000.00 | No |  | $96.85 | $149.83 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No | No | Experienced Investor | 2.79 | US Citizen | US Citizen | 774 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/15/2025 | 747 | Fair Isaac (VER. 2) | 767 | FICO Classic V5 Facta | 735 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/15/2025 | 774 | Fair Isaac (VER. 2) | 801 | FICO Classic V5 Facta | 769 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050721 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $3000.00 | 1004/70 | $3000.00 | Third Party Rental Source | $3684.21 |  | 0.000000 | 1.23 |  |  | 0.81 | 0.81 | $3684.21 |  |  | No |  |  |  | Long Term |  | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $75.00 | $488.77 | $244.36 | Level 4-Stated/Verified as defined | No | 2 | 8 | No | No | No | Experienced Investor | 24.27 | US Citizen | US Citizen | 725 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/07/2025 | 725 | Fair Isaac (VER. 2) | 719 | FICO Classic V5 Facta | 733 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/07/2025 | 700 | Fair Isaac (VER. 2) | 703 | FICO Classic V5 Facta | 708 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025042776 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $2450.00 | $2450.00 | 1025/72 | $2450.00 | Rent on Existing Lease | $1568.27 |  | 0.000000 | 0.64 |  |  | 1.56 | 1.56 | $1568.27 |  |  | Yes | 05/01/2025 | 05/30/2025 | 1 | Long Term | $1200.00 | $1200.00 | Yes | 03/12/2025 | 03/30/2026 | 12 | Long Term | $1250.00 | $1250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $36000.00 | No |  | $156.35 | $95.42 | Level 3-Stated/Partially Verified | No | 1 | 5 | No | No |  | Experienced Investor | 0.36 | US Citizen |  | 793 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 04/27/2025 | 789 | Fair Isaac (VER. 2) | 793 | FICO Classic V5 Facta | 801 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041884 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2600.00 | 1025/72 | $2600.00 | Third Party Rental Source | $2054.48 |  | 0.000000 | 0.79 |  |  | 1.27 | 1.27 | $2054.48 |  |  | No |  |  |  | Long Term |  | $1300.00 | No |  |  |  | Long Term |  | $1300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $42800.00 | No |  | $398.47 | $100.58 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 752 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/28/2025 | 726 | FICO II | 752 | Beacon 5 | 772 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050905 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Short Term |  | $4400.00 | 1073/465 | $3520.00 | Multiple Sources | $1872.86 |  | 0.000000 | 0.53 |  |  | 1.88 | 1.88 | $1872.86 |  |  | No |  |  |  | Short Term |  | $4400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $580.00 | $227.01 | $0.00 | Level 3-Stated/Partially Verified | No | 1 | 8 | No |  |  | Experienced Investor |  |  |  | 755 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050135 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $5100.00 | 1025/72 | $7016.67 | Multiple Sources | $5594.00 |  | 0.000000 | 0.8 |  |  | 1.25 | 1.25 | $5594.00 |  |  | No |  |  |  | Long Term |  | $3000.00 | No |  |  |  | Long Term |  | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $64260.00 | No |  | $1121.56 | $151.03 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor |  |  |  | 788 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051520 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2450.00 | 1004/70 | $2866.67 | Multiple Sources | $2728.12 |  | 0.000000 | 0.95 |  |  | 1.05 | 1.05 | $2728.12 |  |  | No |  |  |  | Long Term |  | $2450.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $65000.00 | No |  | $447.92 | $80.18 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor |  | US Citizen |  | 776 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/15/2025 | 796 | Fair Isaac (VER. 2) | 776 | FICO Classic V5 Facta | 733 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025032490 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $1575.00 | $1425.00 | 1004/70 | $1425.00 | Third Party Rental Source | $1080.29 |  | 0.000000 | 0.76 |  |  | 1.32 | 1.32 | $1080.29 |  |  | Yes | 01/28/2025 | 02/01/2027 | 24 | Long Term | $1575.00 | $1425.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $123.44 | $186.47 | Level 3-Stated/Partially Verified | No | 1 | 2 | No |  |  | Experienced Investor | 0.99 |  |  | 759 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051409 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1600.00 | 1004/70 | $1600.00 | Third Party Rental Source | $1239.40 |  | 0.000000 | 0.77 |  |  | 1.29 | 1.29 | $1239.40 |  |  | No |  |  |  | Long Term |  | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $33000.00 | No |  | $163.92 | $140.75 | Level 3-Stated/Partially Verified | No | 1 | 2 | No |  |  | Experienced Investor | 1.42 |  |  | 764 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051512 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2450.00 | 1004/70 | $3166.67 | Multiple Sources | $2833.39 |  | 0.000000 | 0.89 |  |  | 1.12 | 1.12 | $2833.39 |  |  | No |  |  |  | Long Term |  | $2450.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $35200.00 | Yes | $135.00 | $156.39 | $406.20 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 680 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/14/2025 | 649 | Fair Isaac (VER. 2) | 680 | FICO Classic V5 Facta | 700 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050868 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2300.00 | 1004/70 | $2300.00 | Third Party Rental Source | $1747.78 |  | 0.000000 | 0.76 |  |  | 1.32 | 1.32 | $1747.78 |  |  | No |  |  |  | Long Term |  | $2300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $189.84 | $89.67 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor | 0.50 |  |  | 708 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025032557 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $2500.00 | $2400.00 | 1004/70 | $2400.00 | Third Party Rental Source | $1587.39 |  | 0.000000 | 0.66 |  |  | 1.51 | 1.51 | $1587.39 |  |  | Yes | 07/30/2025 | 07/31/2026 | 12 | Long Term | $2500.00 | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $32900.00 | No |  | $279.83 | $220.77 | Level 3-Stated/Partially Verified | No | 1 | 4 | No |  |  | Experienced Investor |  |  |  | 798 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051551 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1950.00 | 1004/70 | $1950.00 | Third Party Rental Source | $1745.34 |  | 0.000000 | 0.9 |  |  | 1.12 | 1.12 | $1745.34 |  |  | No |  |  |  | Long Term |  | $1950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $30200.00 | Yes | $9.00 | $231.53 | $89.22 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 0.58 | US Citizen |  | 741 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/16/2025 | 741 | Fair Isaac (VER. 2) | 752 | FICO Classic V5 Facta | 735 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025031057 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2650.00 | 1004/70 | $2650.00 | Third Party Rental Source | $3213.47 |  | 0.000000 | 1.21 |  |  | 0.82 | 0.82 | $3213.47 |  |  | No |  |  |  | Long Term |  | $2650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $45000.00 | No |  | $706.03 | $513.50 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor | 25.73 | US Citizen |  | 689 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/27/2025 | 689 | Fair Isaac (VER. 2) | 715 | Beacon 5 | 688 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050011 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1975.00 | 1004/70 | $1975.00 | Third Party Rental Source | $1688.80 |  | 0.000000 | 0.86 |  |  | 1.17 | 1.17 | $1688.80 |  |  | No |  |  |  | Long Term |  | $1975.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $27342.00 | No |  | $263.31 | $97.67 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 0.89 |  |  | 751 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050607 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $6050.00 | $8400.00 | 1025/72 | $8400.00 | Third Party Rental Source | $6040.17 |  | 0.000000 | 0.72 |  |  | 1.39 | 1.39 | $6040.17 |  |  | Yes | 05/15/2025 | 05/15/2026 | 12 | Long Term | $2250.00 | $3200.00 | Yes | 05/15/2025 | 05/15/2026 | 12 | Long Term | $2250.00 | $3200.00 | Yes | 05/15/2025 | 05/15/2026 | 12 | Long Term | $1550.00 | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $40000.00 | No |  | $478.23 | $324.97 | Level 1-Not Stated/Not Verified | No | 1 | 3 | No |  |  | Experienced Investor | 0.18 |  |  | 754 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050390 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1650.00 | 1004/70 | $1650.00 | Third Party Rental Source | $1767.15 |  | 0.000000 | 1.07 |  |  | 0.93 | 0.93 | $1767.15 |  |  | No |  |  |  | Long Term |  | $1650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $288.53 | $189.08 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 797 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/06/2025 | 794 | Fair Isaac (VER. 2) | 813 | FICO Classic V5 Facta | 797 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025042020 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2400.00 | 1004/70 | $2400.00 | Third Party Rental Source | $2220.31 |  | 0.000000 | 0.93 |  |  | 1.08 | 1.08 | $2220.31 |  |  | No |  |  |  | Long Term |  | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $230.59 | $37.50 | Level 3-Stated/Partially Verified | No | 1 | 2 | No |  |  | Experienced Investor | 0.78 |  |  | 745 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040161 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $6200.00 | $6300.00 | 1025/72 | $6300.00 | Third Party Rental Source | $5420.13 |  | 0.000000 | 0.86 |  |  | 1.16 | 1.16 | $5420.13 |  |  | Yes | 06/01/2025 | 06/30/2025 | 1 | Long Term | $3600.00 | $3700.00 | Yes | 06/01/2025 | 06/30/2025 | 1 | Long Term | $2600.00 | $2600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $60000.00 | No |  | $633.83 | $377.88 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 12.85 |  |  | 773 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051033 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $1550.00 | $2775.00 | 1025/72 | $2850.00 | Multiple Sources | $2529.21 |  | 0.000000 | 0.89 |  |  | 1.13 | 1.13 | $2529.21 |  |  | No |  |  |  | Long Term |  | $1300.00 | Yes |  |  |  | Long Term | $1550.00 | $1475.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $40100.00 | No |  | $390.85 | $449.01 | Level 3-Stated/Partially Verified | No | 1 | 5 | No | No |  | Experienced Investor |  | US Citizen |  | 788 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 5 | US Citizen |  |  | Level 3-Stated/Partially Verified | 03/28/2025 | 788 | Fair Isaac (VER. 2) | 799 | FICO Classic V5 Facta | 777 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025042716 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $4550.00 | $3925.00 | 1025/72 | $3925.00 | Third Party Rental Source | $3410.49 |  | 0.000000 | 0.87 |  |  | 1.15 | 1.15 | $3410.49 |  |  | Yes | 08/15/2024 | 08/14/2025 | 12 | Long Term | $3000.00 | $2250.00 | Yes | 01/31/2025 | 03/31/2026 | 14 | Long Term | $1550.00 | $1675.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $448.98 | $153.17 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 1.43 | US Citizen |  | 745 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/24/2025 | 720 | Fair Isaac (VER. 2) | 748 | FICO Classic V5 Facta | 745 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040359 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $3500.00 | 1004/70 | $3500.00 | Third Party Rental Source | $3877.37 |  | 0.000000 | 1.11 |  |  | 0.90 | 0.9 | $3877.37 |  |  | No |  |  |  | Long Term |  | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $337.23 | $87.00 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor |  |  |  | 727 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052142 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $4325.00 | $2800.00 | 1004/70 | $4325.00 | Rent on Existing Lease | $3924.61 |  | 0.000000 | 0.91 |  |  | 1.10 | 1.1 | $3924.61 |  |  | Yes | 07/01/2025 | 06/30/2026 | 12 | Long Term | $4325.00 | $2800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $25.00 | $744.77 | $198.83 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor |  | Non-Permanent Resident Alien |  | 705 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | Non-Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | 05/27/2025 | 692 | FICO II | 705 | Beacon 5 | 734 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025021334 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $7400.00 | 1025/72 | $7400.00 | Third Party Rental Source | $5792.88 |  | 0.000000 | 0.78 |  |  | 1.28 | 1.28 | $5792.88 |  |  | No |  |  |  | Long Term |  | $3600.00 | No |  |  |  | Long Term |  | $3800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $67500.00 | No |  | $667.53 | $253.75 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor |  |  |  | 796 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051118 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $3875.00 | $3900.00 | 1004/70 | $3900.00 | Third Party Rental Source | $3765.13 |  | 0.000000 | 0.97 |  |  | 1.04 | 1.04 | $3765.13 |  |  | Yes |  |  |  | Long Term | $3875.00 | $3900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $522.51 | $327.84 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 1.00 |  |  | 748 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050382 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $4150.00 | 1004/70 | $4150.00 | Third Party Rental Source | $2763.08 |  | 0.000000 | 0.67 |  |  | 1.50 | 1.5 | $2763.08 |  |  | No |  |  |  | Long Term |  | $4150.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $40000.00 | Yes | $266.00 | $318.00 | $108.65 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 757 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/01/2025 | 757 | Fair Isaac (VER. 2) | 766 | FICO Classic V5 Facta | 755 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040181 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $6100.00 | 1004/70 | $6100.00 | Third Party Rental Source | $6017.03 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $6017.03 |  |  | No |  |  |  | Long Term |  | $6100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $35000.00 | No |  | $1032.96 | $300.12 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor |  | US Citizen |  | 745 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 8 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/02/2025 | 745 | Fair Isaac (VER. 2) | 737 | FICO Classic V5 Facta | 756 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051863 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $7250.00 | $3500.00 | 1004/70 | $7250.00 | Rent on Existing Lease | $6884.69 |  | 0.000000 | 0.95 |  |  | 1.05 | 1.05 | $6884.69 |  |  | Yes | 07/01/2025 | 07/01/2026 | 12 | Long Term | $7250.00 | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $630.68 | $169.00 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor |  | Permanent Resident Alien |  | 742 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 04/29/2025 | 737 | Fair Isaac (VER. 2) | 748 | FICO Classic V5 Facta | 742 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050005 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $4000.00 | $4000.00 | 1004/70 | $4000.00 | Rent on Existing Lease | $3134.32 |  | 0.000000 | 0.78 |  |  | 1.28 | 1.28 | $3134.32 |  |  | Yes | 05/01/2025 | 04/30/2026 | 12 | Long Term | $4000.00 | $4000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $45000.00 | No |  | $804.44 | $207.67 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | Experienced Investor | 0.22 |  |  | 744 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051164 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1700.00 | 1004/70 | $1700.00 | Third Party Rental Source | $1282.00 |  | 0.000000 | 0.75 |  |  | 1.33 | 1.33 | $1282.00 |  |  | No |  |  |  | Long Term |  | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $14000.00 | No |  | $81.29 | $78.16 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  |  | Experienced Investor | 0.34 |  |  | 786 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050568 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $4500.00 | 1025/72 | $4500.00 | Third Party Rental Source | $4484.82 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $4484.82 |  |  | No |  |  |  | Long Term |  | $1500.00 | No |  |  |  | Long Term |  | $1000.00 | No |  |  |  | Long Term |  | $1000.00 | No |  |  |  | Long Term |  | $1000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $64000.00 | No |  | $810.40 | $306.92 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 756 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/04/2025 | 728 | Fair Isaac (VER. 2) | 756 | FICO Classic V5 Facta | 757 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051387 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2625.00 | 1004/70 | $5291.67 | Multiple Sources | $4467.50 |  | 0.000000 | 0.84 |  |  | 1.18 | 1.18 | $4467.50 |  |  | No |  |  |  | Long Term |  | $2625.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $110000.00 | No |  | $373.19 | $225.68 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 769 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/05/2025 | 762 | Fair Isaac (VER. 2) | 769 | FICO Classic V5 Facta | 782 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051401 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $1700.00 | $1950.00 | 1004/70 | $1950.00 | Third Party Rental Source | $1592.56 |  | 0.000000 | 0.82 |  |  | 1.22 | 1.22 | $1592.56 |  |  | Yes |  |  |  | Long Term | $1700.00 | $1950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $194.42 | $105.00 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 0.11 |  |  | 682 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051163 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $3500.00 | 1004/70 | $6234.42 | Multiple Sources | $5606.52 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | $5606.52 |  |  | No |  |  |  | Long Term |  | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $811.09 | $91.19 | Level 4-Stated/Verified as defined | No | 1 | 14 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 777 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/13/2025 | 777 | Fair Isaac (VER. 2) | 782 | Beacon 5 | 760 | FICO Risk Score Classic 04 | Individual | Individual | Retired | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/13/2025 | 712 | Fair Isaac (VER. 2) | 685 | Beacon 5 | 697 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051037 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $5600.00 | $5600.00 | 1025/72 | $5600.00 | Rent on Existing Lease | $5086.67 |  | 0.000000 | 0.91 |  |  | 1.10 | 1.1 | $5086.67 |  |  | Yes | 03/08/2025 | 03/08/2026 | 12 | Long Term | $1400.00 | $1400.00 | Yes | 10/15/2024 | 01/14/2026 | 15 | Long Term | $1400.00 | $1400.00 | Yes | 11/07/2024 | 11/06/2025 | 12 | Long Term | $1400.00 | $1400.00 | Yes | 10/01/2024 | 09/30/2026 | 24 | Long Term | $1400.00 | $1400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $915.92 | $216.15 | Level 3-Stated/Partially Verified | No | 1 | 3 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 778 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 5 | US Citizen |  |  | Level 3-Stated/Partially Verified | 03/10/2025 | 718 | Fair Isaac (VER. 2) | 708 | FICO Classic V5 Facta | 702 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 03/10/2025 | 778 | Fair Isaac (VER. 2) | 787 | FICO Classic V5 Facta | 774 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025030826 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $3350.00 | $6500.00 | 1025/72 | $9650.00 | Multiple Sources | $9541.21 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $9541.21 |  |  | Yes | 03/15/2024 | 06/30/2025 | 15 | Long Term | $3350.00 | $3000.00 | No |  |  |  | Long Term |  | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $583.89 | $340.58 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 3.54 | US Citizen |  | 677 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/05/2025 | 660 | Fair Isaac (VER. 2) | 677 | FICO Classic V5 Facta | 696 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052463 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $3300.00 | 1004/70 | $5466.67 | Multiple Sources | $4438.68 |  | 0.000000 | 0.81 |  |  | 1.23 | 1.23 | $4438.68 |  |  | No |  |  |  | Long Term |  | $3300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $35.83 | $455.32 | $205.69 | Level 3-Stated/Partially Verified | No | 1 | 6 | No | No |  | Experienced Investor |  | US Citizen |  | 728 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 7 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/13/2025 | 728 | Fair Isaac (VER. 2) | 690 | FICO Classic V5 Facta | 729 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025032570 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $2875.00 | $2600.00 | 1004/70 | $2600.00 | Third Party Rental Source | $2322.77 |  | 0.000000 | 0.89 |  |  | 1.12 | 1.12 | $2322.77 |  |  | Yes | 09/06/2024 | 09/30/2025 | 12 | Long Term | $2875.00 | $2600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $25760.00 | No |  | $233.67 | $280.17 | Level 1-Not Stated/Not Verified | No | 1 | 4 | No |  |  | Experienced Investor | 0.80 |  |  | 763 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Corp | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051294 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $7200.00 | 1004/70 | $7200.00 | Third Party Rental Source | $5707.07 |  | 0.000000 | 0.79 |  |  | 1.26 | 1.26 | $5707.07 |  |  | No |  |  |  | Long Term |  | $7200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $48000.00 | No |  | $591.15 | $579.45 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 1.61 |  |  | 703 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025030405 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $5125.00 | 1025/72 | $6450.43 | Multiple Sources | $6366.60 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $6366.60 |  |  | No |  |  |  | Long Term |  | $2550.00 | No |  |  |  | Long Term |  | $2575.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $85000.00 | No |  | $1230.78 | $256.75 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 30.87 |  |  | 789 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025031730 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $5000.00 | $4000.00 | 1004/70 | $5000.00 | Rent on Existing Lease | $4783.84 |  | 0.000000 | 0.96 |  |  | 1.05 | 1.05 | $4783.84 |  |  | Yes | 06/01/2025 | 05/30/2026 | 11 | Long Term | $5000.00 | $4000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $64400.00 | Yes | $15.42 | $447.58 | $266.25 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor |  |  |  | 743 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051637 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1850.00 | 1004/70 | $1850.00 | Third Party Rental Source | $1527.40 |  | 0.000000 | 0.83 |  |  | 1.21 | 1.21 | $1527.40 |  |  | No |  |  |  | Long Term |  | $1850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $23100.00 | No |  | $212.98 | $128.68 | Level 3-Stated/Partially Verified | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 756 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 5 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/13/2025 | 773 | Fair Isaac (VER. 2) | 755 | Beacon 5 | 756 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052049 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $5800.00 | 1025/72 | $5800.00 | Third Party Rental Source | $4959.44 |  | 0.000000 | 0.86 |  |  | 1.17 | 1.17 | $4959.44 |  |  | No |  |  |  | Long Term |  | $2300.00 | No |  |  |  | Long Term |  | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $68000.00 | No |  | $587.07 | $228.15 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 8.48 | US Citizen |  | 733 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/22/2025 | 733 | FICO II | 750 | Beacon 5 | 707 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050748 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $1950.00 | $1995.00 | 1004/70 | $1995.00 | Third Party Rental Source | $1992.66 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $1992.66 |  |  | Yes | 11/02/2024 | 11/30/2025 | 12 | Long Term | $1950.00 | $1995.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | Yes | $13.42 | $228.67 | $103.33 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 13.53 |  |  | 798 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 32025050299 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $3100.00 | 1025/72 | $3100.00 | Third Party Rental Source | $2503.51 |  | 0.000000 | 0.81 |  |  | 1.24 | 1.24 | $2503.51 |  |  | No |  |  |  | Long Term |  | $1550.00 | No |  |  |  | Long Term |  | $1550.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $44951.00 | Yes | $88.67 | $240.57 | $167.67 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 3.57 |  |  | 811 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 32025051662 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $6000.00 | 1004/70 | $6000.00 | Third Party Rental Source | $5980.28 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $5980.28 |  |  | No |  |  |  | Long Term |  | $6000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $225400.00 | No |  | $1395.18 | $321.50 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 682 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/05/2025 | 730 | Fair Isaac (VER. 2) | 655 | Beacon 5 | 682 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 32025051249 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $1023.00 | $1650.00 | 1004/70 | $1650.00 | Third Party Rental Source | $1621.90 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $1621.90 |  |  | Yes | 01/11/2025 | 07/31/2026 | 18 | Long Term | $1023.00 | $1650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $23000.00 | No |  | $177.61 | $120.36 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor | 1.12 |  |  | 787 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051418 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $2100.00 | $2475.00 | 1004/70 | $2475.00 | Third Party Rental Source | $1895.69 |  | 0.000000 | 0.77 |  |  | 1.31 | 1.31 | $1895.69 |  |  | Yes | 09/01/2024 | 08/31/2025 | 12 | Long Term | $2100.00 | $2475.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $383.10 | $137.08 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 18.82 | US Citizen |  | 672 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/12/2025 | 657 | Fair Isaac (VER. 2) | 731 | FICO Classic V5 Facta | 672 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051866 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1950.00 | 1004/70 | $1950.00 | Third Party Rental Source | $1768.64 |  | 0.000000 | 0.91 |  |  | 1.10 | 1.1 | $1768.64 |  |  | No |  |  |  | Long Term |  | $1950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $303.34 | $94.92 | Level 3-Stated/Partially Verified | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 701 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/07/2025 | 697 | Fair Isaac (VER. 2) | 701 | FICO Classic V5 Facta | 724 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050292 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2400.00 | 1004/70 | $2400.00 | Third Party Rental Source | $1860.26 |  | 0.000000 | 0.78 |  |  | 1.29 | 1.29 | $1860.26 |  |  | No |  |  |  | Long Term |  | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $59500.00 | No |  | $150.71 | $95.83 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 742 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/05/2025 | 751 | Fair Isaac (VER. 2) | 724 | FICO Classic V5 Facta | 742 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025031560 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | Yes | Long Term | $2900.00 | $3375.00 | 1025/72 | $3350.00 | Multiple Sources | $2066.01 |  | 0.000000 | 0.62 |  |  | 1.62 | 1.62 | $2066.01 |  |  | Yes | 06/01/2025 | 06/30/2025 | 1 | Long Term | $900.00 | $825.00 | Yes | 06/01/2025 | 06/30/2025 | 1 | Long Term | $1200.00 | $1000.00 | Yes | 06/01/2025 | 06/30/2025 | 1 | Long Term | $800.00 | $825.00 | No |  |  |  | Long Term |  | $725.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $456.36 | $335.62 | Level 1-Not Stated/Not Verified | No | 1 | 5 | No |  |  | Experienced Investor |  |  |  | 715 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051675 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2050.00 | 1004/70 | $3500.00 | Multiple Sources | $2747.12 |  | 0.000000 | 0.78 |  |  | 1.27 | 1.27 | $2747.12 |  |  | No |  |  |  | Long Term |  | $2050.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $84000.00 | Yes | $75.00 | $542.83 | $61.08 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor |  | Non-Permanent Resident Alien |  | 647 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 4 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 04/29/2025 | 635 | Fair Isaac (VER. 2) | 664 | Beacon 5 | 647 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050531 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2100.00 | 1004/70 | $2100.00 | Third Party Rental Source | $1840.74 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | $1840.74 |  |  | No |  |  |  | Long Term |  | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $205.08 | $69.26 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 0.46 |  |  | 703 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051270 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $3500.00 | 1004/70 | $3500.00 | Third Party Rental Source | $2580.03 |  | 0.000000 | 0.74 |  |  | 1.36 | 1.36 | $2580.03 |  |  | No |  |  |  | Long Term |  | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $36000.00 | No |  | $345.50 | $213.37 | Level 4-Stated/Verified as defined | No | 1 | 28 | No | No |  | Experienced Investor | 6.93 | US Citizen |  | 732 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 9 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/04/2025 | 714 | Fair Isaac (VER. 2) | 732 | Beacon 5 | 752 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051252 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2900.00 | 1004/70 | $2900.00 | Third Party Rental Source | $2255.43 |  | 0.000000 | 0.78 |  |  | 1.29 | 1.29 | $2255.43 |  |  | No |  |  |  | Long Term |  | $2900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $32500.00 | No |  | $234.09 | $247.68 | Level 4-Stated/Verified as defined | No | 1 | 28 | No | No |  | Experienced Investor | 6.65 | US Citizen |  | 732 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 8 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/04/2025 | 714 | Fair Isaac (VER. 2) | 732 | Beacon 5 | 752 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051233 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1350.00 | 1004/70 | $2133.33 | Multiple Sources | $1782.45 |  | 0.000000 | 0.84 |  |  | 1.20 | 1.2 | $1782.45 |  |  | No |  |  |  | Long Term |  | $1350.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $169.64 | $92.67 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No | No | Experienced Investor | 0.75 | US Citizen | US Citizen | 799 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/13/2025 | 820 | Fair Isaac (VER. 2) | 795 | FICO Classic V5 Facta | 799 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 06/12/2025 | 635 | Fair Isaac (VER. 2) | 653 | FICO Classic V5 Facta | 634 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050506 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $2295.00 | 1073/465 | $3878.33 | Multiple Sources | $3165.05 |  | 0.000000 | 0.82 |  |  | 1.23 | 1.23 | $3165.05 |  |  | No |  |  |  | Long Term |  | $2295.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Yes | $355.00 | $450.00 | $0.00 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 809 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/06/2025 | 829 | Fair Isaac (VER. 2) | 809 | FICO Classic V5 Facta | 796 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052722 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $8000.00 | 1004/70 | $15166.67 | Multiple Sources | $11194.30 |  | 0.000000 | 0.74 |  |  | 1.35 | 1.35 | $11194.30 |  |  | No |  |  |  | Long Term |  | $8000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $92800.00 | No |  | $1168.93 | $634.08 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 735 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 06/09/2025 | 730 | Fair Isaac (VER. 2) | 735 | FICO Classic V5 Facta | 738 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052604 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes | No | Long Term |  | $1800.00 | 1004/70 | $1800.00 | Third Party Rental Source | $1012.49 |  | 0.000000 | 0.56 |  |  | 1.78 | 1.78 | $1012.49 |  |  | No |  |  |  | Long Term |  | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $20400.00 | No |  | $129.81 | $40.53 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No | No | Experienced Investor | 0.61 | US Citizen | US Citizen | 719 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/14/2025 | 727 | Fair Isaac (VER. 2) | 719 | FICO Classic V5 Facta | 690 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/14/2025 | 692 | Fair Isaac (VER. 2) | 677 | FICO Classic V5 Facta | 725 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050279 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes |  |  |  |  |  |  |  | $1394.53 |  | 0.161739 |  |  |  |  |  | $1394.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $71.03 | $111.35 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 812 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/02/2025 | 812 | Fair Isaac (VER. 2) | 815 | Beacon 5 | 786 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025030971 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | No |  |  |  |  |  |  |  | $2508.14 |  | 0.246159 |  |  |  |  |  | $2508.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $653.00 | $249.66 | $83.36 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 5.34 | US Citizen |  | 739 | 42.72 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/06/2025 | 729 | Fair Isaac (VER. 2) | 746 | FICO Classic V5 Facta | 739 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051992 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes |  |  |  |  |  |  |  | $2133.41 |  | 0.250249 |  |  |  |  |  | $2133.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $442.81 | $170.58 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 724 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/16/2025 | 724 | Fair Isaac (VER. 2) | 719 | FICO Classic V5 Facta | 749 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050955 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | Yes |  |  |  |  |  |  |  | $6431.29 |  | 0.351898 |  |  |  |  |  | $6431.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $958.33 | $200.17 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 802 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/21/2025 | 775 | FICO II | 802 | Beacon 5 | 810 | FICO Risk Score Classic 04 | Individual | Individual | Employed | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/21/2025 | 737 | FICO II | 738 | Beacon 5 | 749 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051221 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | No |  |  |  |  |  |  |  | $8532.09 |  | 0.165567 |  |  |  |  |  | $8532.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $811.08 | $575.34 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  |  |  |  | 735 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  | Trust | Business Entity | Unemployed |  | XX |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  | Trustee | XX | XX | 6 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/08/2025 | 735 | Fair Isaac (VER. 2) | 752 | FICO Classic V5 Facta | 658 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |
| 12025051200 | XX | XX | XX |  |  | XX | XX | XX | 1/XX/2000 | No |  |  |  |  |  |  |  | $5281.03 |  | 0.056101 |  |  |  |  |  | $5281.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $896.37 | $258.13 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  |  |  |  | 748 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ASF Loan Number | **Borrower 4 Experian FICO Model Used** | **Borrower 4 Equifax FICO** | **Borrower 4 Equifax FICO Model Used** | **Borrower 4 TransUnion FICO** | **Borrower 4 TransUnion FICO Model Used** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Business Ownership Percent** | **Guarantor 1 Recourse Type** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Documentation Used to Determine Legal Residency** | **Guarantor 1 Country Name** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Employment Verification Level** | **Guarantor 1 Income Verification Level** | **Guarantor 1 FICO Model Used** | **Guarantor 1 Credit Order Date** | **Guarantor 1 Experian FICO** | **Guarantor 1 Experian FICO Model Used** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Equifax FICO Model Used** | **Guarantor 1 TransUnion FICO** | **Guarantor 1 TransUnion FICO Model Used** | **Guarantor 1 Most Recent Fico Method** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Business Ownership Percent** | **Guarantor 2 Recourse Type** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Documentation Used to Determine Legal Residency** | **Guarantor 2 Country Name** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Employment Verification Level** | **Guarantor 2 Income Verification Level** | **Guarantor 2 FICO Model Used** | **Guarantor 2 Credit Order Date** | **Guarantor 2 Experian FICO** | **Guarantor 2 Experian FICO Model Used** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Equifax FICO Model Used** | **Guarantor 2 TransUnion FICO** | **Guarantor 2 TransUnion FICO Model Used** | **Guarantor 2 Most Recent Fico Method** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 3 Business Ownership Percent** | **Guarantor 3 Recourse Type** | **Guarantor 3 Number of Mortgaged Properties** | **Guarantor 3 Citizenship** | **Guarantor 3 Documentation Used to Determine Legal Residency** | **Guarantor 3 Country Name** | **Guarantor 3 Asset Verification Level** | **Guarantor 3 Employment Verification Level** | **Guarantor 3 Income Verification Level** | **Guarantor 3 FICO Model Used** | **Guarantor 3 Credit Order Date** | **Guarantor 3 Experian FICO** | **Guarantor 3 Experian FICO Model Used** | **Guarantor 3 Equifax FICO** | **Guarantor 3 Equifax FICO Model Used** | **Guarantor 3 TransUnion FICO** | **Guarantor 3 TransUnion FICO Model Used** | **Guarantor 3 Most Recent Fico Method** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 4 Business Ownership Percent** | **Guarantor 4 Recourse Type** | **Guarantor 4 Number of Mortgaged Properties** | **Guarantor 4 Citizenship** | **Guarantor 4 Documentation Used to Determine Legal Residency** | **Guarantor 4 Country Name** | **Guarantor 4 Asset Verification Level** | **Guarantor 4 Employment Verification Level** | **Guarantor 4 Income Verification Level** | **Guarantor 4 FICO Model Used** | **Guarantor 4 Credit Order Date** | **Guarantor 4 Experian FICO** | **Guarantor 4 Experian FICO Model Used** | **Guarantor 4 Equifax FICO** | **Guarantor 4 Equifax FICO Model Used** | **Guarantor 4 TransUnion FICO** | **Guarantor 4 TransUnion FICO Model Used** | **Guarantor 4 Most Recent Fico Method** | **Authorized Signor 1 First Name** | **Authorized Signor 1 Last Name** | **Authorized Signor 2 First Name** | **Authorized Signor 2 Last Name** | **Member 1 First Name** | **Member 1 Last Name** | **Member 1 Documentation Used to Determine Legal Residency** | **Member 1 Credit Order Date** | **Member 1 Experian FICO** | **Member 1 Experian FICO Model Used** | **Member 1 Equifax FICO** | **Member 1 Equifax FICO Model Used** | **Member 1 TransUnion FICO** | **Member 1 TransUnion FICO Model Used** | **Member 1 Asset Verification Level** | **Member 1 Employment Verification Level** | **Member 1 Income Verification Level** | **Member 2 First Name** | **Member 2 Last Name** | **Member 2 Documentation Used to Determine Legal Residency** | **Member 2 Credit Order Date** | **Member 2 Experian FICO** | **Member 2 Experian FICO Model Used** | **Member 2 Equifax FICO** | **Member 2 Equifax FICO Model Used** | **Member 2 TransUnion FICO** | **Member 2 TransUnion FICO Model Used** | **Member 2 Asset Verification Level** | **Member 2 Employment Verification Level** | **Member 2 Income Verification Level** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Investment Property Original As Is LTV** | **As Is Value** | **After Repair Value** | **After Repair Value LTV** | **Loan to Cost** | **Original Sales Price** | **Assignment Fee** | **Loan to Purchase Price** | **SBC Occupancy** | **Investment Property Type** | **Has Dutch Interest** | **Interest Reserves Escrowed** | **Guarantor 1 ITIN Flag** | **Guarantor 2 ITIN Flag** | **Guarantor 3 ITIN Flag** | **Guarantor 4 ITIN Flag** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025021845 |  |  |  |  |  | Yes | XX | XX | 40.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic |  |  |  |  |  |  |  |  | XX | XX | 60.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/04/2025 | 751 | Fair Isaac (VER. 2) | 786 | FICO Classic V5 Facta | 767 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1958 | 1021 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 118.750% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025022088 |  |  |  |  |  | Yes | XX | XX | 20.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic |  |  |  |  |  |  |  |  | XX | XX | 80.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 02/25/2025 | 743 | Fair Isaac (VER. 2) | 750 | FICO Classic V5 Facta | 741 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1971 | 1538 | 2 | 2 | C2 |  | $0.00 |  |  |  |  |  |  |  | 65.000% | XX |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025031129 |  |  |  |  |  | Yes | XX | XX | 55.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/16/2024 | 674 | Fair Isaac (VER. 2) | 770 | Beacon 5 | 772 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 1942 | 1655 | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 79.032% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025042189 |  |  |  |  |  | Yes | XX | XX | 30.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic |  |  |  |  |  |  |  |  | XX | XX | 30.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/24/2025 | 678 | Fair Isaac (VER. 2) | 667 | FICO Classic V5 Facta | 660 | FICO Risk Score Classic 04 | 3 | XX | XX | 40.000% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/18/2025 | 825 | Fair Isaac (VER. 2) | 808 | FICO Classic V5 Facta | 815 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 3 | 1877 | 3643 | 7 | 3 | Excellent |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 207.589% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400091108 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2024 | 1717 | 3 | 2 | C1 | XX |  | $41973.52 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400095900 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 1915 | 2200 | 4 | 3.1 | Good |  |  | $36375.19 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400091279 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2006 | 2124 | 3 | 2 | C3 | XX |  | $23586.48 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400104748 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2008 | 1092 | 2 | 2.1 | C3 | XX |  | $43088.94 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400090935 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2016 | 1938 | 4 | 2 | C2 | XX | $0.00 |  |  |  |  |  |  |  | 35.392% | XX |  |  | 37.302% |  |  | 37.302% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400093689 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1951 | 868 | 4 | 1 | C2 | XX | $0.00 |  |  |  |  |  |  |  | 77.895% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400103320 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1955 | 962 | 3 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400103240 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1985 | 1273 | 2 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 70.000% |  |  | 70.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400103248 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 2004 | 3446 | 8 | 4 | C4 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400103309 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified |  |  | Classic | 12/21/2024 | 813 | Fair Isaac (VER. 2) | 752 | FICO Classic V5 Facta | 793 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1986 | 2046 | 4 | 3 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 78.851% | XX |  |  | 78.853% |  |  | 78.853% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025020858 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2025 | 1495 | 3 | 2 | C1 | XX | $0.00 | $3000.00 |  |  |  |  |  |  | 74.211% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041018 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/11/2025 | 749 | FICO II | 752 | Beacon 5 | 734 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1955 | 958 | 3 | 1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 65.000% | XX |  |  | 65.000% |  |  | 65.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025032271 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2000 | 2366 | 3 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 64.990% | XX |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041443 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/16/2025 | 778 | FICO II | 782 | Beacon 5 | 760 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1920 | 1137 | 3 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 500.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041771 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/05/2025 | 791 | Fair Isaac (VER. 2) | 776 | FICO Classic V5 Facta | 796 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 2 | 1900 | 2470 | 6 | 2 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 81.345% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041923 |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 01/20/2025 | 754 | Fair Isaac (VER. 2) | 699 | FICO Classic V5 Facta | 714 | FICO Risk Score Classic 04 | 3 | XX | XX | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 01/20/2025 | 755 | Fair Isaac (VER. 2) | 751 | FICO Classic V5 Facta | 734 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 3 | 1900 | 2098 | 6 | 3 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 82.216% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040736 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 1930 | 2099 | 5 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 47.826% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025021853 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/25/2025 | 758 | Fair Isaac (VER. 2) | 781 | FICO Classic V5 Facta | 776 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 3 | 2004 | 3300 | 11 | 5 | Good |  | $0.00 |  |  |  |  |  |  |  | 62.174% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025042109 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/23/2025 | 794 | Fair Isaac (VER. 2) | 791 | FICO Classic V5 Facta | 795 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1984 | 1429 | 2 | 1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051328 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2025 | 1599 | 3 | 2.1 | C1 | XX | $0.00 |  |  |  |  |  |  |  | 78.363% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041183 |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 1 | Foreign National |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  | XX | XX | 50.00% | Full Recourse | 1 | Foreign National |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2023 | 2616 | 5 | 4 | C2 |  | $0.00 |  |  |  |  |  |  |  | 44.444% | XX |  |  | 44.444% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025031411 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/02/2025 | 796 | Fair Isaac (VER. 2) | 776 | FICO Classic V5 Facta | 788 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2024 | 3587 | 4 | 4.1 | C1 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051354 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1973 | 968 | 2 | 1.1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 50.000% | XX |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050282 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2025 | 1200 | 2 | 2.1 | C1 | XX | $0.00 |  |  |  |  |  |  |  | 64.191% | XX |  |  | 65.000% |  |  | 65.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041165 |  |  |  |  |  | Yes | XX | XX |  | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/10/2025 | 778 | Fair Isaac (VER. 2) | 744 | FICO Classic V5 Facta | 733 | FICO Risk Score Classic 04 | 3 | XX | XX | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/10/2025 | 801 | Fair Isaac (VER. 2) | 779 | FICO Classic V5 Facta | 737 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 3 | 2024 | 926 | 7 | 7 | C2 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 993.750% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025042091 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2007 | 812 | 1 | 1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 69.125% | XX |  |  | 70.000% |  |  | 70.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051337 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/14/2025 | 777 | Fair Isaac (VER. 2) | 726 | FICO Classic V5 Facta | 714 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 2 | 1930 | 2352 | 4 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 72.394% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050778 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 3 | Non-Permanent Resident Alien |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/14/2025 | 745 | Fair Isaac (VER. 2) | 751 | FICO Classic V5 Facta | 743 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1952 | 2050 | 5 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 72.727% | XX |  |  | 172.973% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025042125 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/23/2025 | 787 | Fair Isaac (VER. 2) | 780 | FICO Classic V5 Facta | 759 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1920 | 652 | 3 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 64.516% | XX |  |  | 133.333% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051550 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2016 | 2804 | 4 | 2.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040289 |  |  |  |  |  | Yes | XX | XX | 33.33% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/25/2025 | 775 | Fair Isaac (VER. 2) | 804 | FICO Classic V5 Facta | 800 | FICO Risk Score Classic 04 | 3 | XX | XX | 33.33% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/25/2025 | 789 | Fair Isaac (VER. 2) | 789 | FICO Classic V5 Facta | 763 | FICO Risk Score Classic 04 | 3 | XX | XX | 33.330% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/25/2025 | 743 | Fair Isaac (VER. 2) | 713 | FICO Classic V5 Facta | 741 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1949 | 1728 | 4 | 2 | C4 |  | $0.00 |  |  |  |  |  |  |  | 50.794% | XX |  |  | 61.538% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052626 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2007 | 2542 | 4 | 3 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 74.750% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025020012 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 02/27/2025 | 756 | Fair Isaac (VER. 2) | 769 | FICO Classic V5 Facta | 781 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2020 | 580 | 1 | 1 | C1 |  | $0.00 |  |  |  |  |  |  |  | 60.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025042409 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/31/2025 | 652 | Fair Isaac (VER. 2) | 723 | FICO Classic V5 Facta | 703 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2025 | 1645 | 3 | 2 | C1 | XX | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 32025051897 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 2 | 1920 | 2546 | 6 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 76.712% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025030471 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/03/2025 | 770 | Fair Isaac (VER. 2) | 758 | FICO Classic V5 Facta | 743 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 1961 | 1609 | 4 | 3 | C2 |  | $0.00 |  |  |  |  |  |  |  | 85.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050860 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1952 | 2516 | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051840 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1972 | 1780 | 3 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 69.800% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025060467 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1978 | 1860 | 2 | 2 | C2 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 119.795% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051292 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | 05/06/2025 | 717 | Fair Isaac (VER. 2) | 717 | FICO Classic V5 Facta | 738 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 1940 | 1352 | 4 | 2 | C3 |  | $0.00 | $416.67 |  |  |  |  |  |  | 80.000% | XX |  |  | 92.903% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051014 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2007 | 1045 | 1 | 1 | C3 | XX | $0.00 | $2043.10 |  |  |  |  |  |  | 75.000% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052434 |  |  |  |  |  | Yes | XX | XX | 80.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | 05/19/2025 | 732 | Fair Isaac (VER. 2) | 737 | FICO Classic V5 Facta | 743 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1965 | 1449 | 3 | 2.1 | C3 |  | $0.00 | $1213.50 |  |  |  |  |  |  | 75.000% | XX |  |  | 156.081% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052176 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2014 | 2446 | 4 | 3.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 84.267% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025060270 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 6 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/22/2025 | 763 | Fair Isaac (VER. 2) | 754 | FICO Classic V5 Facta | 711 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1900 | 1680 | 4 | 1 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 82.875% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051839 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | 05/20/2025 | 718 | FICO II | 686 | Beacon 5 | 701 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2000 | 2540 | 4 | 2.1 | C3 | XX | $0.00 | $856.98 |  |  |  |  |  |  | 80.000% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025032203 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2003 | 1312 | 3 | 2.1 | C3 | XX | $0.00 | $1250.00 |  |  |  |  |  |  | 83.211% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025060575 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | 05/29/2025 | 699 | Fair Isaac (VER. 2) | 706 | FICO Classic V5 Facta | 741 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1955 | 1276 | 3 | 2 | C2 |  | $0.00 | $1666.67 |  |  |  |  |  |  | 80.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050563 |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | 04/24/2025 | 660 | Fair Isaac (VER. 2) | 648 | FICO Classic V5 Facta | 690 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1975 | 1812 | 3 | 3 | C3 |  | $0.00 | $1250.00 |  |  |  |  |  |  | 70.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040972 |  |  |  |  |  | Yes | XX | XX | 33.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/10/2025 | 632 | Fair Isaac (VER. 2) | 595 | FICO Classic V5 Facta | 610 | FICO Risk Score Classic 04 | 3 | XX | XX | 33.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/10/2025 | 798 | Fair Isaac (VER. 2) | 792 | FICO Classic V5 Facta | 817 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1959 | 2890 | 3 | 2.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 72.561% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041046 |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 3 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/14/2025 | 721 | Fair Isaac (VER. 2) | 753 | FICO Classic V5 Facta | 776 | FICO Risk Score Classic 04 | 3 | XX | XX | 50.00% | Full Recourse | 3 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | 04/14/2025 | 653 | Fair Isaac (VER. 2) | 686 | FICO Classic V5 Facta | 685 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1979 | 1338 | 3 | 2 | C2 |  | $0.00 | $683.33 |  |  |  |  |  |  | 85.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052348 |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/27/2025 | 735 | Fair Isaac (VER. 2) | 722 | FICO Classic V5 Facta | 740 | FICO Risk Score Classic 04 | 3 | XX | XX | 50.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/27/2025 | 729 | Fair Isaac (VER. 2) | 739 | FICO Classic V5 Facta | 701 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1972 | 1023 | 2 | 2 | C2 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052451 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/15/2025 | 737 | Fair Isaac (VER. 2) | 770 | FICO Classic V5 Facta | 734 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2017 | 3936 | 5 | 4 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 77.876% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050990 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2024 | 838 | 1 | 1 | C2 |  | $0.00 |  |  |  |  |  |  |  | 41.176% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051368 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | 05/14/2025 | 790 | Fair Isaac (VER. 2) | 788 | FICO Classic V5 Facta | 774 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1988 | 1706 | 3 | 2 | C2 |  | $0.00 | $562.02 |  |  |  |  |  |  | 85.000% | XX |  |  | 140.135% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052501 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1962 | 786 | 2 | 1.1 | C4 | XX | $0.00 | $843.58 |  |  |  |  |  |  | 79.727% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025060330 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 5 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/04/2025 | 727 | Fair Isaac (VER. 2) | 764 | FICO Classic V5 Facta | 750 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 2 | 1962 | 2749 | 4 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 73.826% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052756 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/14/2025 | 742 | Fair Isaac (VER. 2) | 753 | FICO Classic V5 Facta | 736 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1958 | 3529 | 4 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 64.967% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025042044 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/11/2025 | 793 | FICO II | 726 | Beacon 5 | 740 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 1890 | 1312 | 5 | 2.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 85.000% | XX |  |  | 106.250% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052093 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 7 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | 05/19/2025 | 686 | Fair Isaac (VER. 2) | 674 | FICO Classic V5 Facta | 707 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2025 | 572 | 1 | 1 | C1 | XX | $0.00 | $1666.67 |  |  |  |  |  |  | 68.458% | XX |  |  | 70.000% |  |  | 70.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040823 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/09/2025 | 719 | FICO II | 722 | Beacon 5 | 690 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 2004 | 2080 | 4 | 2.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052513 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/11/2025 | 756 | Fair Isaac (VER. 2) | 784 | FICO Classic V5 Facta | 794 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1964 | 2362 | 5 | 5 | C2 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052687 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1962 | 2070 | 4 | 2.1 | C4 | XX | $0.00 | $3078.33 |  |  |  |  |  |  | 69.466% | XX |  |  | 70.000% |  |  | 70.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052830 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2009 | 1593 | 3 | 2.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 79.719% |  |  | 79.719% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040748 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 1984 | 3636 | 6 | 4 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 158.508% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052587 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 2-Stated/Not Verified | Classic | 04/30/2025 | 726 | FICO II | 724 | Beacon 5 | 732 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 2 | 1950 | 1896 | 5 | 2.1 | C3 | XX | $0.00 | $3083.33 |  |  |  |  |  |  | 80.000% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025060266 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 4 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/04/2025 | 754 | Fair Isaac (VER. 2) | 738 | FICO Classic V5 Facta | 748 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1986 | 998 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 143.077% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051690 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1965 | 2226 | 4 | 2.1 | C3 | XX | $0.00 | $9166.67 |  |  |  |  |  |  | 80.000% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051346 |  |  |  |  |  | Yes | XX | XX |  | Full Recourse | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | 03/19/2025 | 790 | Fair Isaac (VER. 2) | 769 | FICO Classic V5 Facta | 801 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1974 | 812 | 2 | 1.1 | C3 |  | $0.00 | $1641.67 |  |  |  |  |  |  | 70.000% | XX |  |  | 88.619% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025060948 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2019 | 1416 | 3 | 3 | C2 | XX | $0.00 | $1250.00 |  |  |  |  |  |  | 70.000% | XX |  |  | 70.000% |  |  | 70.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052879 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | 05/31/2025 | 737 | Fair Isaac (VER. 2) | 728 | FICO Classic V5 Facta | 727 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1966 | 2822 | 4 | 3 | C2 |  | $0.00 | $2892.43 |  |  |  |  |  |  | 78.783% | XX |  |  | 101.798% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050339 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2009 | 2197 | 4 | 2.1 | C2 | XX | $0.00 |  |  |  |  |  |  |  | 79.266% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025060877 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 2 | 1986 | 2172 | 6 | 4 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 79.439% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052581 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1992 | 1541 | 3 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 74.718% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052272 |  |  |  |  |  | Yes | XX | XX |  | Full Recourse | 2 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | 05/27/2025 | 775 | FICO II | 780 | Beacon 5 | 793 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1961 | 2097 | 4 | 3 | C3 |  | $0.00 | $833.33 |  |  |  |  |  |  | 79.978% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025020129 |  |  |  |  |  | Yes | XX | XX |  | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 02/03/2025 | 697 | Fair Isaac (VER. 2) | 734 | FICO Classic V5 Facta | 711 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2024 | 1200 | 2 | 1 | C1 |  |  | $30396.42 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025032614 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 03/26/2025 | 682 | Fair Isaac (VER. 2) | 699 | FICO Classic V5 Facta | 668 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2023 | 2069 | 3 | 3.1 | C1 |  |  | $193147.31 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041859 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1969 | 1797 | 4 | 2 | C3 | XX |  | $30013.79 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052077 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1952 | 1296 | 3 | 2 | C3 |  |  | $64031.93 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040895 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1954 | 2853 | 5 | 5 | C3 | XX |  | $442123.66 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025061250 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2005 | 3357 | 5 | 3 | C4 | XX |  | $25615.46 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040899 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1952 | 1910 | 3 | 2 | C3 | XX |  | $442123.66 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052643 |  |  |  |  |  | Yes | XX | XX | 51.00% | Full Recourse | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 04/10/2025 | 762 | Fair Isaac (VER. 2) | 743 | FICO Classic V5 Facta | 748 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1952 | 3896 | 7 | 3 | C3 | XX |  | $272881.78 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051223 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 6 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 05/08/2025 | 776 | Fair Isaac (VER. 2) | 752 | FICO Classic V5 Facta | 685 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 1956 | 3060 | 6 | 4 | C4 | XX |  | $442123.66 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050867 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 10 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 05/09/2025 | 762 | FICO II | 783 | Beacon 5 | 755 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1988 | 3038 | 5 | 4 | C3 |  |  | $147567.49 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041778 |  |  |  |  |  | Yes | XX | XX |  | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 04/21/2025 | 775 | Fair Isaac (VER. 2) | 783 | FICO Classic V5 Facta | 797 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2007 | 2268 | 4 | 3.1 | C3 | XX |  | $31277.23 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025060965 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2006 | 1200 | 2 | 2 | C4 | XX |  | $18138.18 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 32025052803 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1945 | 603 | 1 | 1 | C2 | XX |  | $9517.33 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025060770 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1955 | 2510 | 4 | 2 | C3 |  |  | $65788.19 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025060355 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1959 | 1546 | 3 | 2 | C4 | XX |  | $74011.72 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 32025051498 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 1915 | 2250 | 6 | 2 | C4 | XX |  | $13665.83 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025030307 |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 2-Stated/Not Verified | Classic | 03/06/2025 | 790 | FICO II | 785 | Beacon 5 | 793 | FICO Risk Score Classic 04 | 3 | XX | XX | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/05/2025 | 650 | Fair Isaac | 671 | Beacon 5 | 664 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2025 | 3523 | 5 | 4.1 | C1 |  | $0.00 | $2994.18 |  |  |  |  |  |  | 74.584% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025030310 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | 02/13/2025 | 736 | Fair Isaac (VER. 2) | 756 | Beacon 5 | 690 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2008 | 1425 | 3 | 2 | C3 |  | $0.00 | $341.67 |  |  |  |  |  |  | 70.000% | XX |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041448 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/21/2025 | 778 | FICO II | 782 | Beacon 5 | 760 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1928 | 1163 | 3 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 260.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041453 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/21/2025 | 778 | FICO II | 782 | Beacon 5 | 760 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1926 | 1024 | 3 | 1 | C2 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 316.667% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041419 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/16/2025 | 778 | FICO II | 782 | Beacon 5 | 760 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1905 | 1248 | 3 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 652.174% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041256 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/11/2025 | 763 | Fair Isaac (VER. 2) | 728 | FICO Classic V5 Facta | 744 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 2 | 1980 | 2626 | 4 | 2.4 | Average | XX | $0.00 |  |  |  |  |  |  |  | 83.347% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040434 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 2 | 1930 | 2168 | 4 | 3 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 62.333% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041300 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 4 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/11/2025 | 763 | Fair Isaac (VER. 2) | 728 | FICO Classic V5 Facta | 744 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 2 | 1981 | 2626 | 4 | 2.2 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 83.347% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041724 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 02/19/2025 | 740 | Fair Isaac (VER. 2) | 757 | FICO Classic V5 Facta | 754 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1940 | 994 | 2 | 1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 82.690% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025031108 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 5 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/14/2025 | 731 | FICO II | 710 | Beacon 5 | 714 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1960 | 1317 | 3 | 1.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 120.968% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041950 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/21/2025 | 752 | Fair Isaac (VER. 2) | 777 | Beacon 5 | 770 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1978 | 1581 | 3 | 2 | C4 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 124.101% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050315 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 10 | Permanent Resident Alien |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/06/2025 | 802 | Fair Isaac (VER. 2) | 809 | FICO Classic V5 Facta | 756 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1988 | 1122 | 3 | 1.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025030172 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1964 | 1235 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 56.479% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051688 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1980 | 1896 | 3 | 2 | C4 |  | $0.00 |  |  |  |  |  |  |  | 61.800% | XX |  |  | 75.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050606 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/30/2025 | 763 | Fair Isaac (VER. 2) | 748 | FICO Classic V5 Facta | 753 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1965 | 1586 | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050682 |  |  |  |  |  | Yes | XX | XX | 81.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/07/2025 | 830 | Fair Isaac (VER. 2) | 786 | FICO Classic V5 Facta | 797 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 3 | 1925 | 2982 | 7 | 3 | Average |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041133 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 7 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/17/2025 | 736 | Fair Isaac (VER. 2) | 770 | FICO Classic V5 Facta | 745 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1962 | 706 | 2 | 1 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 82.000% | XX |  |  | 82.000% |  |  | 82.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041136 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 7 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/17/2025 | 736 | Fair Isaac (VER. 2) | 770 | FICO Classic V5 Facta | 745 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1962 | 706 | 2 | 1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 82.000% | XX |  |  | 82.000% |  |  | 82.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041075 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 7 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/17/2025 | 736 | Fair Isaac (VER. 2) | 770 | FICO Classic V5 Facta | 745 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1962 | 706 | 2 | 1 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 81.349% | XX |  |  | 81.000% |  |  | 81.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051051 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1959 | 1673 | 2 | 2 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 60.000% | XX |  |  | 60.000% |  |  | 60.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041138 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 7 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/17/2025 | 736 | Fair Isaac (VER. 2) | 770 | FICO Classic V5 Facta | 745 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 2 | 1962 | 1634 | 4 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 85.000% | XX |  |  | 77.959% |  |  | 77.959% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050307 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2004 | 1296 | 3 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 60.268% | XX |  |  | 61.927% |  |  | 61.927% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041381 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/27/2025 | 765 | Fair Isaac (VER. 2) | 763 | FICO Classic V5 Facta | 744 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1961 | 1268 | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 124.367% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040873 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1955 | 1141 | 3 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.313% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051567 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1979 | 2124 | 3 | 2 | C2 | XX | $0.00 | $4250.00 |  |  |  |  |  |  | 78.298% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051752 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/30/2025 | 734 | Fair Isaac (VER. 2) | 767 | FICO Classic V5 Facta | 770 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 3 | 2003 | 3150 | 6 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 54.902% | XX |  |  | 305.677% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 32025031412 |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/06/2025 | 760 | Fair Isaac (VER. 2) | 787 | FICO Classic V5 Facta | 763 | FICO Risk Score Classic 04 | 3 | XX | XX | 50.00% | Full Recourse | 4 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/06/2025 | 710 | Fair Isaac (VER. 2) | 665 | FICO Classic V5 Facta | 660 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 2 | 1925 | 719 | 3 | 2 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 82.202% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050132 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/14/2025 | 698 | Fair Isaac (VER. 2) | 673 | FICO Classic V5 Facta | 681 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1925 | 1224 | 5 | 2 | C2 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050293 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1973 | 1006 | 2 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 74.292% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040738 |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 8 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/18/2025 | 758 | Fair Isaac (VER. 2) | 742 | FICO Classic V5 Facta | 792 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2007 | 1218 | 2 | 1.1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 8.190% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041715 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1947 | 1310 | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 65.886% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050125 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/01/2025 | 779 | Fair Isaac (VER. 2) | 770 | FICO Classic V5 Facta | 760 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2025 | 1320 | 3 | 2 | C1 |  | $0.00 |  |  |  |  |  |  |  | 64.990% | XX |  |  | 312.452% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051541 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2002 | 3192 | 5 | 4 | C3 |  | $0.00 |  |  |  |  |  |  |  | 47.753% | XX |  |  | 77.273% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040685 |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 8 | Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/18/2025 | 758 | Fair Isaac (VER. 2) | 742 | FICO Classic V5 Facta | 792 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2007 | 1192 | 2 | 1.1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 8.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025032020 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1958 | 2743 | 5 | 5 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 115.461% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051194 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1925 | 1594 | 3 | 1 | C4 | XX | $0.00 | $1850.00 |  |  |  |  |  |  | 78.533% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050159 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 1959 | 2920 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 138.982% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050721 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2001 | 2098 | 4 | 2.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 191.171% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025042776 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 1935 | 1758 | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 132.857% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025041884 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 2 | 1900 | 1965 | 2 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 77.091% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050905 |  |  |  |  |  | Yes | XX | XX | 25.00% | Full Recourse | 3 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/30/2025 | 755 | Fair Isaac (VER. 2) | 753 | FICO Classic V5 Facta | 760 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1977 | 762 | 2 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 68.372% | XX |  |  | 70.000% |  |  | 70.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050135 |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | 04/04/2025 | 734 | Fair Isaac (VER. 2) | 725 | FICO Classic V5 Facta | 742 | FICO Risk Score Classic 04 | 3 | XX | XX | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/04/2025 | 781 | Fair Isaac (VER. 2) | 788 | FICO Classic V5 Facta | 808 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 2 | 1926 | 1766 | 3 | 2 | C3 | XX | $0.00 | $1916.67 |  |  |  |  |  |  | 80.000% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051520 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1978 | 1395 | 3 | 2 | C4 | XX | $0.00 | $416.67 |  |  |  |  |  |  | 71.667% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025032490 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/21/2025 | 744 | Fair Isaac (VER. 2) | 759 | Beacon 5 | 759 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1950 | 866 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 73.427% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051409 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/15/2025 | 729 | FICO II | 764 | Beacon 5 | 768 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1922 | 1375 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051512 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2024 | 2715 | 4 | 3 | C2 | XX | $0.00 | $716.67 |  |  |  |  |  |  | 73.368% | XX |  |  | 73.753% |  |  | 73.753% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050868 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 3 | Permanent Resident Alien |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/09/2025 | 695 | Fair Isaac (VER. 2) | 708 | FICO Classic V5 Facta | 725 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1900 | 1743 | 5 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 126.563% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025032557 |  |  |  |  |  | Yes | XX | XX | 51.00% | Full Recourse | 4 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/14/2025 | 784 | Fair Isaac (VER. 2) | 798 | FICO Classic V5 Facta | 817 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1954 | 1846 | 4 | 2.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 70.536% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051551 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2024 | 1545 | 3 | 2 | C1 |  | $0.00 |  |  |  |  |  |  |  | 69.930% | XX |  |  | 69.541% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025031057 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2000 | 1901 | 3 | 2 | C4 |  | $0.00 |  |  |  |  |  |  |  | 60.706% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050011 |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 2 | Non-Permanent Resident Alien |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/01/2025 | 755 | FICO II | 751 | Beacon 5 | 746 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1953 | 1332 | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 312.667% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050607 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/14/2025 | 741 | FICO II | 763 | Beacon 5 | 754 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 3 | 1910 | 2799 | 7 | 3 | Good |  | $0.00 |  |  |  |  |  |  |  | 85.000% | XX |  |  | 136.636% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050390 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1995 | 1211 | 3 | 2 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 69.767% |  |  | 69.767% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025042020 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/23/2025 | 745 | Fair Isaac (VER. 2) | 768 | FICO Classic V5 Facta | 741 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1970 | 2825 | 6 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 84.365% | XX |  |  | 189.869% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040161 |  |  |  |  |  | Yes | XX | XX | 90.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/02/2025 | 763 | Fair Isaac (VER. 2) | 783 | FICO Classic V5 Facta | 773 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 2003 | 2678 | 6 | 4 | C3 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051033 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 2 | 1982 | 2052 | 4 | 2.2 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 85.000% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025042716 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 1912 | 2226 | 6 | 3 | C2 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 147.925% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040359 |  |  |  |  |  | Yes | XX | XX | 82.00% | Full Recourse | 1 | Non-Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/19/2025 | 720 | FICO II | 757 | Beacon 5 | 727 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1899 | 1260 | 3 | 1.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052142 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2025 | 3727 | 5 | 4 | C1 | XX | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025021334 |  |  |  |  |  | Yes | XX | XX | 25.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 02/17/2025 | 809 | Fair Isaac (VER. 2) | 796 | FICO Classic V5 Facta | 764 | FICO Risk Score Classic 04 | 3 | XX | XX | 25.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/28/2025 | 765 | Fair Isaac (VER. 2) | 799 | FICO Classic V5 Facta | 779 | FICO Risk Score Classic 04 | 3 | XX | XX | 50.000% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/28/2025 | 683 | Fair Isaac (VER. 2) | 776 | FICO Classic V5 Facta | 689 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 2 | 1965 | 3006 | 7 | 3 | Average | XX | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051118 |  |  |  |  |  | Yes | XX | XX |  | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/08/2025 | 748 | Fair Isaac (VER. 2) | 748 | FICO Classic V5 Facta | 726 | FICO Risk Score Classic 04 | 3 | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/08/2025 | 575 | Fair Isaac (VER. 2) | 590 | FICO Classic V5 Facta | 611 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1957 | 1475 | 4 | 2 | C2 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 103.077% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050382 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2025 | 2112 | 5 | 2.1 | C1 | XX | $0.00 |  |  |  |  |  |  |  | 81.408% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025040181 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1976 | 2712 | 4 | 3 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 85.000% | XX |  |  | 82.477% |  |  | 82.477% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051863 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1979 | 1530 | 3 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 79.289% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050005 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/01/2025 | 756 | FICO II | 744 | Beacon 5 | 728 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1950 | 1629 | 3 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 59.772% | XX |  |  | 79.747% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051164 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/12/2025 | 786 | FICO II | 802 | Beacon 5 | 782 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1900 | 1260 | 2 | 1 | C2 |  | $0.00 |  |  |  |  |  |  |  | 85.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050568 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 4 | 1916 | 2910 | 5 | 5 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 81.748% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051387 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2003 | 2553 | 4 | 3 | C3 | XX | $0.00 | $2666.67 |  |  |  |  |  |  | 66.667% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051401 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 7 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/15/2025 | 787 | Fair Isaac (VER. 2) | 682 | FICO Classic V5 Facta | 677 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1940 | 1052 | 3 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051163 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1989 | 2064 | 3 | 2 | C3 | XX | $0.00 | $2734.42 |  |  |  |  |  |  | 75.000% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051037 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 4 | 1941 | 2852 | 4 | 4 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 78.857% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025030826 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 1925 | 2317 | 3 | 2 | Good |  | $0.00 | $3150.00 |  |  |  |  |  |  | 70.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052463 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2006 | 2443 | 4 | 3 | C4 | XX | $0.00 | $2166.67 |  |  |  |  |  |  | 75.000% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025032570 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/27/2025 | 765 | Fair Isaac (VER. 2) | 763 | FICO Classic V5 Facta | 744 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1962 | 1470 | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 78.509% | XX |  |  | 99.444% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051294 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/14/2025 | 717 | FICO II | 672 | Beacon 5 | 703 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1926 | 1142 | 2 | 2 | C2 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 164.198% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025030405 |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/04/2025 | 775 | Fair Isaac (VER. 2) | 789 | FICO Classic V5 Facta | 798 | FICO Risk Score Classic 04 | 3 | XX | XX | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | 03/04/2025 | 734 | Fair Isaac (VER. 2) | 712 | FICO Classic V5 Facta | 748 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 1919 | 2454 | 4 | 2 | C4 |  | $0.00 | $1325.43 |  |  |  |  |  |  | 70.000% | XX |  |  | 286.638% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025031730 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/17/2025 | 743 | Fair Isaac (VER. 2) | 732 | Beacon 5 | 763 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2025 | 2815 | 4 | 3 | C1 | XX | $0.00 |  |  |  |  |  |  |  | 79.886% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051637 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1977 | 1216 | 2 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 77.193% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052049 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 1950 | 2340 | 5 | 2.1 | Good |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050748 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 6 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/08/2025 | 804 | Fair Isaac (VER. 2) | 782 | FICO Classic V5 Facta | 798 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2005 | 2200 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.697% | XX |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 32025050299 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/05/2025 | 820 | Fair Isaac (VER. 2) | 811 | FICO Classic V5 Facta | 779 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 2023 | 2344 | 4 | 4 | C2 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 32025051662 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1989 | 3266 | 4 | 2.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 62.500% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 32025051249 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/14/2025 | 787 | Fair Isaac (VER. 2) | 794 | FICO Classic V5 Facta | 761 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1958 | 1210 | 3 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051418 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1917 | 1262 | 3 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 69.818% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051866 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1955 | 1796 | 4 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 67.500% | XX |  |  | 70.000% |  |  | 70.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050292 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1940 | 853 | 2 | 1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 78.759% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025031560 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 4 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/05/2025 | 715 | Fair Isaac (VER. 2) | 694 | FICO Classic V5 Facta | 776 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 4 | 1956 | 2816 | 6 | 4.1 | Average | XX | $0.00 |  |  |  |  |  |  |  | 76.596% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051675 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2025 | 1492 | 3 | 2 | C1 | XX | $0.00 | $1450.00 |  |  |  |  |  |  | 68.541% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050531 |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/31/2025 | 652 | Fair Isaac (VER. 2) | 723 | FICO Classic V5 Facta | 703 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2024 | 1782 | 4 | 2 | C1 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051270 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2025 | 1806 | 4 | 2 | C1 |  | $0.00 |  |  |  |  |  |  |  | 50.000% | XX |  |  | 2500.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051252 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1990 | 1359 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 50.485% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051233 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1898 | 982 | 2 | 1 | C3 |  | $0.00 | $783.33 |  |  |  |  |  |  | 70.175% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050506 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1971 | 754 | 2 | 1 | C3 | XX | $0.00 | $1583.33 |  |  |  |  |  |  | 74.806% | XX |  |  | 74.460% |  |  | 74.460% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052722 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1927 | 1872 | 2 | 2 | C3 | XX | $0.00 | $7166.67 |  |  |  |  |  |  | 80.000% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025052604 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2000 | 1272 | 3 | 1.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 40.453% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050279 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1960 | 944 | 2 | 1 | C3 | XX |  | $23115.61 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025030971 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1970 | 868 | 1 | 1.1 | C3 |  |  | $28875.06 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051992 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1971 | 1451 | 3 | 2 | C4 | XX |  | $31990.08 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025050955 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 1949 | 2110 | 6 | 4 | Average | XX |  | $16502.42 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051221 |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1935 | 2096 | 3 | 2 | C3 | XX |  | $442123.66 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12025051200 |  |  |  |  |  | Yes | XX | XX | 51.00% | Full Recourse | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 04/10/2025 | 762 | Fair Isaac (VER. 2) | 743 | FICO Classic V5 Facta | 748 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1954 | 4094 | 10 | 4 | C3 | XX |  | $272881.76 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 5**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | ![](ex99-1sch5_001.jpg) | ![](ex99-1sch5_001.jpg) | ![](ex99-1sch5_001.jpg) |  |  |  |  |  |  |  |
|  | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** |  |  |  |  |  |
|  | **Run Date - 9/16/2025 11:40:38 AM** | **Run Date - 9/16/2025 11:40:38 AM** | **Run Date - 9/16/2025 11:40:38 AM** |  |  |  |  |  |  |  |
| ASF Loan Number | **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 32025051897 | XX | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.21 | 1.22 | Verified | Rounding |
| 32025051498 | XX | XX | XX |  |  | Representative FICO | 730 | 722 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 32025050620 | XX | XX | XX |  |  | Original LTV | 80.52 | 85 | Verified | Field Value matches the Approval Value of 85%. |
| 32025050299 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 32025050299 | XX | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.16 | 1.24 | Verified | Monthly market rent $3,100. PITIA $2,503.51. Calculated DSCR 1.2382. |
| 32025042092 | XX | XX | XX |  |  | Representative FICO | 704 | 678 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 32025042092 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 32025031412 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025060948 | XX | XX | XX |  |  | Borrower First Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025060948 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025060688 | XX | XX | XX |  |  | Original LTV | 78.35 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 12025060642 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025060642 | XX | XX | XX |  |  | Original LTV | 73.38 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 12025060359 | XX | XX | XX |  |  | Representative FICO | 687 | 692 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 12025060330 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025060330 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 12025060270 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025060270 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 12025060270 | XX | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.19 | Verified | DSCR=Market rent/ Monthly PITIA;2400/2021.76=1.187084 |
| 12025060184 | XX | XX | XX |  |  | Original LTV | 74.84 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 12025052879 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025052756 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025052722 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Bid Tape Field Value is not provided. |
| 12025052687 | XX | XX | XX |  |  | Representative FICO | 754 | 744 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 12025052645 | XX | XX | XX |  |  | Original LTV | 77.58 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 12025052643 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025052598 | XX | XX | XX |  |  | Original LTV | 59.77 | 70 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 12025052587 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025052513 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025052501 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 12025052451 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025052434 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025052348 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025052348 | XX | XX | XX |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 12025052272 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025052272 | XX | XX | XX |  |  | LTV Valuation Value | XX | XX | Verified | Field value reflects source document |
| 12025052093 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025052093 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 12025052093 | XX | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.23 | 1.24 | Verified | Field value reflects source document |
| 12025052077 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025051839 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025051839 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 12025051839 | XX | XX | XX |  |  | Subject Debt Service Coverage Ratio | 0.97 | 0.95 | Verified | DSCR=$3456.98/$3619.96=0.95 |
| 12025051752 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025051599 | XX | XX | XX |  |  | Original LTV | 46.95 | 49.26095 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 12025051567 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 12025051551 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025051409 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025051401 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025051368 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025051368 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 12025051368 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 12025051368 | XX | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.05 | 1.06 | Verified | Field value reflects source document |
| 12025051346 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025051337 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025051307 | XX | XX | XX |  |  | Borrower First Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025051307 | XX | XX | XX |  |  | Original LTV | 68.29 | 70 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 12025051294 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025051294 | XX | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.11 | 1.26 | Verified | Calculated DSCR: rent $7200 / PITIA $5,707.07 = 1.26%. Rent and PITIA used, matches what lender provided on the 1003. |
| 12025051292 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025051223 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025051200 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025051189 | XX | XX | XX |  |  | Representative FICO | 749 | 698 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 12025051164 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025051051 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | The Bid Tape Field Value was not provided. |
| 12025051051 | XX | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.33 | 1.34 | Verified | Rounding. |
| 12025051033 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 12025051033 | XX | XX | XX |  |  | Original Interest Rate | 7.25 | 7.125 | Verified | Field Value reflects the Note value |
| 12025051033 | XX | XX | XX |  |  | Original P&I | 1710.56 | 1689.35 | Verified | Field Value reflects Note value |
| 12025051033 | XX | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.15 | 1.13 | Verified | Field value DSCR calculated using the lease rent from unit 2 and market rent for unit 1. |
| 12025050990 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 12025050990 | XX | XX | XX |  |  | Subject Debt Service Coverage Ratio | 0.90 | 0.91 | Verified | Field value reflects source document |
| 12025050905 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025050905 | XX | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.33 | 1.88 | Verified | Field value was calculated using 80% of the STR from the 1008. $4400.00\*.80=$3520.00. Bid Tape field was calculated using $2500.00 as the rent amount. |
| 12025050868 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025050861 | XX | XX | XX |  |  | Original LTV | 70.92 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 12025050860 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Refinance transaction |
| 12025050793 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 12025050778 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025050682 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025050682 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 12025050682 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 12025050607 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025050563 | XX | XX | XX |  |  | City | XX | XX | Verified | Field Value reflects City per Note |
| 12025050563 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025050563 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 12025050563 | XX | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.02 | 0.97 | Verified | Field value reflects source document |
| 12025050531 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025050531 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | The Bid Tape Field Value was not provided. |
| 12025050506 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 12025050506 | XX | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.22 | 1.23 | Verified | Field value reflects source document |
| 12025050382 | XX | XX | XX |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 12025050377 | XX | XX | XX |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 12025050315 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025050315 | XX | XX | XX |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 12025050315 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 12025050292 | XX | XX | XX |  |  | Representative FICO | 751 | 742 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 12025050135 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025050132 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025050125 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025050011 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025050005 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025042529 | XX | XX | XX |  |  | Original LTV | 73.9 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 12025042409 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025042189 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025042125 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025042109 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025042109 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | The Bid Tape Field Value was not provided. |
| 12025042109 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 12025042109 | XX | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.05 | 1.06 | Verified | Rounding |
| 12025042044 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025042044 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 12025042044 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Due to refinance |
| 12025042044 | XX | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.26 | 1.30 | Verified | Due to round off |
| 12025042020 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025041950 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025041923 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025041859 | XX | XX | XX |  |  | Representative FICO | 785 | 804 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 12025041778 | XX | XX | XX |  |  | Original LTV | 77.07 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 12025041771 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025041724 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025041724 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 12025041453 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025041448 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 12025041443 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025041419 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025041300 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025041256 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025041256 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 12025041256 | XX | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.11 | Verified | The lender used $1,800 to qualify the loan per the loan application; however, the market rent is $2,000. |
| 12025041183 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025041183 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | The Bid Tape Field Value was not provided |
| 12025041183 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Previous purchase price |
| 12025041183 | XX | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.26 | Verified | Qualifying Rent $8,800 / P&I of 4,350.42, HOI of $1,182.93, flood insurance $90.08, and taxes of $1,335.00 |
| 12025041165 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025041138 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025041138 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 12025041046 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025041018 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025041018 | XX | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.20 | 0.77 | Verified | Field value Calc - $3450.00/$4476.12=0.77. Per 1003 lender used same rent amount with higher PITIA amount of $5072.60 which would put the DSCR at 0.64. |
| 12025040972 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025040895 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025040823 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025040738 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025040685 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025040685 | XX | XX | XX |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 12025040359 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025040359 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 12025040289 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the Approval/AUS |
| 12025040161 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025032614 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025032614 | XX | XX | XX |  |  | Appraised Value | XX | XX | Verified | Field Value captured from Valuation model in file |
| 12025032570 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025032557 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025032557 | XX | XX | XX |  |  | LTV Valuation Value | XX | XX | Verified | Field value reflects source document |
| 12025032203 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 12025031730 | XX | XX | XX |  |  | LTV Valuation Value | XX | XX | Verified | Field value reflects source document |
| 12025031411 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025031411 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 12025031411 | XX | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 12025031411 | XX | XX | XX |  |  | Original Interest Rate | 6.999 | 7.625 | Verified | Field Value reflects the Note value |
| 12025031411 | XX | XX | XX |  |  | Original P&I | 3113.30 | 3312.47 | Verified | Field Value reflects Note value |
| 12025031411 | XX | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.48 | 0.85 | Verified | Bid tape utilizes prior 1007 reflecting $5,800 market rent. Current transaction utilizes market rent from subject appraisal dated 4/xx/25. Calculated DSCR: Market rent $3,500 / PITIA $4110.72 = .8514%. |
| 12025031220 | XX | XX | XX |  |  | Representative FICO | 791 | 802 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 12025031129 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025031108 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025030797 | XX | XX | XX |  |  | Borrower First Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025030797 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025030797 | XX | XX | XX |  |  | Appraised Value | XX | XX | Verified | Field Value captured from Valuation model in file |
| 12025030471 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025030405 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025030307 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025022088 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025021853 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025021853 | XX | XX | XX |  |  | Representative FICO | 772 | 776 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 12025021845 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025021845 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 12025021334 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025020129 | XX | XX | XX |  |  | Borrower First Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025020129 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025020129 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 12025020022 | XX | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 12025020012 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025011233 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 12025010717 | XX | XX | XX |  |  | Street | XX | XX | Verified | Field Value reflects Street per Note |
| 400091279 | XX | XX | XX |  |  | Original LTV | 71.91 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 400093632 | XX | XX | XX |  |  | Property Type | Condo (Low Rise) | Site Condo | Verified | Changed per recent update. |
| 400093632 | XX | XX | XX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Verified with 1008. |
| 400093743 | XX | XX | XX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 400093743 | XX | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 31 | 41.67002 | Verified | DTI matches lender 10008 |
| 400093689 | XX | XX | XX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 400093689 | XX | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | DSCR |
| 400093689 | XX | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.27 | Verified | $1,800 Income/$1,422.01 PITIA |
| 400104737 | XX | XX | XX |  |  | Borrower SSN | XX | XX | Verified | Field Value verified by application or other documentation in file |
| 400104737 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 400104737 | XX | XX | XX |  |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 400104737 | XX | XX | XX |  |  | Amortization Term |  | 480 | Verified | Field Value reflects Amortization Term per Note |
| 400104737 | XX | XX | XX |  |  | Maturity Date |  | XX | Verified | Field Value reflects Maturity Date per the Note |
| 400104737 | XX | XX | XX |  |  | Original P&I |  | 7440.27 | Verified | Field Value reflects Note value |
| 400104737 | XX | XX | XX |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 400104737 | XX | XX | XX |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| 400104737 | XX | XX | XX |  |  | Doc Type |  | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 400104737 | XX | XX | XX |  |  | Appraisal Effective Date |  | XX | Verified | Tape Value reflects Appraisal Date |
| 400104737 | XX | XX | XX |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
| 400104737 | XX | XX | XX |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| 400104737 | XX | XX | XX |  |  | Cash From Borrower |  | 282399.86 | Verified | Field value reflects source document |
| 400104737 | XX | XX | XX |  |  | Total Income |  | 38037.10 | Verified | Field value reflects source document |
| 400104737 | XX | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 50 | 45.89845 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 400104737 | XX | XX | XX |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
| 400104737 | XX | XX | XX |  |  | PITIA Reserves Months | 9.00 | 69.81 | Verified | Field value reflects source document |
| 400104737 | XX | XX | XX |  |  | Universal Loan Identifier (ULI) |  | XX | Verified | Field value reflects source document |
| 400104737 | XX | XX | XX |  |  | Appraisal As-Is Value | XX | XX | Verified | Field value reflects source document |
| 400104764 | XX | XX | XX |  |  | Borrower SSN | XX | XX | Verified | Field Value verified by application or other documentation in file |
| 400104764 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 400104764 | XX | XX | XX |  |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 400104764 | XX | XX | XX |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 400104764 | XX | XX | XX |  |  | Maturity Date |  | XX | Verified | Field Value reflects Maturity Date per the Note |
| 400104764 | XX | XX | XX |  |  | Original P&I |  | 7337.65 | Verified | Field Value reflects Note value |
| 400104764 | XX | XX | XX |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| 400104764 | XX | XX | XX |  |  | Doc Type |  | 1yr P&L w/o Bank Statements | Verified | Field Value reflects documentation located in origination file |
| 400104764 | XX | XX | XX |  |  | Appraisal Effective Date |  | XX | Verified | Tape Value reflects Appraisal Date |
| 400104764 | XX | XX | XX |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
| 400104764 | XX | XX | XX |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| 400104764 | XX | XX | XX |  |  | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 400104764 | XX | XX | XX |  |  | Cash From Borrower |  | 263462.05 | Verified | Field value reflects source document |
| 400104764 | XX | XX | XX |  |  | Total Income |  | 27933.67 | Verified | Field value reflects source document |
| 400104764 | XX | XX | XX |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
| 400104764 | XX | XX | XX |  |  | PITIA Reserves Months | 9.00 | 27.31 | Verified | Field value reflects source document |
| 400104764 | XX | XX | XX |  |  | Universal Loan Identifier (ULI) |  | XX | Verified | Field value reflects source document |
| 400104764 | XX | XX | XX |  |  | Appraisal As-Is Value | XX | XX | Verified | Unable to verify due to missing information |
| 400103303 | XX | XX | XX |  |  | Borrower SSN | XX | XX | Verified | Field Value verified by application or other documentation in file |
| 400103303 | XX | XX | XX |  |  | Coborrower Last Name | XX | XX | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 400103303 | XX | XX | XX |  |  | Coborrower SSN | XX | XX | Verified | Field Value verified by application or other documentation in file |
| 400103303 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 400103303 | XX | XX | XX |  |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 400103303 | XX | XX | XX |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 400103303 | XX | XX | XX |  |  | Maturity Date |  | XX | Verified | Field Value reflects Maturity Date per the Note |
| 400103303 | XX | XX | XX |  |  | Original P&I |  | 9710.93 | Verified | Field Value reflects Note value |
| 400103303 | XX | XX | XX |  |  | Representative FICO | 742 | 791 |  |  |
| 400103303 | XX | XX | XX |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| 400103303 | XX | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects doc Type reflected on the Approval/AUS |
| 400103303 | XX | XX | XX |  |  | Appraisal Effective Date |  | XX | Verified | Tape Value reflects Appraisal Date |
| 400103303 | XX | XX | XX |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
| 400103303 | XX | XX | XX |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| 400103303 | XX | XX | XX |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 400103303 | XX | XX | XX |  |  | Cash From Borrower |  | 344170.67 | Verified | Field value reflects source document |
| 400103303 | XX | XX | XX |  |  | Total Income |  | 40983.97 | Verified | Field value reflects source document |
| 400103303 | XX | XX | XX |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
| 400103303 | XX | XX | XX |  |  | PITIA Reserves Months | 9.00 | 5.12 | Verified | Field value reflects source document |
| 400103303 | XX | XX | XX |  |  | Universal Loan Identifier (ULI) |  | XX | Verified | Field value reflects source document |
| 400103303 | XX | XX | XX |  |  | Appraisal As-Is Value | XX | XX | Verified | Unable to verify due to missing information |
| 400104734 | XX | XX | XX |  |  | Borrower SSN | XX | XX | Verified | Field Value verified by application or other documentation in file |
| 400104734 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 400104734 | XX | XX | XX |  |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 400104734 | XX | XX | XX |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 400104734 | XX | XX | XX |  |  | Maturity Date |  | XX | Verified | Field Value reflects Maturity Date per the Note |
| 400104734 | XX | XX | XX |  |  | Original P&I |  | 2458.73 | Verified | Field Value reflects Note value |
| 400104734 | XX | XX | XX |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| 400104734 | XX | XX | XX |  |  | Doc Type | Alt | Asset Depletion | Verified | Field Value reflects documentation located in origination file |
| 400104734 | XX | XX | XX |  |  | Appraisal Effective Date |  | XX | Verified | Tape Value reflects Appraisal Date |
| 400104734 | XX | XX | XX |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
| 400104734 | XX | XX | XX |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| 400104734 | XX | XX | XX |  |  | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 400104734 | XX | XX | XX |  |  | Cash From Borrower |  | 85879.08 | Verified | Field value reflects source document |
| 400104734 | XX | XX | XX |  |  | Total Income |  | 13529.07 | Verified | Field value reflects source document |
| 400104734 | XX | XX | XX |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
| 400104734 | XX | XX | XX |  |  | PITIA Reserves Months | 6.00 | 241.15 | Verified | Field value reflects source document |
| 400104734 | XX | XX | XX |  |  | Universal Loan Identifier (ULI) |  | XX | Verified | Field value reflects source document |
| 400104734 | XX | XX | XX |  |  | Appraisal As-Is Value | XX | XX | Verified | Field value reflects source document |
| 400104748 | XX | XX | XX |  |  | Borrower SSN | XX | XX | Verified | Field Value verified by application or other documentation in file |
| 400104748 | XX | XX | XX |  |  | Coborrower Last Name | XX | XX | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 400104748 | XX | XX | XX |  |  | Coborrower SSN | XX | XX | Verified | Field Value verified by application or other documentation in file |
| 400104748 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 400104748 | XX | XX | XX |  |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 400104748 | XX | XX | XX |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 400104748 | XX | XX | XX |  |  | Maturity Date |  | XX | Verified | Field Value reflects Maturity Date per the Note |
| 400104748 | XX | XX | XX |  |  | Original P&I |  | 3358.18 | Verified | Field Value reflects Note value |
| 400104748 | XX | XX | XX |  |  | Representative FICO | 781 | 797 |  |  |
| 400104748 | XX | XX | XX |  |  | Property Type |  | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 400104748 | XX | XX | XX |  |  | Interest Only |  | 0 | Verified | Field value reflects source document |
| 400104748 | XX | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 400104748 | XX | XX | XX |  |  | Appraisal Effective Date |  | XX | Verified | Tape Value reflects Appraisal Date |
| 400104748 | XX | XX | XX |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
| 400104748 | XX | XX | XX |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| 400104748 | XX | XX | XX |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 400104748 | XX | XX | XX |  |  | Cash From Borrower |  | 166890.64 | Verified | Field value reflects source document |
| 400104748 | XX | XX | XX |  |  | Total Income |  | 43088.94 | Verified | Field value reflects source document |
| 400104748 | XX | XX | XX |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
| 400104748 | XX | XX | XX |  |  | PITIA Reserves Months | 22.00 | 11.03 | Verified | Field value reflects source document |
| 400104748 | XX | XX | XX |  |  | Universal Loan Identifier (ULI) |  | XX | Verified | Field value reflects source document |
| 400104748 | XX | XX | XX |  |  | Appraisal As-Is Value | XX | XX | Verified | Field value reflects source document |
| 400091108 | XX | XX | XX |  |  | Street | XX | XX | Verified | Field Value reflects Street per Note |
| 400091108 | XX | XX | XX |  |  | Borrower SSN | XX | XX | Verified | Field Value verified by application or other documentation in file |
| 400091108 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 400091108 | XX | XX | XX |  |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 400091108 | XX | XX | XX |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 400091108 | XX | XX | XX |  |  | Maturity Date |  | XX | Verified | Field Value reflects Maturity Date per the Note |
| 400091108 | XX | XX | XX |  |  | Original P&I |  | 2830.67 | Verified | Field Value reflects Note value |
| 400091108 | XX | XX | XX |  |  | Property Type |  | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 400091108 | XX | XX | XX |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| 400091108 | XX | XX | XX |  |  | Doc Type |  | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 400091108 | XX | XX | XX |  |  | Appraisal Effective Date |  | XX | Verified | Tape Value reflects Appraisal Date |
| 400091108 | XX | XX | XX |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
| 400091108 | XX | XX | XX |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| 400091108 | XX | XX | XX |  |  | Cash From Borrower |  | 122306.68 | Verified | Field value reflects source document |
| 400091108 | XX | XX | XX |  |  | Total Income |  | 43245.19 | Verified | Field value reflects source document |
| 400091108 | XX | XX | XX |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
| 400091108 | XX | XX | XX |  |  | PITIA Reserves Months | 6.00 | 29.50 | Verified | Field value reflects source document |
| 400091108 | XX | XX | XX |  |  | Universal Loan Identifier (ULI) |  | XX | Verified | Field value reflects source document |
| 400091108 | XX | XX | XX |  |  | Appraisal As-Is Value | XX | XX | Verified | Field value reflects source document |
| 400095900 | XX | XX | XX |  |  | Borrower SSN | XX | XX | Verified | Field Value verified by application or other documentation in file |
| 400095900 | XX | XX | XX |  |  | Coborrower Last Name | XX | XX | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 400095900 | XX | XX | XX |  |  | Coborrower SSN | XX | XX | Verified | Field Value verified by application or other documentation in file |
| 400095900 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 400095900 | XX | XX | XX |  |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 400095900 | XX | XX | XX |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 400095900 | XX | XX | XX |  |  | Maturity Date |  | XX | Verified | Field Value reflects Maturity Date per the Note |
| 400095900 | XX | XX | XX |  |  | Original P&I |  | 15025.33 | Verified | Field Value reflects Note value |
| 400095900 | XX | XX | XX |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| 400095900 | XX | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 400095900 | XX | XX | XX |  |  | Cash To Borrower | 383920.42 | 371267.64 | Verified | Field value reflects source document |
| 400095900 | XX | XX | XX |  |  | Appraisal Effective Date |  | XX | Verified | Tape Value reflects Appraisal Date |
| 400095900 | XX | XX | XX |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
| 400095900 | XX | XX | XX |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| 400095900 | XX | XX | XX |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 400095900 | XX | XX | XX |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 400095900 | XX | XX | XX |  |  | Total Income |  | 36375.19 | Verified | Field value reflects source document |
| 400095900 | XX | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 36.117 | 49.58737 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 400095900 | XX | XX | XX |  |  | Original HLTV |  | 66.66667 | Verified | Field value reflects source document |
| 400095900 | XX | XX | XX |  |  | PITIA Reserves Months | 9.00 | 23.78 | Verified | Field value reflects source document |
| 400095900 | XX | XX | XX |  |  | Universal Loan Identifier (ULI) |  | XX | Verified | Field value reflects source document |
| 400095900 | XX | XX | XX |  |  | Last Property Transfer Date |  | 2022-06-02 | Verified | Field value reflects source document |
| 400095900 | XX | XX | XX |  |  | Loan Property Count | 2 | 1 | Verified | Field value reflects source document |
| 400095900 | XX | XX | XX |  |  | Appraisal As-Is Value | XX | XX | Verified | Field value reflects source document |
| 400094443 | XX | XX | XX |  |  | Street | XX | XX | Verified | Field Value reflects Street per Note |
| 400094443 | XX | XX | XX |  |  | Borrower SSN | XX | XX | Verified | Field Value verified by application or other documentation in file |
| 400094443 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 400094443 | XX | XX | XX |  |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 400094443 | XX | XX | XX |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 400094443 | XX | XX | XX |  |  | Maturity Date |  | XX | Verified | Field Value reflects Maturity Date per the Note |
| 400094443 | XX | XX | XX |  |  | Original P&I |  | 922.29 | Verified | Field Value reflects Note value |
| 400094443 | XX | XX | XX |  |  | Property Type |  | Condo (Low Rise) | Verified | Field Value reflects the Approval/AUS in file. |
| 400094443 | XX | XX | XX |  |  | Interest Only |  | 0 | Verified | Unable to verify due to missing information |
| 400094443 | XX | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 400094443 | XX | XX | XX |  |  | Appraisal Effective Date |  | XX | Verified | Tape Value reflects Appraisal Date |
| 400094443 | XX | XX | XX |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
| 400094443 | XX | XX | XX |  |  | Neg Am |  | 0 | Verified | Unable to verify due to missing information |
| 400094443 | XX | XX | XX |  |  | Cash From Borrower |  | 42656.94 | Verified | Unable to verify due to missing information |
| 400094443 | XX | XX | XX |  |  | Total Income |  | 4345.25 | Verified | Field value reflects source document |
| 400094443 | XX | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 48.67 | 45.97365 | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
| 400094443 | XX | XX | XX |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
| 400094443 | XX | XX | XX |  |  | PITIA Reserves Months | 6.00 | 25.09 | Verified | Field value reflects source document |
| 400094443 | XX | XX | XX |  |  | Universal Loan Identifier (ULI) |  | XX | Verified | Field value reflects source document |
| 400094443 | XX | XX | XX |  |  | Appraisal As-Is Value | XX | XX | Verified | Unable to verify due to missing information |
| 400089416 | XX | XX | XX |  |  | Borrower SSN | XX | XX | Verified | Field Value verified by application or other documentation in file |
| 400089416 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 400089416 | XX | XX | XX |  |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 400089416 | XX | XX | XX |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 400089416 | XX | XX | XX |  |  | Maturity Date |  | XX | Verified | Field Value reflects Maturity Date per the Note |
| 400089416 | XX | XX | XX |  |  | Original P&I |  | 10616.91 | Verified | Field Value reflects Note value |
| 400089416 | XX | XX | XX |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| 400089416 | XX | XX | XX |  |  | Doc Type |  | 12mo CPA P&L | Verified | Field Value reflects documentation located in origination file |
| 400089416 | XX | XX | XX |  |  | Appraisal Effective Date |  | XX | Verified | Tape Value reflects Appraisal Date |
| 400089416 | XX | XX | XX |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
| 400089416 | XX | XX | XX |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| 400089416 | XX | XX | XX |  |  | Cash From Borrower |  | 758037.69 | Verified | Field value reflects source document |
| 400089416 | XX | XX | XX |  |  | Total Income |  | 67184.90 | Verified | Field value reflects source document |
| 400089416 | XX | XX | XX |  |  | Original HLTV |  | 67.41573 | Verified | Field value reflects source document |
| 400089416 | XX | XX | XX |  |  | PITIA Reserves Months | 10.00 | 11.26 | Verified | Field value reflects source document |
| 400089416 | XX | XX | XX |  |  | Universal Loan Identifier (ULI) |  | XX | Verified | Field value reflects source document |
| 400089416 | XX | XX | XX |  |  | Appraisal As-Is Value | XX | XX | Verified | Unable to verify due to missing information |
| 400103320 | XX | XX | XX |  |  | Borrower First Name | XX | XX | Verified | Unable to verify due to missing information |
| 400103320 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 400103320 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Refinance |
| 400103309 | XX | XX | XX |  |  | Borrower First Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 400103309 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 400103257 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 400103248 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 400103248 | XX | XX | XX |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |

---

## Exhibit 99.2

**Exhibit 99.2**

![](ex99-2_001.jpg) **

 ****

 

 **

![](ex99-2_002.jpg)

**EXECUTIVE SUMMARY**

**NRMLT 2025-NQM5**

**SEPTEMBER 18, 2025**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

0 \| P a g e

![](ex99-2_001.jpg)

**TABLE OF CONTENTS**

---

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

---

 ****

 ****

1 \| P a g e

![](ex99-2_001.jpg)

**INFINITY BIOGRAPHY**

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

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

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

2 \| P a g e

![](ex99-2_001.jpg)

**DESESCRIPTION OF THE DUE DILIGENCE PERFORMED**

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

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

The Review population is comprised of two hundred and forty-two (242) mortgage loans that were originally reviewed from February 2025 to August 2025.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Compliance Review" 123 <sup>1</sup> Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Credit Review" 242 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Property Review" 242 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Data Integrity" 242 Mortgage Loans

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

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

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

For two hundred and forty-two (242) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

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

---

1 One hundred and nineteen (119) exempt loans were not subject to a compliance review and did not receive a compliance grade.

3 \| P a g e

![](ex99-2_001.jpg)

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

Infinity conducted a credit review for two hundred and forty-two (242) mortgage loans. At that time, Infinity reviewed the asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

There were 20 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

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

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

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

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

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

4 \| P a g e

![](ex99-2_001.jpg)

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

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

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

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

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

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

5 \| P a g e

![](ex99-2_001.jpg)

**Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for sixty-eight (68) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet, (v) reviewed HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements, (vi) reviewed LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s), (vii) reviewed Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures, (xiii) compared the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

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

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for two hundred and forty-two (242) mortgage loans. For these two hundred and forty-two (242) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

6 \| P a g e

![](ex99-2_001.jpg)

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

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

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

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

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

Infinity completed a Compliance Review on one hundred and twenty-three (123) mortgage loans. Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

7 \| P a g e

![](ex99-2_001.jpg)

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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).

8 \| P a g e

![](ex99-2_001.jpg)

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

9 \| P a g e

![](ex99-2_001.jpg)

**(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.

10 \| P a g e

![](ex99-2_001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

11 \| P a g e

![](ex99-2_001.jpg)

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

 

 

12 \| P a g e

![](ex99-2_001.jpg)

 

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

 

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

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

 

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

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

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

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

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

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

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

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

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

**(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;**

13 \| P a g e

![](ex99-2_001.jpg)

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

14 \| P a g e

![](ex99-2_001.jpg)

&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.

15 \| P a g e

![](ex99-2_001.jpg)

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL RESULTS SUMMARY (242 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers two hundred and forty-two (242) mortgage loans. Within those mortgage loans, Infinity graded two hundred and twenty-one (221) mortgage loans as "A" and twenty-one (21) mortgage loans as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;123 | &nbsp;&nbsp;221 | &nbsp;&nbsp;242 | &nbsp;&nbsp;221 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 |
| &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;**S&P Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;91.32% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;91.32% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8.68% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8.68% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;123 | &nbsp;&nbsp;221 | &nbsp;&nbsp;242 | &nbsp;&nbsp;221 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;91.32% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;91.32% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8.68% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8.68% |
| &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% |

---

16 \| P a g e

![](ex99-2_001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (242 MORTGAGE LOANS)**

Of the two hundred and forty-two (242) mortgage loans reviewed, 20 (8.26%) mortgage loans had tape discrepancies across three (3) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;B1 Self-Employed? | &nbsp;&nbsp;3 | &nbsp;&nbsp;242 | &nbsp;&nbsp;1.24% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;242 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;Residual Income | &nbsp;&nbsp;17 | &nbsp;&nbsp;242 | &nbsp;&nbsp;7.02% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (242 MORTGAGE LOANS)**

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;242 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$125436318.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**242** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$125436318.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;242 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$125436318.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**242** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$125436318.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi- purpose/Unknown | &nbsp;&nbsp;56 | &nbsp;&nbsp;23.14% | &nbsp;&nbsp;$24459275.00 | &nbsp;&nbsp;19.50% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;24 | &nbsp;&nbsp;9.92% | &nbsp;&nbsp;$12698130.00 | &nbsp;&nbsp;10.12% |
| &nbsp;&nbsp;Other than first time Home Purchase | &nbsp;&nbsp;144 | &nbsp;&nbsp;59.50% | &nbsp;&nbsp;$74316922.00 | &nbsp;&nbsp;59.25% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower initiated | &nbsp;&nbsp;18 | &nbsp;&nbsp;7.44% | &nbsp;&nbsp;$13961991.00 | &nbsp;&nbsp;11.13% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**242** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$125436318.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;15 | &nbsp;&nbsp;6.20% | &nbsp;&nbsp;$7867134.00 | &nbsp;&nbsp;6.27% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;227 | &nbsp;&nbsp;93.80% | &nbsp;&nbsp;$117569184.00 | &nbsp;&nbsp;93.73% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**242** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$125436318.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;109 | &nbsp;&nbsp;45.04% | &nbsp;&nbsp;$71035283.00 | &nbsp;&nbsp;56.63% |
| &nbsp;&nbsp;Secondary | &nbsp;&nbsp;14 | &nbsp;&nbsp;5.79% | &nbsp;&nbsp;$7819110.00 | &nbsp;&nbsp;6.23% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;119 | &nbsp;&nbsp;49.17% | &nbsp;&nbsp;$46581925.00 | &nbsp;&nbsp;37.14% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**242** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$125436318.00** | &nbsp;&nbsp;**100.00%** |

---

**Exhibit A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;Newrez SmartEdge Product Summary 4-24-25.pdf |
| &nbsp;&nbsp;Newrez SmartSelf Bank Statement and 1099 Product Summary 4-24-25.pdf |
| &nbsp;&nbsp;Newrez SmartVest Product Summary 4-24-25.pdf |
| &nbsp;&nbsp;Smart Vest Product 1-23-25.pdf |
| &nbsp;&nbsp;SmartEdge and SmartEdge ITIN Product Summary 10-22-24.pdf |
| &nbsp;&nbsp;SmartEdge Product Profile 12-20-24.pdf |
| &nbsp;&nbsp;SmartEdge Product Summary 5-30-25.pdf |
| &nbsp;&nbsp;SmartEdge Product Summary Correspondent 4-24-25.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement and 1099 Product Summary - 10-22-24.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement and 1099 Product Summary 01-23-25.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement and 1099 Product Summary 07-11-24.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement, 1099 and P&L Product Summary 5-30-25.pdf |
| &nbsp;&nbsp;SmartSelf Product Profile 12-20-24.pdf |
| &nbsp;&nbsp;SmartSelf Product Profile 5-30-25 - Correspondent only.pdf |
| &nbsp;&nbsp;SmartSelf Product Summary Correspondent 4-24-25.pdf |
| &nbsp;&nbsp;SmartSelf Product Summary_Correspondent 10-17-24.pdf |
| &nbsp;&nbsp;SmartVest Product Profile 12-24-25.pdf |
| &nbsp;&nbsp;SmartVest Product Profile 5-30-25 - Correspondent only.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 5-30-25.pdf |
| &nbsp;&nbsp;SmartVest Product Summary Correspondent 4-24-25.pdf |

---

18 \| P a g e

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| ASF Loan Number | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| 214329393 | XX | XX |  | 12/XX/2024 | XX | XX | XX | XX | 12/XX/2024 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 12/XX/2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.6 |
| 214464562 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 4/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 3.5 |
| 214561334 | XX | XX |  | 05/XX/2025 | XX | Not Applicable | XX | XX | 02/XX/2025 | 2090 Individual Cooperative Interest Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 03/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 214649188 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 214650988 | XX | XX |  | 03/XX/2025 | XX | Not Applicable | XX | XX | 01/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -2.041% | XX | 01/XX/2025 |  |  |  |  |  |  |  |  |  |  | XX | XX | 8.163% | XX | 01/XX/2025 | Not Applicable | Not Applicable | Not Applicable |
| 214671398 | XX | XX |  | 05/XX/2025 | XX | Not Applicable | XX | XX | 02/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 214673881 | XX | XX |  | 05/XX/2025 | XX | Not Applicable | XX | XX | 03/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 03/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 4.2 |
| 214761124 | XX | XX |  | 04/XX/2025 | XX | Not Applicable | XX | XX | 03/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 4.4 |
| 214796070 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 214801854 | XX | XX |  | 04/XX/2025 | XX | Not Applicable | XX | XX | 02/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 03/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 214818163 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 03/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 03/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.6 |
| 214836678 | XX | XX |  | 04/XX/2025 | XX | XX | XX | XX | 03/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | 24.260% | XX | 03/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 214836843 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 4 |
| 214854127 | XX | XX |  | 04/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 214857039 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 215017468 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 215028101 | XX | XX |  | 05/XX/2025 | XX | Not Applicable | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 3.1 |
| 215049966 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2 | 1.7 |
| 215070855 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -1.293% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 215071028 | XX | XX |  | 05/XX/2025 | XX | Not Applicable | XX | XX | 02/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -2.788% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 215072893 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 4 |
| 215073941 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 4.4 |
| 215075060 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 215077744 | XX | XX |  | 05/XX/2025 | XX | Not Applicable | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 3.1 |
| 215077900 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 215083908 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2 |
| 215084849 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 215086786 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 215089921 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 215091299 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 215101312 | XX | XX |  | 05/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.6 |
| 215102724 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 215105586 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 215108580 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.4 |
| 215111634 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 215116971 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 215120288 | XX | XX |  | 05/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 215124165 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 215124785 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | XX | -1.304% | XX | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.2 |
| 215134487 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.6 |
| 215145376 | XX | XX |  | 07/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  | XX | XX | 10.462% | XX | 05/XX/2025 | No | 5 | 3.9 |
| 215146788 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 215148974 | XX | XX |  | 05/XX/2025 | XX | Not Applicable | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2 | 1 |
| 215149022 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 215149238 | XX | XX |  | 05/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 215150491 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.4 |
| 215177502 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | XX | -2.548% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 215177908 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 3.5 |
| 215180902 | XX | XX |  | 05/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 0.152% | XX | 01/XX/2025 | No | 5 | 3.2 |
| 215186099 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.7 |
| 215189242 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 215193459 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 3.1 |
| 215196668 | XX | XX |  | 05/XX/2025 | XX | Not Applicable | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 3.6 |
| 215204348 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.6 |
| 215206103 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 3.4 |
| 215206269 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.4 |
| 215207739 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 215224593 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.7 |
| 215226499 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 215238304 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.6 |
| 215249582 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 215260431 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.1 | 1.7 |
| 215267840 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.5 |
| 215268269 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 215333857 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 215338476 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 3.5 |
| 215340621 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 215362807 | XX | XX |  | 07/XX/2025 | XX | Not Applicable | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 4.5 |
| 215395310 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 9704590547 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 9704920553 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 9705518851 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 3 |
| 9706628261 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.6 |
| 9707697422 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.9 |
| 9709409222 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 9709778097 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 9710429532 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.1 |
| 9711251331 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 9711253097 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 7.143% | XX | 05/XX/2025 | No | Unavailable | 3.4 |
| 9712202002 | XX | XX |  | 05/XX/2025 | XX | Not Applicable | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 9712471284 | XX | XX |  | 08/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 5 |
| 9713718683 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 9713965565 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 6/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 9714039550 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1.5 |
| 9714242493 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.0 | 2.6 |
| 9714915973 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 9715862711 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.4 |
| 9716665584 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 07/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 4.7 |
| 9717164330 | XX | XX |  | 05/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 42.857% | XX | 04/XX/2025 | No | Unavailable | 2.6 |
| 9717707062 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 9718064497 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.2 |
| 9719607377 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.3 |
| 9719648389 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 9720107383 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.9 |
| 9721864123 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.6 |
| 9723156221 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.5 |
| 9723365046 | XX | XX |  | 08/XX/2025 | XX | Not Applicable | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.4 |
| 9724951349 | XX | XX |  | 07/XX/2025 | XX | Not Applicable | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.7 |
| 9725361647 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 9725471628 | XX | XX |  | 07/XX/2025 | XX | Not Applicable | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 4.350% | XX | 06/XX/2025 | No | 3.5 | 4.4 |
| 9725773759 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.2 |
| 9725911615 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 9726235071 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 9726704001 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | XX | -5.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 9727271554 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.3 |
| 9727567126 | XX | XX |  | 08/XX/2025 | XX | XX | XX | XX | 07/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 9728005712 | XX | XX |  | 08/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 1.3 |
| 9728038630 | XX | XX |  | 07/XX/2025 | XX | Not Applicable | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.5 |
| 9728552911 | XX | XX |  | 07/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 9733260294 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 9733476759 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 9733972211 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.2 |
| 9734127641 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.2 |
| 9734228050 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 4.8 |
| 9734450852 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  | XX | XX | -0.943% | XX | 05/XX/2025 | Yes | 1 | 1.4 |
| 9735695497 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 9735721830 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 03/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Not Applicable |
| 9736189920 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 03/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 9737161134 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 9738803130 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.4 |
| 9738970079 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.9 |
| 9739383553 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 9740334934 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.6 |
| 9740369310 | XX | XX |  | 07/XX/2025 | XX | Not Applicable | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.9 |
| 9740462784 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 9740804597 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 9741796883 | XX | XX |  | 08/XX/2025 | XX | Not Applicable | XX | XX | 07/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 9743579188 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.2 |
| 9743933609 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 9747737311 | XX | XX |  | 07/XX/2025 | XX | Not Applicable | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2 |
| 9747880715 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 9748303428 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 9749123676 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 4.444% | XX | 05/XX/2025 | No | 4 | 1.1 |
| 9749311313 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 3.5 |
| 9749369956 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 9749502945 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 9750242373 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3.2 |
| 9750391212 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 9751240731 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 9752717109 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 9753373191 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 6.250% | XX | 04/XX/2025 | Yes | 2 | 1 |
| 9753565770 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 9753733584 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 4.5 |
| 9753734798 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 20.000% | XX | 05/XX/2025 | Yes | 2.5 | 1 |
| 9754172212 | XX | XX |  | 07/XX/2025 | XX | Not Applicable | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.5 |
| 9754186832 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 9755274272 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  | XX | XX | -1.563% | XX | 09/XX/2024 | Yes | 1.5 | 1 |
| 9756023504 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -5.041% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 9756610177 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2 |
| 9756814084 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 9757207379 | XX | XX |  | 05/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 9757251757 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 9758643663 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 9759639603 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 9759654354 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 9760903360 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.6 |
| 9761084681 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.8 |
| 9761504894 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 9761512970 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 9761834184 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 9762017110 | XX | XX |  | 05/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.5 |
| 9762196096 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | XX | -0.498% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.5 | 2.6 |
| 9762418755 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.2 |
| 9762653500 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -3.061% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 1.1 |
| 9762725936 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 9762875632 | XX | XX |  | 05/XX/2025 | XX | Not Applicable | XX | XX | 03/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 |
| 9763084374 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.2 |
| 9763825107 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.2 |
| 9765057618 | XX | XX |  | 07/XX/2025 | XX | Not Applicable | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 9765183133 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | XX | -6.522% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 9765768321 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 3.2 |
| 9766773098 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.3 |
| 9766842471 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | 0.039% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  | XX | XX | 0.039% | XX | 05/XX/2025 | No | 3.5 | 4.7 |
| 9767090781 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.8 |
| 9767604268 | XX | XX |  | 07/XX/2025 | XX | Not Applicable | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 5 |
| 9767792816 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.4 |
| 9768061740 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 9769008401 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 9769258345 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 07/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 9769260945 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 9769832636 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 3.1 |
| 9769842841 | XX | XX |  | 07/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 9770129188 | XX | XX |  | 07/XX/2025 | XX | Not Applicable | XX | XX | 06/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 9771710937 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 9771856235 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.7 |
| 9773629010 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 5.660% | XX | 07/XX/2025 | Yes | 2.5 | 1.2 |
| 9773945457 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| 9774684642 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 9774929005 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 1.2 |
| 9775010185 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 9776109259 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 9777293037 | XX | XX |  | 07/XX/2025 | XX | Not Applicable | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -3.766% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.5 |
| 9777617797 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 4.7 |
| 9777756454 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2 |
| 9778121526 | XX | XX |  | 07/XX/2025 | XX | Not Applicable | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.7 |
| 9778243098 | XX | XX |  | 07/XX/2025 | XX | Not Applicable | XX | XX | 06/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | XX | -2.609% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 9778868407 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -5.785% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.2 |
| 9779543488 | XX | XX |  | 07/XX/2025 | XX | Not Applicable | XX | XX | 06/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.5 |
| 9779610733 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 9781360152 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| 9781692034 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.5 | 3 |
| 9782158159 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.2 |
| 9782469374 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 9783075964 | XX | XX |  | 07/XX/2025 | XX | Not Applicable | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 9783333835 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.9 |
| 9783519813 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 9783719074 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 9784014327 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 9784429244 | XX | XX |  | 07/XX/2025 | XX | Not Applicable | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 9784578719 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.1 |
| 9784651755 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1004 Residential Appraisal | XX | XX | -14.393% | XX | 0.11 | 04/XX/2025 | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.6 |
| 9785492126 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 9785841488 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 9786022021 | XX | XX |  | 07/XX/2025 | XX | Not Applicable | XX | XX | 06/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3.3 |
| 9786028051 | XX | XX |  | 07/XX/2025 | XX | Not Applicable | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 9786310780 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2 |
| 9788544097 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 9788547934 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 04/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 9789025872 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 9789711919 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 9791447155 | XX | XX |  | 07/XX/2025 | XX | Not Applicable | XX | XX | 07/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 9791539969 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 9791641922 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.4 |
| 9791752257 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 9791776983 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 9791918551 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 9791947352 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 04/XX/2025 | No | 3.5 | 2.7 |
| 9793014938 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 9793055337 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1 |
| 9793247447 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -6.805% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 9793446429 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 9793638272 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.2 |
| 9794525197 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 9794614397 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | XX | -7.104% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 9794724691 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 9795667022 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.6 |
| 9795709279 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.5 |
| 9796133305 | XX | XX |  | 07/XX/2025 | XX | XX | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -9.091% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 9796851161 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 9798421237 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 9799440749 | XX | XX |  | 07/XX/2025 | XX | Not Applicable | XX | XX | 06/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 9799697868 | XX | XX |  | 05/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Infinity Loan ID** | **Loan Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Compliance Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** |
| 9769832636 | XX | XX | XX | Florida | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9733260294 | XX | XX | XX | Florida | 6/XX/2025 | Primary | Cash Out B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 9781360152 | XX | XX | XX | New York | 7/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9706628261 | XX | XX | XX | Tennessee | 6/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 215148974 | XX | XX | XX | Tennessee | 5/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 9726704001 | XX | XX | XX | California | 6/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 9791539969 | XX | XX | XX | Wisconsin | 7/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 215196668 | XX | XX | XX | Washington | 5/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 215124165 | XX | XX | XX | North Carolina | 6/XX/2025 | Primary | Cash Out A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 215102724 | XX | XX | XX | Texas | 5/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 215134487 | XX | XX | XX | Florida | 5/XX/2025 | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 9796851161 | XX | XX | XX | Florida | 6/XX/2025 | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 9734127641 | XX | XX | XX | Colorado | 6/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 9782469374 | XX | XX | XX | Indiana | 6/XX/2025 | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 214761124 | XX | XX | XX | Washington | 4/XX/2025 | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9762017110 | XX | XX | XX | Illinois | 5/XX/2025 | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 9734450852 | XX | XX | XX | Arizona | 5/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9727567126 | XX | XX | XX | Indiana | 8/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 215180902 | XX | XX | XX | Arizona | 5/XX/2025 | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 9710429532 | XX | XX | XX | Utah | 7/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 215362807 | XX | XX | XX | Tennessee | 7/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 9725911615 | XX | XX | XX | California | 6/XX/2025 | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9784429244 | XX | XX | XX | North Carolina | 7/XX/2025 | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 214649188 | XX | XX | XX | Florida | 5/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 9721864123 | XX | XX | XX | California | 5/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 9705518851 | XX | XX | XX | Michigan | 6/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 215116971 | XX | XX | XX | Florida | 5/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 9756814084 | XX | XX | XX | Virginia | 6/XX/2025 | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 9791447155 | XX | XX | XX | Washington | 7/XX/2025 | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9793638272 | XX | XX | XX | Ohio | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9713965565 | XX | XX | XX | Oklahoma | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 215145376 | XX | XX | XX | Georgia | 7/XX/2025 | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9726235071 | XX | XX | XX | Connecticut | 7/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 215224593 | XX | XX | XX | Michigan | 6/XX/2025 | Primary | Cash Out A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 9799440749 | XX | XX | XX | New Jersey | 7/XX/2025 | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 215238304 | XX | XX | XX | California | 6/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 9753565770 | XX | XX | XX | Pennsylvania | 6/XX/2025 | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 9759639603 | XX | XX | XX | Texas | 6/XX/2025 | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 9767090781 | XX | XX | XX | Oregon | 6/XX/2025 | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 215077900 | XX | XX | XX | Alabama | 5/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9781692034 | XX | XX | XX | New Jersey | 6/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 214801854 | XX | XX | XX | Massachusetts | 4/XX/2025 | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9783333835 | XX | XX | XX | Texas | 6/XX/2025 | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 215084849 | XX | XX | XX | Connecticut | 5/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 9793014938 | XX | XX | XX | California | 7/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9778121526 | XX | XX | XX | North Carolina | 7/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 215149238 | XX | XX | XX | Maryland | 5/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 9752717109 | XX | XX | XX | Wisconsin | 6/XX/2025 | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9788544097 | XX | XX | XX | South Carolina | 6/XX/2025 | Secondary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 9779610733 | XX | XX | XX | Florida | 7/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 9720107383 | XX | XX | XX | Florida | 7/XX/2025 | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 9777617797 | XX | XX | XX | Maryland | 7/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 215072893 | XX | XX | XX | Florida | 5/XX/2025 | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9796133305 | XX | XX | XX | Massachusetts | 7/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9770129188 | XX | XX | XX | Ohio | 7/XX/2025 | Investor | Cash Out B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 9794724691 | XX | XX | XX | Texas | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 215340621 | XX | XX | XX | Colorado | 7/XX/2025 | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 9784651755 | XX | XX | XX | Pennsylvania | 6/XX/2025 | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 9714242493 | XX | XX | XX | Tennessee | 6/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 214854127 | XX | XX | XX | Florida | 4/XX/2025 | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 9753734798 | XX | XX | XX | North Carolina | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 215193459 | XX | XX | XX | New York | 6/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 9740462784 | XX | XX | XX | New York | 6/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 215086786 | XX | XX | XX | Nevada | 5/XX/2025 | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 9735721830 | XX | XX | XX | Maryland | 6/XX/2025 | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 215017468 | XX | XX | XX | Florida | 5/XX/2025 | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 215206269 | XX | XX | XX | Texas | 6/XX/2025 | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9769008401 | XX | XX | XX | Louisiana | 6/XX/2025 | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 9728005712 | XX | XX | XX | Georgia | 8/XX/2025 | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9751240731 | XX | XX | XX | Rhode Island | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 215249582 | XX | XX | XX | Massachusetts | 6/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 9724951349 | XX | XX | XX | Texas | 7/XX/2025 | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 9750242373 | XX | XX | XX | Massachusetts | 6/XX/2025 | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 214796070 | XX | XX | XX | Virginia | 6/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 9765183133 | XX | XX | XX | Pennsylvania | 7/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 215338476 | XX | XX | XX | Florida | 6/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 215177502 | XX | XX | XX | California | 5/XX/2025 | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9719607377 | XX | XX | XX | California | 7/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 9785841488 | XX | XX | XX | Minnesota | 6/XX/2025 | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 215267840 | XX | XX | XX | South Dakota | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9712202002 | XX | XX | XX | Arizona | 5/XX/2025 | Investor | Cash Out B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D |
| 9761084681 | XX | XX | XX | New Jersey | 6/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 9733972211 | XX | XX | XX | South Carolina | 5/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 9783719074 | XX | XX | XX | South Carolina | 7/XX/2025 | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 9776109259 | XX | XX | XX | Wisconsin | 6/XX/2025 | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 215226499 | XX | XX | XX | New Jersey | 5/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 215268269 | XX | XX | XX | Rhode Island | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9712471284 | XX | XX | XX | Indiana | 8/XX/2025 | Secondary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 9784578719 | XX | XX | XX | North Carolina | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9774929005 | XX | XX | XX | Alabama | 7/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 215186099 | XX | XX | XX | Minnesota | 6/XX/2025 | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 214561334 | XX | XX | XX | New York | 5/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 214464562 | XX | XX | XX | Texas | 5/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 9766773098 | XX | XX | XX | North Carolina | 7/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 214671398 | XX | XX | XX | New Jersey | 5/XX/2025 | Investor | Refinance B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 9723365046 | XX | XX | XX | Oregon | 8/XX/2025 | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9761834184 | XX | XX | XX | Texas | 6/XX/2025 | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9753733584 | XX | XX | XX | Florida | 6/XX/2025 | Secondary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 214650988 | XX | XX | XX | Wisconsin | 3/XX/2025 | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 9735695497 | XX | XX | XX | Virginia | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9728038630 | XX | XX | XX | Oregon | 7/XX/2025 | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9736189920 | XX | XX | XX | Florida | 6/XX/2025 | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 9749502945 | XX | XX | XX | Indiana | 7/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 9771856235 | XX | XX | XX | Utah | 7/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 9738970079 | XX | XX | XX | New York | 6/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 9753373191 | XX | XX | XX | California | 6/XX/2025 | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 9738803130 | XX | XX | XX | Virginia | 6/XX/2025 | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 215177908 | XX | XX | XX | Florida | 6/XX/2025 | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 9749369956 | XX | XX | XX | California | 6/XX/2025 | Primary | Purchase A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 215108580 | XX | XX | XX | Florida | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 215124785 | XX | XX | XX | North Carolina | 5/XX/2025 | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 214818163 | XX | XX | XX | New York | 5/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 9778868407 | XX | XX | XX | New Jersey | 6/XX/2025 | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 9749311313 | XX | XX | XX | Florida | 7/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 9747880715 | XX | XX | XX | California | 6/XX/2025 | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9707697422 | XX | XX | XX | Arizona | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9747737311 | XX | XX | XX | Florida | 7/XX/2025 | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9754186832 | XX | XX | XX | California | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 215028101 | XX | XX | XX | Tennessee | 5/XX/2025 | Primary | Refinance A | A C | A | A C | A | A C | A | A C | A | A C | A | A |
| 9725471628 | XX | XX | XX | California | 7/XX/2025 | Primary | Refinance B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 9784014327 | XX | XX | XX | North Carolina | 5/XX/2025 | Primary | Purchase A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 9783519813 | XX | XX | XX | Illinois | 7/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9763084374 | XX | XX | XX | Missouri | 7/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9783075964 | XX | XX | XX | New Jersey | 7/XX/2025 | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 215260431 | XX | XX | XX | Texas | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 215049966 | XX | XX | XX | Virginia | 5/XX/2025 | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9789025872 | XX | XX | XX | Maryland | 6/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 9793247447 | XX | XX | XX | South Carolina | 6/XX/2025 | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 9709778097 | XX | XX | XX | Georgia | 5/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 215075060 | XX | XX | XX | New Hampshire | 5/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9704920553 | XX | XX | XX | New York | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9786310780 | XX | XX | XX | Florida | 7/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 215101312 | XX | XX | XX | Florida | 5/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 215207739 | XX | XX | XX | Oklahoma | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 215149022 | XX | XX | XX | California | 5/XX/2025 | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9773629010 | XX | XX | XX | Pennsylvania | 7/XX/2025 | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 9756023504 | XX | XX | XX | California | 7/XX/2025 | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9728552911 | XX | XX | XX | Georgia | 7/XX/2025 | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9789711919 | XX | XX | XX | New Jersey | 7/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9798421237 | XX | XX | XX | Michigan | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9740369310 | XX | XX | XX | Texas | 7/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 215077744 | XX | XX | XX | Florida | 5/XX/2025 | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9774684642 | XX | XX | XX | California | 5/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 9762418755 | XX | XX | XX | Wisconsin | 7/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 215105586 | XX | XX | XX | Florida | 5/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9773945457 | XX | XX | XX | Florida | 7/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9749123676 | XX | XX | XX | Utah | 6/XX/2025 | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 9756610177 | XX | XX | XX | Illinois | 6/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 9762196096 | XX | XX | XX | Illinois | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 214329393 | XX | XX | XX | Colorado | 12/XX/2024 | Primary | Purchase B | A C B D | C | A C B D | C | A C B D | C | A C B D | C | A C B D | C | A |
| 9734228050 | XX | XX | XX | Tennessee | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 215395310 | XX | XX | XX | California | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9755274272 | XX | XX | XX | Tennessee | 6/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 9791918551 | XX | XX | XX | New York | 7/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9711251331 | XX | XX | XX | Connecticut | 7/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 9743579188 | XX | XX | XX | Illinois | 6/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 9769842841 | XX | XX | XX | New York | 7/XX/2025 | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9795709279 | XX | XX | XX | Texas | 6/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 215071028 | XX | XX | XX | California | 5/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 9782158159 | XX | XX | XX | Georgia | 7/XX/2025 | Primary | Purchase A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 9775010185 | XX | XX | XX | Illinois | 6/XX/2025 | Investor | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 9766842471 | XX | XX | XX | Utah | 6/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 9786028051 | XX | XX | XX | Michigan | 7/XX/2025 | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9760903360 | XX | XX | XX | Alaska | 7/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9717707062 | XX | XX | XX | Kentucky | 7/XX/2025 | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 9723156221 | XX | XX | XX | Tennessee | 7/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 9794525197 | XX | XX | XX | Texas | 6/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 9727271554 | XX | XX | XX | Texas | 6/XX/2025 | Primary | Purchase B | A C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| 9754172212 | XX | XX | XX | Texas | 7/XX/2025 | Primary | Cash Out B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 9761504894 | XX | XX | XX | New York | 7/XX/2025 | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 9762875632 | XX | XX | XX | Washington | 5/XX/2025 | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 9743933609 | XX | XX | XX | Florida | 7/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 215073941 | XX | XX | XX | Georgia | 5/XX/2025 | Primary | Purchase A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 9793055337 | XX | XX | XX | Texas | 6/XX/2025 | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9791641922 | XX | XX | XX | Alabama | 7/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9739383553 | XX | XX | XX | Florida | 7/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 215089921 | XX | XX | XX | Pennsylvania | 5/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9757207379 | XX | XX | XX | New Jersey | 5/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 9750391212 | XX | XX | XX | Florida | 6/XX/2025 | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9791776983 | XX | XX | XX | Ohio | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9799697868 | XX | XX | XX | Colorado | 5/XX/2025 | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9733476759 | XX | XX | XX | Wisconsin | 6/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 215111634 | XX | XX | XX | Maryland | 5/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9791752257 | XX | XX | XX | Georgia | 6/XX/2025 | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 9795667022 | XX | XX | XX | Texas | 5/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 215083908 | XX | XX | XX | Massachusetts | 5/XX/2025 | Primary | Purchase A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 9718064497 | XX | XX | XX | Hawaii | 5/XX/2025 | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9711253097 | XX | XX | XX | California | 6/XX/2025 | Primary | Cash Out B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 215120288 | XX | XX | XX | Michigan | 5/XX/2025 | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 214836843 | XX | XX | XX | Florida | 5/XX/2025 | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9725361647 | XX | XX | XX | Florida | 7/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 214857039 | XX | XX | XX | Oregon | 5/XX/2025 | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 9769260945 | XX | XX | XX | New York | 5/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 9713718683 | XX | XX | XX | Michigan | 6/XX/2025 | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 9715862711 | XX | XX | XX | Florida | 5/XX/2025 | Primary | Purchase B | A D B | D | A D B | D | A D B | D | A D B | D | A D B | D | A |
| 9719648389 | XX | XX | XX | Florida | 7/XX/2025 | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 9794614397 | XX | XX | XX | New Jersey | 6/XX/2025 | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9758643663 | XX | XX | XX | Washington | 6/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 214673881 | XX | XX | XX | New Jersey | 5/XX/2025 | Investor | Refinance B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 9768061740 | XX | XX | XX | California | 5/XX/2025 | Primary | Purchase B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 9740334934 | XX | XX | XX | Indiana | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9786022021 | XX | XX | XX | Oregon | 7/XX/2025 | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 215204348 | XX | XX | XX | Indiana | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9716665584 | XX | XX | XX | California | 7/XX/2025 | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 9777756454 | XX | XX | XX | Virginia | 6/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 9740804597 | XX | XX | XX | Texas | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9788547934 | XX | XX | XX | California | 6/XX/2025 | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9717164330 | XX | XX | XX | Pennsylvania | 5/XX/2025 | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9759654354 | XX | XX | XX | Texas | 5/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9767792816 | XX | XX | XX | Tennessee | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9771710937 | XX | XX | XX | California | 5/XX/2025 | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9777293037 | XX | XX | XX | Hawaii | 7/XX/2025 | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 215146788 | XX | XX | XX | Virginia | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9748303428 | XX | XX | XX | New York | 7/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 214836678 | XX | XX | XX | North Carolina | 4/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9704590547 | XX | XX | XX | New Jersey | 7/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9757251757 | XX | XX | XX | Florida | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9785492126 | XX | XX | XX | North Carolina | 7/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9769258345 | XX | XX | XX | Virginia | 7/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9762725936 | XX | XX | XX | Ohio | 7/XX/2025 | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 9762653500 | XX | XX | XX | Indiana | 7/XX/2025 | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 215150491 | XX | XX | XX | New Jersey | 6/XX/2025 | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 215189242 | XX | XX | XX | North Dakota | 6/XX/2025 | Investor | Cash Out B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable |
| 9779543488 | XX | XX | XX | New Jersey | 7/XX/2025 | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9778243098 | XX | XX | XX | California | 7/XX/2025 | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9714915973 | XX | XX | XX | California | 6/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 215333857 | XX | XX | XX | California | 6/XX/2025 | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 215091299 | XX | XX | XX | Florida | 5/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9793446429 | XX | XX | XX | Connecticut | 6/XX/2025 | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 215206103 | XX | XX | XX | Maryland | 6/XX/2025 | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 9767604268 | XX | XX | XX | New York | 7/XX/2025 | Secondary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 9763825107 | XX | XX | XX | California | 6/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 9791947352 | XX | XX | XX | Pennsylvania | 6/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 9765768321 | XX | XX | XX | Indiana | 6/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 215070855 | XX | XX | XX | North Carolina | 5/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 9765057618 | XX | XX | XX | North Carolina | 7/XX/2025 | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9741796883 | XX | XX | XX | Pennsylvania | 8/XX/2025 | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9761512970 | XX | XX | XX | Louisiana | 7/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9737161134 | XX | XX | XX | New Jersey | 6/XX/2025 | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9725773759 | XX | XX | XX | Tennessee | 7/XX/2025 | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 9714039550 | XX | XX | XX | Tennessee | 7/XX/2025 | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 9709409222 | XX | XX | XX | California | 6/XX/2025 | Investor | Purchase A | Not Applicable A | Not Applicable | Not Applicable A | Not Applicable | Not Applicable A | Not Applicable | Not Applicable A | Not Applicable | Not Applicable A | Not Applicable | Not Applicable A |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** |  |  |  |  |  |  |
| ASF Loan Number | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** |
| 214836843 | XX | XX |  | Residual Income | XX | XX | XX | 7.59847% | Total verified monthly income equals $65,899.35, monthly PITIA equals $7,847.38 and all other debts equal $16,099.00. Residual income is $41,952.97. | Initial |
| 214854127 | XX | XX |  | Residual Income | XX | XX | XX | 5.89342% | Total verified monthly income equals $21,731.47, monthly PITIA equals $2,874.23 and all other debts equal $3,800.00. Residual income is $15,057.24. | Initial |
| 215086786 | XX | XX |  | Residual Income | XX | XX | XX | 5.81010% | Total verified monthly income equals $22,326.74, monthly PITIA equals $2,284.75 and all other debts equal $3,355.97. Residual income is $16,686.02. | Initial |
| 215091299 | XX | XX |  | Residual Income | XX | XX | XX | -14.08092% | Total verified monthly income equals $20,220.43, monthly PITIA equals $2,633.84 and all other debts equal $4,459.47. Residual income is $13,127.12. | Initial |
| 215108580 | XX | XX |  | Residual Income | XX | XX | XX | 3.25756% | Total verified monthly income equals $47,565.11, monthly PITIA equals $3,612.21 and all other debts equal $4,381.99. Residual income is $39,570.91. | Initial |
| 215134487 | XX | XX |  | Residual Income | XX | XX | XX | -8.07129% | Total verified monthly income equals $51,485.64, monthly PITIA equals $9,364.80 and all other debts equal $9,407.57. Residual income is $32,713.27. | Initial |
| 215177502 | XX | XX |  | Residual Income | XX | XX | XX | 47.95717% | Total verified monthly income equals $73,300.92, monthly PITIA equals $5,523.04 and all other debts equal $23,892.79. Residual income is $43,885.09. | Initial |
| 215193459 | XX | XX |  | Residual Income | XX | XX | XX |  | Total verified monthly income equals $0.00, monthly PITIA equals $13,455.95 and all other debts equal $0.00. Residual income is -$13,455.95. | Initial |
| 215196668 | XX | XX |  | Residual Income | XX | XX | XX | 5.90378% | Total verified monthly income equals $17,735.93, monthly PITIA equals $7,184.10 and all other debts equal $736.00. Residual income is $9,815.83. | Initial |
| 215207739 | XX | XX |  | Residual Income | XX | XX | XX | -4.33516% | Total verified monthly income equals $54,738.66, monthly PITIA equals $2,765.33 and all other debts equal $6,776.5. Residual income is $45,196.83. | Initial |
| 215226499 | XX | XX |  | Residual Income | XX | XX | XX | -3.94473% | Total verified monthly income equals $30,552.24, monthly PITIA equals $4,640.13 and all other debts equal $3,856.63. Residual income is $22,055.48. | Initial |
| 215238304 | XX | XX |  | Residual Income | XX | XX | XX | -4.55659% | Total verified monthly income equals $0.00, monthly PITIA equals $5,616.15 and all other debts equal $1,153.45. Residual income is -$6,769.60. | Initial |
| 215333857 | XX | XX |  | B1 Self-Employed? | XX | XX |  |  | Borrower is self-employed as per Final Application. | Initial |
| 215333857 | XX | XX |  | Residual Income | XX | XX | XX | -9.88173% | Total verified monthly income equals $38,164.95, monthly PITIA equals $5,647.66 and all other debts equal $11,714.76. Residual income is $20,802.53. | Initial |
| 215338476 | XX | XX |  | Residual Income | XX | XX | XX |  | Total verified monthly income equals $0.00, monthly PITIA equals $7,064.00 and all other debts equal $0.00. Residual income is -$7,064.00. | Initial |
| 9720107383 | XX | XX |  | Residual Income | XX | XX | XX | 4.80413% | Total verified monthly income equals $9,354.08, monthly PITIA equals $2,839.76 and all other debts equal $1,151.00. Residual income is $5,363.32. | Initial |
| 9769258345 | XX | XX |  | B1 Self-Employed? | XX | XX |  |  | Borrower is not Self-Employed per the Final Application and submitted tax returns. | Initial |
| 9775010185 | XX | XX |  | Residual Income | XX | XX | XX | -5.82877% | Total verified monthly income equals $5,691.05, monthly PITIA equals $1,459.74 and all other debts equal $1,136.74. Residual income is $3,094.57. | Initial |
| 9778121526 | XX | XX |  | Original Appraised Value | XX | XX | XX |  | The Appraisal dated 6/XXX/2025 reflects Original Appraised Value as $XX. | Initial |
| 9791447155 | XX | XX |  | Residual Income | XX | XX | XX | 43.07390% | Total verified monthly income equals $14,688.60, monthly PITIA equals $1,759.43 and all other debts equal $3,925.00. Residual income is $9,004.17. | Initial |
| 9791539969 | XX | XX |  | B1 Self-Employed? | XX | XX |  |  | Borrower is not Self-Employed per the Final Application and submitted tax returns. | Initial |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Borrower Name** | **State** | **QM/ATR Status** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Property Type** | **Note Date** | **LTV** | **CLTV** | **Occupancy** | **Purpose** | **Credit Score** | **Brwr 1 Yrs in Property** | **Brwr 1 Occupation** | **Brwr 1 Yrs on Job** | **Total Monthly Income** | **Mortgage History** | **Cash Out Amount** | **DTI** | **FTHB Flag** | **Loan Doc Type** | **Loan Status** | **Review Date** |
| 214329393 | XX | XX |  | XX | Colorado | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.240% Allowed 8.130% Overby +0.110%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Missing Required Disclosures - EV C<br> COMMENT: Appraisal reflects property in flood zone area (Zone AE) which does not matches with flood zone of x500 on flood cert. The flood cert does note a LOMC from 12/XX/2021, however, the flood map in the file dated 12/3/2024 indicates the property is located in zone AE. Require flood insurance which is not present in the file.<br>Not Resolved 3/XX/2025. Received an updated appraisal indicating property is not in a flood zone but also received an updated flood certification indicating it is in a flood zone.<br>Not Resolved 05/XX/2025: Received updated flood certification indicating it is in a flood zone, require updated appraisal indicating the property in food zone.<br>Cured 05/XX/2025: Received evidence of the flood insurance post-closing.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide bank statements of the xx business account in the amount of $25,000.00 & xx in the amount of $11,000.00, as it is missing in the file. Transaction is a purchase residence. Reserves required per guidelines is $11,660.57. Total reserves verified the amount of $894.66. Provide satisfactory evidence of reserves covering $11,660.57.<br>03/XX/2025: Resolved: Received email explanation and bank statement in file, resolves the condition. |  |  | PUD | 12/XX/2024 | 90.000% | 90.000% | Primary | Purchase | 720 |  | Owner and Director of operations | 9 | $21462.22 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.305% | No | Alternative | QC Complete | 05/01/2025 |
| 214464562 | XX | XX |  | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 05/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 745 |  | Owner | 5.33 | $14138.21 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.647% | Yes | Alternative | QC Complete | 06/19/2025 |
| 214561334 | XX | XX |  | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | 05/XX/2025 | 70.000% | 70.000% | Primary | Cash Out | 704 | 20 | 50% Partner and 100%Partner | 11.5 | $10259.93 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $500615.21 | 49.747% |  | Alternative | QC Complete | 09/16/2025 |
| 214649188 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | 05/XX/2025 | 33.846% | 33.846% | Primary | Purchase | 740 |  | Owner | 2.5 | $6426.46 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.804% | No | Alternative | QC Complete | 06/13/2025 |
| 214650988 | XX | XX |  | XX | Wisconsin | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Mortgage Riders incomplete / inaccurate - EV R<br> COMMENT: Missing PUD Rider. Resolved 06/XX/2025 - Received PUD Rider, condition resolved. |  |  | PUD | 03/XX/2025 | 76.531% | 76.531% | Primary | Refinance | 710 | 4 | Chief Revenue Officer | 3.92 | $39569.97 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 47.210% |  | Full Documentation | QC Complete | 05/01/2025 |
| 214671398 | XX | XX |  | XX | New Jersey | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Required FICO for r/t refinance on investment is 720 borrower has 701.<br>A copy of an exception approval letter is available in the loan file. | DTI: 25.52% DTI is less than the maximum guideline requirement of 50.00%.<br>Residual Income : $31,928.68 monthly. | PUD | 05/XX/2025 | 80.000% | 80.000% | Investor | Refinance | 701 |  | Owner | 11.33 | $42869.28 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 25.521% |  | Alternative | QC Complete | 06/19/2025 |
| 214673881 | XX | XX |  | XX | New Jersey | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Most recent 12 months bank statements show 7 NSF, which exceeds maximum of 6.<br>A copy of an exception approval letter is available in the loan file. | FICO: 712 FICO exceeds the guideline requirement of 660.<br>Residual Income : $304,922.74 monthly.<br>DTI: 6.32% DTI is less than the maximum guideline requirement of 50.00%. | Single Family | 05/XX/2025 | 70.000% | 70.000% | Investor | Refinance | 712 |  | Owner | 5.58 | $325511.68 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 6.325% |  | Alternative | QC Complete | 06/19/2025 |
| 214761124 | XX | XX |  | XX | Washington | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 04/XX/2025 | 14.250% | 14.250% | Investor | Refinance | 779 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 09/15/2025 |
| 214796070 | XX | XX |  | XX | Virginia | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of XX on the Title Commitment is less than the loan amount $XX.<br>Resolved 07/XX/2025 - Received title endorsement for $xx, condition resolved. |  |  | Single Family | 06/XX/2025 | 74.334% | 74.334% | Primary | Purchase | 796 |  | owner | 13.5 | $11063.31 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 22.929% | No | Alternative | QC Complete | 07/08/2025 |
| 214801854 | XX | XX |  | XX | Massachusetts | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Reverification within 10 days is missing - EV R<br> COMMENT: Provide verbal VOE for borrower (XX) from (XX) dated within 10 business days of closing. Available verbal VOE not within 10 business days of closing.<br>Resolved on 06/XX/2025 : Received Verification of employment document , condition resolved. |  |  | 3 Family | 04/XX/2025 | 70.000% | 70.000% | Investor | Cash Out | 773 |  | Sales | 14.08 | $19500.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $82305.72 | 43.708% |  | Full Documentation | QC Complete | 05/23/2025 |
| 214818163 | XX | XX |  | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 05/XX/2025 | 85.000% | 85.000% | Primary | Purchase | 768 |  | Owner | 2.83 | $27967.81 | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  | 19.123% | Yes | Alternative | QC Complete | 06/19/2025 |
| 214836678 | XX | XX |  | XX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 04/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 681 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 09/15/2025 |
| 214836843 | XX | XX |  | XX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Dwelling amount $XX is not sufficient to cover loan amount $XX, provide a copy of replacement cost estimator is being covered by the dwelling.<br>Resolved 06/XX/2025 - Received RCE document covered with 100% replacement cost on dwelling, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide Guaranty agreement, as it is missing.<br>06/XX/2025 Resolved: Resolved as a guaranty is not required when the borrower signed the promissory note as an individual. |  |  | Single Family | 05/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 792 |  | Vice President Leveraged Finance Sales | 6.83 | $62666.85 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.054% | No | Full Documentation | QC Complete | 06/09/2025 |
| 214854127 | XX | XX |  | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of condo questionnaire, as it is missing.<br>Resolved 07/XX/2025 - Received condo questionnaire, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | 04/XX/2025 | 80.000% | 80.000% | Secondary | Purchase | 763 |  | Sargeant | 12.66 | $8199.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 30.712% | No | Full Documentation | QC Complete | 06/24/2025 |
| 214857039 | XX | XX |  | XX | Oregon | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Missing real estate appraisers error and omissions insurance policy.<br>Resolved: Condition has been resolved as E&O policy is not required. |  |  | PUD | 05/XX/2025 | 80.000% | 80.000% | Secondary | Purchase | 720 |  | Founder/CEO and Co-Founder | 7 | $173817.25 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 4.941% | No | Alternative | QC Complete | 06/13/2025 |
| 215017468 | XX | XX |  | XX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a proof of document for Primary residence address XX<br>Resolved 06/XX/2025 - Received document proofs for primary residence property, condition resolved. |  |  | Single Family | 05/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 775 |  | Sr Director-Americas Engineering | 35.08 | $23337.17 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.298% | No | Full Documentation | QC Complete | 06/09/2025 |
| 215028101 | XX | XX |  | XX | Tennessee | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Loan does not conform to program guidelines - EV R<br> COMMENT: Rate term refinance loan does not meet the guidelines for Payoff of draws taken in the past 12 months on a HELOC are counted in the cash in the maximum cash in hand amount.<br>Resolved 06/XX/2025 - Received documentation proofs for the rate and term refinance loan payoff in 12 months, condition resolved. |  |  | PUD | 05/XX/2025 | 70.000% | 70.000% | Primary | Refinance | 787 | 2.08 | SVP | 1.25 | $16308.34 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 30.209% |  | Full Documentation | QC Complete | 06/24/2025 |
| 215049966 | XX | XX |  | XX | Virginia | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: A CPA-prepared letter is required to verify the borrower's percentage of ownership in the business entity and expense ratio.<br>Resolved 06/XX/2025 - Received CPA letter, condition resolved. |  |  | PUD | 05/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 774 |  | Owner | 3 | $37940.34 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 40.864% | No | Alternative | QC Complete | 06/12/2025 |
| 215070855 | XX | XX |  | XX | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 05/XX/2025 | 64.706% | 64.706% | Primary | Purchase | 778 |  | President (1120S 80%) | 3 | $221233.68 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 5.070% | No | Alternative | QC Complete | 06/19/2025 |
| 215071028 | XX | XX |  | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | 05/XX/2025 | 75.000% | 75.000% | Primary | Cash Out | 731 | 8.25 | CEO | 15.33 | $84211.78 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $153538.73 | 12.729% |  | Alternative | QC Complete | 06/19/2025 |
| 215072893 | XX | XX |  | XX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Assets Verification - EV R<br> COMMENT: Missing bank statements for the stated asset on application of borrower (XX $232,325.36 &XX $96,172.58). <br>06/XX/2025 Resolved: The condition has been resolved as the reserve requirement has been fulfilled and the statements are not required. |  |  | Mid Rise Condo (5-8 Stories) | 05/XX/2025 | 62.025% | 62.025% | Investor | Purchase | 727 |  | President | 16.33 | $67335.79 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 20.526% | No | Full Documentation | QC Complete | 06/05/2025 |
| 215073941 | XX | XX |  | XX | Georgia | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.962% Allowed 9.160% Overby +0.802%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) VOM or VOR missing/required - EV R<br> COMMENT: Provide a copy of the rent verification for XX, as it is missing.<br>06/XX/2025 Resolved : The copy of credit supplemental resolves the condition. |  |  | Single Family | 05/XX/2025 | 89.990% | 89.990% | Primary | Purchase | 747 |  | Youtuber | 5.33 | $49788.93 | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.257% | Yes | Alternative | QC Complete | 06/09/2025 |
| 215075060 | XX | XX |  | XX | New Hampshire | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | 05/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 763 |  | Teacher | 12.75 | $7744.43 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 30.034% | No | Full Documentation | QC Complete | 06/19/2025 |
| 215077744 | XX | XX |  | XX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide a copy of appraisal E&O policy as it is missing.<br>Resolved : Resolved as appraisal E&O is not required. |  |  | Single Family | 05/XX/2025 | 48.000% | 48.000% | Investor | Refinance | 784 |  | Sr Prin Eng-Software En | 42.92 | $14641.67 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.697% |  | Full Documentation | QC Complete | 06/20/2025 |
| 215077900 | XX | XX |  | XX | Alabama | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | 05/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 787 |  | Director Sales | 0.42 | $18750.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 16.445% | No | Full Documentation | QC Complete | 07/08/2025 |
| 215083908 | XX | XX |  | XX | Massachusetts | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.289% Allowed 8.240% Overby +1.049%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) State Higher Price Mortgage Loan - EV R<br> COMMENT: (MA 209 CMR 32.35) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Massachusetts Regulations.<br>MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test: Charged 9.289% Allowed 8.240% Overby +1.049%<br>This loan is compliant with regulation (MA 209 CMR 32.35)<br>\*\*\* (CURED) Reverification within 10 days is missing - EV R<br> COMMENT: Provide a copy of verification of employment for borrower xx as it is missing.<br>Resolved 07/XX/2025 - Received VVOE, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | 05/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 758 |  | Field Engineer | 3.66 | $8083.31 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.009% | Yes | Full Documentation | QC Complete | 06/09/2025 |
| 215084849 | XX | XX |  | XX | Connecticut | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 05/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 800 |  | Owner | 8.66 | $21001.18 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  | 18.740% | Yes | Alternative | QC Complete | 06/20/2025 |
| 215086786 | XX | XX |  | XX | Nevada | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | 05/XX/2025 | 80.000% | 80.000% | Secondary | Purchase | 791 |  | Store Manager | 16.66 | $22326.74 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 25.264% | No | Full Documentation | QC Complete | 06/13/2025 |
| 215089921 | XX | XX |  | XX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | 05/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 738 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/12/2025 |
| 215091299 | XX | XX |  | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 05/XX/2025 | 85.000% | 85.000% | Investor | Purchase | 761 |  | Owner | 5.42 | $18041.01 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.237% | No | Alternative | QC Complete | 06/13/2025 |
| 215101312 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 05/XX/2025 | 59.840% | 59.840% | Primary | Cash Out | 803 | 27 | EVP Chief Canine Officer | 13.33 | $66883.46 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type:Credit Report | $514063.58 | 5.303% |  | Alternative | QC Complete | 07/08/2025 |
| 215102724 | XX | XX |  | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 05/XX/2025 | 70.000% | 70.000% | Investor | Purchase | 677 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/19/2025 |
| 215105586 | XX | XX |  | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | 05/XX/2025 | 52.941% | 52.941% | Investor | Purchase | 785 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/13/2025 |
| 215108580 | XX | XX |  | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | 06/XX/2025 | 85.000% | 85.000% | Investor | Purchase | 748 |  | Owner | 15.83 | $47565.11 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 16.807% | No | Alternative | QC Complete | 07/22/2025 |
| 215111634 | XX | XX |  | XX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | 05/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 766 |  | Owner | 10.08 | $49729.45 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.575% | No | Alternative | QC Complete | 06/19/2025 |
| 215116971 | XX | XX |  | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Reverification within 10 days is missing - EV R<br> COMMENT: Provide a copy of Verification of Employment(VVOE) with 30 days of closing date.<br>07/XX/2025 Resolved: Resolved as re-verification is for a W2 job and not self-employed individuals. |  |  | PUD | 05/XX/2025 | 75.000% | 75.000% | Primary | Purchase | 723 |  | Property Manager | 15 | $13943.96 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.009% | No | Alternative | QC Complete | 09/15/2025 |
| 215120288 | XX | XX |  | XX | Michigan | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of proof document of Mortgage statement, taxes and insurance for address XX<br>Resolved 06/XX/2025 - Received mortgage statement, condition resolved. |  |  | 2 Family | 05/XX/2025 | 73.295% | 73.295% | Investor | Cash Out | 732 |  | Owner | 2.16 | $11419.29 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $152240.02 | 29.386% |  | Full Documentation | QC Complete | 06/12/2025 |
| 215124165 | XX | XX |  | XX | North Carolina | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.603% Allowed 8.430% Overby +0.173%.<br>This loan is compliant with regulation 1026.35<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Verbal verification of employment is missing from the loan Package for employment @ xx<br>Resolved 07/XX/2025 - the copy of VVOE available in the loan file resolves the condition. |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Cash Out | 701 | 24 | Title Physician | 15.66 | $21100.62 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $63567.38 | 34.669% |  | Alternative | QC Complete | 07/08/2025 |
| 215124785 | XX | XX |  | XX | North Carolina | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Letter of explanation for addresses reported in the credit report - EV R<br> COMMENT: LOE required for address reflected on credit report - clarify borrower's association with property.<br> XX<br>Resolved 08/XX/2025 - Received client response as the borrower has been at current address for 24 years and no LOX required, condition resolved. |  |  | High Rise Condo (>=9 Stories) | 05/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 796 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 40.085% | No | Full Documentation | QC Complete | 09/15/2025 |
| 215134487 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 05/XX/2025 | 75.000% | 75.000% | Secondary | Purchase | 801 |  | Vice President - Tax Operations | 19.25 | $51485.64 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.461% | No | Full Documentation | QC Complete | 07/18/2025 |
| 215145376 | XX | XX |  | XX | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Cash Out | 728 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent | $89554.24 |  |  | Alternative | QC Complete | 08/01/2025 |
| 215146788 | XX | XX |  | XX | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 775 |  | Owner | 5.92 | $44156.30 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 15.984% | No | Alternative | QC Complete | 06/19/2025 |
| 215148974 | XX | XX |  | XX | Tennessee | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 05/XX/2025 | 75.000% | 75.000% | Primary | Cash Out | 682 | 3.75 | Worship Pastor | 8.25 | $7803.07 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type: | $108849.98 | 44.685% |  | Full Documentation | QC Complete | 07/07/2025 |
| 215149022 | XX | XX |  | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The proposed insured amount is not reflected on the title report. Provide a title supplement or updated title report indicating the correct insured amount to satisfy title insurance requirements.<br>Resolved 07/7/2025 - Received final title policy, condition resolved. |  |  | Single Family | 05/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 750 |  | Supvy imigartion SVCS off | 22.16 | $17031.15 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.176% | No | Full Documentation | QC Complete | 06/20/2025 |
| 215149238 | XX | XX |  | XX | Maryland | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 05/XX/2025 | 57.851% | 57.851% | Primary | Cash Out | 692 | 8.5 | Owner | 11.33 | $47172.90 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $60384.43 | 10.974% |  | Alternative | QC Complete | 06/20/2025 |
| 215150491 | XX | XX |  | XX | New Jersey | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: FTHB - \*\*Borrower does not meet the guidelines for First Time Home buyer\*\* Rule/Guidelines require the Borrower to have had a 12 month consistent housing payment history within the past 3 years.<br>A copy of an exception approval letter is available in the loan file. | FICO: 791 FICO exceeds the guideline requirement of 700.<br>Residual Income : $5,748.63 monthly <br>DTI: 34.30% DTI is less than the maximum guideline requirement of 50.00%. | Low Rise Condo (1-4 Stories) | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 791 |  | Regional Training Manager | 1.75 | $8750.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: |  | 34.301% | Yes | Full Documentation | QC Complete | 07/03/2025 |
| 215177502 | XX | XX |  | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX.<br>Resolved 07/XX/2025 - Received final title policy, condition resolved. |  |  | 2 Family | 05/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 726 |  | Owner | 2.67 | $69588.42 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.936% | No | Alternative | QC Complete | 07/07/2025 |
| 215177908 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | 06/XX/2025 | 75.000% | 75.000% | Secondary | Purchase | 765 |  | CEO | 12.08 | $109394.13 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 15.790% | No | Full Documentation | QC Complete | 07/07/2025 |
| 215180902 | XX | XX |  | XX | Arizona | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Missing Appraiser'S Errors And Omissions Policy<br>Resolved : Condition has been resolved as the E&O policy is not required. |  |  | Single Family | 05/XX/2025 | 73.536% | 73.536% | Primary | Refinance | 760 | 0.25 | Owner/Retail | 5.33 | $128175.20 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 15.633% |  | Alternative | QC Complete | 06/13/2025 |
| 215186099 | XX | XX |  | XX | Minnesota | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 74.146% | 74.146% | Investor | Cash Out | 743 |  | Owner/Construction | 17.41 | $1776836.17 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $294612.37 | 1.597% |  | Alternative | QC Complete | 07/22/2025 |
| 215189242 | XX | XX |  | XX | North Dakota | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide the settlement statement for the property located at XX as proof of sale.<br>Resolved 08/XX/2025 - Received proof for the sold properties, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: More than $500,000 cash-out between two files in process. Other loan is #XX.<br>A copy of an exception approval letter is available in the loan file. | FICO: 743 FICO exceeds the guideline requirement of 720.<br>DTI: 1.62% DTI is less than the maximum guideline requirement of 50.00%.<br>Residual Income: $1,748,010.08 monthly. | Single Family | 06/XX/2025 | 72.028% | 72.028% | Investor | Cash Out | 743 |  | Owner/ Construction | 17.41 | $1776836.17 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $263428.20 | 1.622% |  | Alternative | QC Complete | 09/15/2025 |
| 215193459 | XX | XX |  | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | 06/XX/2025 | 76.923% | 76.923% | Primary | Purchase | 786 |  |  |  | $0.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  |  | Yes | Full Documentation | QC Complete | 07/18/2025 |
| 215196668 | XX | XX |  | XX | Washington | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | 05/XX/2025 | 70.000% | 70.000% | Primary | Cash Out | 675 | 4 | Manager | 0.83 | $11599.99 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $95000.81 | 44.656% |  | Full Documentation | QC Complete | 07/22/2025 |
| 215204348 | XX | XX |  | XX | Indiana | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 738 |  | Self Employed | 3.05 | $44576.75 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 25.056% | No | Full Documentation | QC Complete | 07/07/2025 |
| 215206103 | XX | XX |  | XX | Maryland | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | 06/XX/2025 | 80.000% | 80.000% | Secondary | Purchase | 806 |  | Owner | 15.16 | $23183.33 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 45.839% | No | Full Documentation | QC Complete | 07/08/2025 |
| 215206269 | XX | XX |  | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 75.000% | 75.000% | Investor | Cash Out | 801 |  | Owner | 8.5 | $64868.18 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $138322.79 | 19.924% |  | Alternative | QC Complete | 06/20/2025 |
| 215207739 | XX | XX |  | XX | Oklahoma | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 726 |  | Owner | 22.08 | $54738.66 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 17.432% | No | Alternative | QC Complete | 07/21/2025 |
| 215224593 | XX | XX |  | XX | Michigan | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.668% Allowed 8.420% Overby +0.248%.<br>This loan is compliant with regulation 1026.35. |  |  | PUD | 06/XX/2025 | 70.000% | 70.000% | Primary | Cash Out | 675 | 5 | Owner Operator | 10.25 | $15860.31 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $181879.13 | 30.996% |  | Alternative | QC Complete | 07/08/2025 |
| 215226499 | XX | XX |  | XX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 05/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 798 |  | Owner | 10.08 | $13776.12 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 19.950% | No | Alternative | QC Complete | 06/20/2025 |
| 215238304 | XX | XX |  | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 66.297% | 66.297% | Primary | Purchase | 817 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Full Documentation | QC Complete | 07/07/2025 |
| 215249582 | XX | XX |  | XX | Massachusetts | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide business bank statements of XX for the month ending 11/XX/2024 as it is missing.<br>Resolved 07/XX/2025 - Received bank statement for Nov - month, condition resolved. |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 801 |  | Medical Biller | 10.25 | $15555.89 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.369% | No | Alternative | QC Complete | 07/07/2025 |
| 215260431 | XX | XX |  | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 797 |  | Partner | 5.83 | $22946.75 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 24.479% | No | Full Documentation | QC Complete | 07/21/2025 |
| 215267840 | XX | XX |  | XX | South Dakota | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 68.966% | 68.966% | Investor | Purchase | 735 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: |  |  | No | Alternative | QC Complete | 07/21/2025 |
| 215268269 | XX | XX |  | XX | Rhode Island | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 807 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/21/2025 |
| 215333857 | XX | XX |  | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX.<br>Resolved 08/XX/2025 - Received title final policy, condition resolved. |  |  | PUD | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 789 |  | President | 17.33 | $34564.95 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.816% | No | Full Documentation | QC Complete | 08/04/2025 |
| 215338476 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | 06/XX/2025 | 35.045% | 35.045% | Primary | Purchase | 787 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/22/2025 |
| 215340621 | XX | XX |  | XX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Mid Rise Condo (5-8 Stories) | 07/XX/2025 | 75.000% | 75.000% | Secondary | Purchase | 757 |  | CHILD SUPPORT QUALITY AND | 10 | $4790.93 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.039% | No | Full Documentation | QC Complete | 08/01/2025 |
| 215362807 | XX | XX |  | XX | Tennessee | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 07/XX/2025 | 14.737% | 14.737% | Primary | Cash Out | 754 | 2 | PRESIDENT | 3.5 | $148768.48 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type:Credit Report | $685059.71 | 4.148% |  | Alternative | QC Complete | 08/04/2025 |
| 215395310 | XX | XX |  | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 774 |  | Owner | 7.66 | $22601.01 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 29.256% | No | Alternative | QC Complete | 08/01/2025 |
| 9704590547 | XX | XX |  | XX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 07/XX/2025 | 85.000% | 85.000% | Investor | Purchase | 726 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/29/2025 |
| 9704920553 | XX | XX |  | XX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 687 |  | Owner | 25.67 | $1006341.37 | Mos Reviewed:17<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 3.748% | No | Alternative | QC Complete | 06/18/2025 |
| 9705518851 | XX | XX |  | XX | Michigan | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 85.000% | 85.000% | Primary | Purchase | 790 |  | Construction Manager | 1 | $7260.37 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.101% | No | Alternative | QC Complete | 07/01/2025 |
| 9706628261 | XX | XX |  | XX | Tennessee | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 75.000% | 75.000% | Primary | Purchase | 773 |  | CEO | 8.41 | $54164.08 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  | 10.493% | No | Alternative | QC Complete | 07/08/2025 |
| 9707697422 | XX | XX |  | XX | Arizona | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 755 |  |  |  |  | Mos Reviewed:93<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/12/2025 |
| 9709409222 | XX | XX |  | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 54.085% | 54.085% | Investor | Purchase | 795 |  | Owner | 5.83 | $36301.02 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 16.354% | No | Alternative | QC Complete | 09/15/2025 |
| 9709778097 | XX | XX |  | XX | Georgia | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Closing Protection Letter Missing - EV R<br> COMMENT: Missing ATIMA from lender loss payee info on CPL.<br>Resolved 06/XX/2025 - Received CPL, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | 05/XX/2025 | 38.333% | 38.333% | Primary | Purchase | 775 |  | Director | 9.17 | $12083.34 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 30.929% | No | Full Documentation | QC Complete | 06/24/2025 |
| 9710429532 | XX | XX |  | XX | Utah | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 777 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/18/2025 |
| 9711251331 | XX | XX |  | XX | Connecticut | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 07/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 666 |  | Principle Law LLC | 13.75 | $19404.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 48.955% | No | Alternative | QC Complete | 07/15/2025 |
| 9711253097 | XX | XX |  | XX | California | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX<br>Resolved 07/XX/2025 - Received title supplement report, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Loan amount of $xx does not meet the guideline requirement of maximum loan amount of $2M with credit score of 720.<br>A copy of an exception approval letter is available in the loan file. | LTV: 52.38% LTV is less than the guideline requirement of 80.00%.<br>DTI: 30.76% DTI is less than the maximum guideline requirement of 50.00%.<br>| PUD | 06/XX/2025 | 52.381% | 52.381% | Primary | Cash Out | 720 | 1.75 | CEO | 10.08 | $117586.48 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $472932.01 | 30.761% |  | Alternative | QC Complete | 07/02/2025 |
| 9712202002 | XX | XX |  | XX | Arizona | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of Title supplement as it is missing in the file.<br>Resolved 06/XX/2025 - Received title report with insured amount $XX, condition resolved.<br>\*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: The loan file identifies the subject property as an investment refinance, but the appraisal report lists the occupancy status as 'Owner-Occupied.' Please provide an updated appraisal report with the correct occupancy status.<br>Resolved 07/XX/2025 - Received Updated appraisal report, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide real estate appraisers error and omissions insurance policy, as it is missing.<br>Resolved 06/XX/2025 - Received E&O Policy, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Guides do not allow cashout with current VISA type C10 for investment property<br>A copy of an exception approval letter is available in the loan file. | FICO: 786 FICO exceeds the guideline requirement of 720.<br>DTI: 32.78% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 47 months of available reserves are more than the guideline requirement of 6 months. | Single Family | 05/XX/2025 | 75.000% | 75.000% | Investor | Cash Out | 786 |  | Managing Member | 3.25 | $26351.08 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $108903.14 | 32.788% |  | Alternative | QC Complete | 09/15/2025 |
| 9712471284 | XX | XX |  | XX | Indiana | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | 08/XX/2025 | 80.000% | 80.000% | Secondary | Cash Out | 755 |  | Owner | 8.25 | $143191.78 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $423510.35 | 4.785% |  | Alternative | QC Complete | 08/12/2025 |
| 9713718683 | XX | XX |  | XX | Michigan | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.366% Allowed 8.430% Overby +0.936%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | 06/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 782 |  | Sales | 2.75 | $6120.15 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 45.317% | No | Alternative | QC Complete | 06/17/2025 |
| 9713965565 | XX | XX |  | XX | Oklahoma | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 726 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 09/15/2025 |
| 9714039550 | XX | XX |  | XX | Tennessee | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.524% Allowed 8.250% Overby +1.274%.<br>This loan is compliant with regulation 1026.35. |  |  | PUD | 07/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 734 |  | Owner | 2.08 | $12901.59 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  | 39.737% | Yes | Alternative | QC Complete | 08/13/2025 |
| 9714242493 | XX | XX |  | XX | Tennessee | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide a copy of Secondary valuation, as it is missing.<br>Resolved 06/XX/2025 - Received CDA, condition resolved.<br>\*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Missing real estate appraisers error and omissions insurance policy.<br>Resolved 06/XX/2025 - Received E&O Policy, condition resolved. |  |  | PUD | 06/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 776 |  | Owner | 3.58 | $74080.30 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 30.322% | No | Alternative | QC Complete | 06/13/2025 |
| 9714915973 | XX | XX |  | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 710 |  | Truck Driver | 3 | $13551.77 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 31.618% | Yes | Alternative | QC Complete | 07/07/2025 |
| 9715862711 | XX | XX |  | XX | Florida | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Settlement Service Provider List is Missing.<br>Resolved 06/XX/2025: Received Settlement Service Provider List dated 4/XX/2025 and exception is cleared.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Missing real estate appraisers error and omissions insurance policy.<br>Resolved 06/XX/2025 - Received E&O Policy, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Exception that permits business funds to be spent 100% of time rather than 75% of the owners<br>A copy of an exception approval letter is available in the loan file. | Reserves: The 13 months of available reserves are more than the guideline requirement of 6 months.<br>FICO: 728 FICO exceeds the guideline requirement of 720.<br>DTI: 22.01% DTI is less than the maximum guideline requirement of 50.00%. | PUD | 05/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 728 |  | AMBR | 8.91 | $81623.00 | Mos Reviewed:13<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 23.014% | No | Alternative | QC Complete | 06/13/2025 |
| 9716665584 | XX | XX |  | XX | California | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: The borrower is a first-time home buyer who has been rent-free for the previous eight years, so an exception is required.<br>A copy of an exception approval letter is available in the loan file. | FICO: 755 FICO exceeds the guideline requirement of 700.<br>Reserves: The 23 months of available reserves are more than the guideline requirement of 6 months.<br>Residual Income: $8,331.13 monthly.<br>| Low Rise Condo (1-4 Stories) | 07/XX/2025 | 85.000% | 85.000% | Primary | Purchase | 755 |  | Attorney | 0.91 | $16250.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 48.732% | Yes | Full Documentation | QC Complete | 09/15/2025 |
| 9717164330 | XX | XX |  | XX | Pennsylvania | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX.<br>Resolved 06/XX/2025 - Received title report with insured amount, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | 05/XX/2025 | 79.911% | 79.911% | Investor | Refinance | 797 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 06/11/2025 |
| 9717707062 | XX | XX |  | XX | Kentucky | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.647% Allowed 8.290% Overby +0.357%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | 07/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 693 |  | Owner | 2.41 | $10144.64 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.912% | No | Alternative | QC Complete | 08/13/2025 |
| 9718064497 | XX | XX |  | XX | Hawaii | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Closing Protection Letter Missing - EV R<br> COMMENT: Provide CPL with ISAOA/ATIMA and updated lender loss payee address.<br>Resolved 06/XX/2025 - Received CPL with loss payee address, condition resolved.<br>\*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX<br>Resolved 06/XX/2025 - Received title report with coverage amount, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide updated Flood insurance policy with lender loss payee for Newrez, subject transaction loans and borrower names.<br>Resolved 06/XX/2025 - Received LOX from borrower, condition resolved. |  |  | High Rise Condo (>=9 Stories) | 05/XX/2025 | 70.000% | 70.000% | Investor | Purchase | 680 |  | Partner | 3.08 | $20103.06 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 40.928% | No | Full Documentation | QC Complete | 06/10/2025 |
| 9719607377 | XX | XX |  | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 07/XX/2025 | 85.000% | 85.000% | Primary | Purchase | 724 |  | Pharmacist | 23.08 | $16329.28 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.659% | No | Full Documentation | QC Complete | 07/31/2025 |
| 9719648389 | XX | XX |  | XX | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.339% Allowed 8.330% Overby +0.009%.<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | 07/XX/2025 | 85.000% | 85.000% | Primary | Purchase | 706 |  | Owner | 6.25 | $36865.68 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  | 6.417% | Yes | Alternative | QC Complete | 07/22/2025 |
| 9720107383 | XX | XX |  | XX | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.539% Allowed 8.170% Overby +0.369%.<br>This loan is compliant with regulation 1026.35 |  |  | Single Family | 07/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 786 |  | Owner | 9.25 | $9354.08 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: |  | 42.663% | No | Alternative | QC Complete | 07/30/2025 |
| 9721864123 | XX | XX |  | XX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX<br>Resolved 06/XX/2025 - Received title report with insured amount $XX, condition resolved. |  |  | Single Family | 05/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 708 |  | Owner | 10.33 | $12214.36 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 45.571% | No | Alternative | QC Complete | 06/04/2025 |
| 9723156221 | XX | XX |  | XX | Tennessee | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | 07/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 714 |  | Owner | 6.08 | $344277.30 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 1.923% | No | Alternative | QC Complete | 07/16/2025 |
| 9723365046 | XX | XX |  | XX | Oregon | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | 08/XX/2025 | 76.471% | 76.471% | Investor | Refinance | 737 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 08/13/2025 |
| 9724951349 | XX | XX |  | XX | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Quality of Appraisal Report Unacceptable - EV R<br> COMMENT: Provide an updated appraisal report reflecting the property type as PUD, as the Deed of Trust includes a PUD rider.<br>Resolved 08/XX/2025 - Received updated appraisal report, condition resolved. |  |  | Single Family | 07/XX/2025 | 70.000% | 70.000% | Investor | Cash Out | 703 |  | Owner | 20.5 | $44569.15 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $96303.24 | 30.714% |  | Alternative | QC Complete | 07/30/2025 |
| 9725361647 | XX | XX |  | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | 07/XX/2025 | 85.000% | 85.000% | Investor | Purchase | 761 |  | Devloper | 4.25 | $11587.50 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 28.245% | No | Full Documentation | QC Complete | 07/30/2025 |
| 9725471628 | XX | XX |  | XX | California | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: LTV of 82.88% exceeds the guideline requirement of max 80%. <br>A copy of an exception approval letter is available in the loan file. | FICO: 715 FICO exceeds the guideline requirement of 700.<br>Residual Income : $30,911.84 monthly<br>DTI: 37.36% DTI is less than the maximum guideline requirement of 50.00%. | PUD | 07/XX/2025 | 82.860% | 82.860% | Primary | Refinance | 715 | 0.92 | CEO | 3.92 | $49347.31 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.359% |  | Alternative | QC Complete | 07/30/2025 |
| 9725773759 | XX | XX |  | XX | Tennessee | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.315% Allowed 8.270% Overby +0.045%.<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | 07/XX/2025 | 85.000% | 85.000% | Primary | Purchase | 741 |  | Owner | 12 | $7896.71 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.303% | Yes | Alternative | QC Complete | 07/29/2025 |
| 9725911615 | XX | XX |  | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of Error & Omission insurance policy for the appraisal.<br>Resolved 06/XX/2025 - Received E&O Policy, condition resolved. |  |  | Single Family | 06/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 720 |  | CEO | 10 | $117586.48 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 31.450% | No | Alternative | QC Complete | 09/16/2025 |
| 9726235071 | XX | XX |  | XX | Connecticut | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | 07/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 751 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/30/2025 |
| 9726704001 | XX | XX |  | XX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Provide a copy of Error and Omission policy, as it is missing<br>Resolved 06/XX/2025 - Received E&O Policy, condition resolved. |  |  | 3 Family | 06/XX/2025 | 75.000% | 75.000% | Primary | Purchase | 774 |  | Broker Associate | 9.17 | $27266.89 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.611% | Yes | Alternative | QC Complete | 06/12/2025 |
| 9727271554 | XX | XX |  | XX | Texas | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.931% Allowed 8.300% Overby +1.631%.<br>This loan is compliant with regulation 1026.35. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: FTHB requirement for 12 months of housing payments<br>A copy of an exception approval letter is available in the loan file. | DTI: 10.43% DTI is less than the maximum guideline requirement of 43.00%.<br>Residual Income : $44,657.82 monthly.<br>FICO: 777 FICO exceeds the guideline requirement of 660.<br>| Single Family | 06/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 777 |  | Machine Installer | 16.42 | $49861.97 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 10.437% | Yes | Alternative | QC Complete | 06/19/2025 |
| 9727567126 | XX | XX |  | XX | Indiana | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | 08/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 739 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/13/2025 |
| 9728005712 | XX | XX |  | XX | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 08/XX/2025 | 80.000% | 80.000% | Investor | Refinance | 763 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 08/13/2025 |
| 9728038630 | XX | XX |  | XX | Oregon | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 07/XX/2025 | 69.739% | 69.739% | Investor | Cash Out | 714 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $224962.08 |  |  | Alternative | QC Complete | 09/15/2025 |
| 9728552911 | XX | XX |  | XX | Georgia | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) VOM or VOR missing/required - EV R<br> COMMENT: Missing VOR for property address XX with rent in the amount of $337.86.<br>Resolved 07/XX/2025 - Received rent free LOX, condition resolved. |  |  | 2 Family | 07/XX/2025 | 65.000% | 65.000% | Investor | Cash Out | 694 |  | Owner | 19.83 | $4664.18 | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Multiple Source Docs | $109801.45 | 41.849% |  | Full Documentation | QC Complete | 07/24/2025 |
| 9733260294 | XX | XX |  | XX | Florida | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Excessive DTI - EV W<br> COMMENT: Requesting exception for DTI exceeding 50%, Borrower DTI is 52.932%.<br>A copy of an exception approval letter is available in the loan file. | FICO: 753 FICO exceeds the guideline requirement of 700.<br>Reserves: The 7 months of available reserves are more than the guideline requirement of 3 months. | PUD | 06/XX/2025 | 80.000% | 80.000% | Primary | Cash Out | 753 | 1.25 | Manager | 3.42 | $7347.61 | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $22981.07 | 52.932% |  | Alternative | QC Complete | 09/15/2025 |
| 9733476759 | XX | XX |  | XX | Wisconsin | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 762 |  | Owner/Realtor | 6.41 | $19048.13 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.727% | No | Alternative | QC Complete | 07/10/2025 |
| 9733972211 | XX | XX |  | XX | South Carolina | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Missing Power of Attorney from seller XX to authorize XX singing authority.<br>Resolved 06/XX/2025 - Received Certificate of Authority, condition resolved. |  |  | PUD | 05/XX/2025 | 85.000% | 85.000% | Primary | Purchase | 778 |  | Owner | 17 | $19422.16 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 40.430% | No | Alternative | QC Complete | 06/24/2025 |
| 9734127641 | XX | XX |  | XX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 810 |  | Owner | 2.16 | $9583.29 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.993% | No | Alternative | QC Complete | 06/17/2025 |
| 9734228050 | XX | XX |  | XX | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 771 |  |  |  |  | Mos Reviewed:41<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/13/2025 |
| 9734450852 | XX | XX |  | XX | Arizona | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 05/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 753 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/12/2025 |
| 9735695497 | XX | XX |  | XX | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 734 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/18/2025 |
| 9735721830 | XX | XX |  | XX | Maryland | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: Provide a eligible copy of both borrowers identification proof.<br>Resolved 07/XX/2025 - Received GOV ID, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide real estate appraiser errors & omissions insurance policy , as it is missing.<br>Resolved 06/XX/2025 - Received E&O Policy, condition resolved. |  |  | Single Family | 06/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 707 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/18/2025 |
| 9736189920 | XX | XX |  | XX | Florida | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: EAD class C31 per form I-797C dated 8/29/24. Not an approved class per guide. <br>A copy of an exception approval letter is available in the loan file. | DTI: 9.22% DTI is less than the maximum guideline requirement of 50.00%.<br>Residual Income : $56,103.75 monthly | 2 Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 687 |  | Owner | 6.5 | $61804.29 | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 9.224% | Yes | Alternative | QC Complete | 06/17/2025 |
| 9737161134 | XX | XX |  | XX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 65.000% | 65.000% | Investor | Purchase | 728 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/17/2025 |
| 9738803130 | XX | XX |  | XX | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 75.000% | 75.000% | Investor | Cash Out | 804 |  | Clinical Pharmacist I | 1.75 | $13788.67 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $25972.50 | 31.008% |  | Full Documentation | QC Complete | 07/02/2025 |
| 9738970079 | XX | XX |  | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 785 |  | Owner | 3.83 | $20132.64 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 14.804% | Yes | Alternative | QC Complete | 09/15/2025 |
| 9739383553 | XX | XX |  | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 07/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 721 |  | Manager | 2.75 | $60653.76 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 18.839% | No | Alternative | QC Complete | 07/17/2025 |
| 9740334934 | XX | XX |  | XX | Indiana | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 760 |  | Owner | 4.83 | $22428.38 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.693% | No | Alternative | QC Complete | 06/17/2025 |
| 9740369310 | XX | XX |  | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 07/XX/2025 | 61.275% | 61.275% | Primary | Cash Out | 681 | 17.25 | Owner | 16.3 | $10017.12 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $118269.97 | 27.421% |  | Alternative | QC Complete | 07/21/2025 |
| 9740462784 | XX | XX |  | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 730 |  | President | 5.5 | $60205.14 | Mos Reviewed:11<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 18.400% | No | Alternative | QC Complete | 06/16/2025 |
| 9740804597 | XX | XX |  | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | 06/XX/2025 | 65.000% | 65.000% | Investor | Purchase | 694 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/11/2025 |
| 9741796883 | XX | XX |  | XX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | 08/XX/2025 | 73.636% | 73.636% | Investor | Refinance | 708 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 09/15/2025 |
| 9743579188 | XX | XX |  | XX | Illinois | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Cash Out | 702 | 2.5 | Owner | 5.75 | $76987.90 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $7675.49 | 14.192% |  | Alternative | QC Complete | 06/20/2025 |
| 9743933609 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | 07/XX/2025 | 85.000% | 85.000% | Primary | Purchase | 711 |  | President | 6.92 | $10290.00 | Mos Reviewed:24<br> Times 1X30:1<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.036% | No | Alternative | QC Complete | 09/15/2025 |
| 9747737311 | XX | XX |  | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 07/XX/2025 | 73.576% | 73.576% | Investor | Cash Out | 725 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $222956.11 |  |  | Alternative | QC Complete | 07/22/2025 |
| 9747880715 | XX | XX |  | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide a copy of mortgage statement of #XX<br>Resolved 06/XX/2025 - Received loan estimate reflecting mortgage P&I amount, condition resolved. |  |  | Single Family | 06/XX/2025 | 59.880% | 59.880% | Investor | Cash Out | 724 |  | President & CEO | 7.42 | $90887.66 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $486581.01 | 31.335% |  | Alternative | QC Complete | 06/18/2025 |
| 9748303428 | XX | XX |  | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 07/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 775 |  | Owner | 5.41 | $37421.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  | 22.467% | Yes | Alternative | QC Complete | 07/30/2025 |
| 9749123676 | XX | XX |  | XX | Utah | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: "Requesting an exception to allow the subject property, which is a log home." Exception approval available in the loan file. | 727 exceeds the minimum guideline requirement of 700<br>216.58 months reserves exceed the minimum guideline of 3 months.<br>DTI of 3.05% is less than the maximum guideline requirement of 50%. | Single Family | 06/XX/2025 | 70.000% | 70.000% | Primary | Purchase | 727 |  | Owner | 18.25 | $625426.28 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 3.052% | No | Alternative | QC Complete | 06/17/2025 |
| 9749311313 | XX | XX |  | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Submit proof of tax payment and insurance coverage for the investment property located at XX<br>Resolved 08/XX/2025 - Received tax bill and purchase contract and Insurance is not required as it is land property, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of proof document for Child Support.<br>Resolved 08/XX/2025 - Received divorce decree document, condition resolved. |  |  | Single Family | 07/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 735 |  | Owner | 11 | $9421.03 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.711% | No | Alternative | QC Complete | 07/31/2025 |
| 9749369956 | XX | XX |  | XX | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Purchase Contract - EV R<br> COMMENT: Missing addendum for change in purchase price in the amount $xx.<br>Resolved 06/XX/2025 - Received purchase agreement, condition resolved.<br>\*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.518% Allowed 8.300% Overby +0.218%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide wire transfer or bank statement to verify the gift amount of $40,000.00. as it is missing.<br>Resolved 06/XX/2025 - Received gift wire, condition resolved.<br>\*\*\* (CURED) State Higher Price Mortgage Loan - EV R<br> COMMENT: CA AB 260, California Financial Code Division 1.9 4995(a)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.<br>CA AB 260 Higher-Priced Mortgage Loan Test: Charged 8.518% Allowed 8.300% Overby +0.218%<br>This loan is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | 3 Family | 06/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 738 |  | Owner | 3.08 | $32284.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 25.554% | Yes | Alternative | QC Complete | 09/16/2025 |
| 9749502945 | XX | XX |  | XX | Indiana | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 07/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 751 |  | Owner/Realtor | 19.25 | $19318.61 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.742% | No | Alternative | QC Complete | 07/17/2025 |
| 9750242373 | XX | XX |  | XX | Massachusetts | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.360% Allowed 8.380% Overby +0.980%.<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) State Higher Price Mortgage Loan - EV R<br> COMMENT: (MA 209 CMR 32.35) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Massachusetts Regulations.<br>MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test: Charged 9.360% Allowed 8.380% Overby +0.980%.<br>This loan is compliant with regulation (MA 209 CMR 32.35). |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 649 |  | Owner | 10.16 | $19528.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  | 28.384% | Yes | Alternative | QC Complete | 07/03/2025 |
| 9750391212 | XX | XX |  | XX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide real estate appraisers error and omissions insurance policy, as it is missing.<br>Resolved 06/XX/2025 - Received E&O Policy, condition resolved. |  |  | 4 Family | 06/XX/2025 | 85.000% | 85.000% | Investor | Purchase | 804 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/18/2025 |
| 9751240731 | XX | XX |  | XX | Rhode Island | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 796 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/09/2025 |
| 9752717109 | XX | XX |  | XX | Wisconsin | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Missing Lead-Based Paint Disclosure for property build on year 1878.<br>Resolved 07/XX/2025 - Received LOX as lead based document is not required for refinance loans, condition resolved. |  |  | 2 Family | 06/XX/2025 | 52.632% | 52.632% | Investor | Cash Out | 718 |  |  |  | $0.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $84667.89 |  |  | Alternative | QC Complete | 09/15/2025 |
| 9753373191 | XX | XX |  | XX | California | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: To allow dispute to stay on credit and not be removed and new credit pulled.<br>A copy of an exception approval letter is available in the loan file. | FICO: 760 FICO exceeds the guideline requirement of 700.<br>LTV: 80.00% LTV is less than the guideline requirement of 85.00%.<br>DTI: 40.82% DTI is less than the maximum guideline requirement of 50.00%. | PUD | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 760 |  | Owner | 19.83 | $42729.45 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 40.825% | No | Alternative | QC Complete | 06/20/2025 |
| 9753565770 | XX | XX |  | XX | Pennsylvania | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Provide real estate appraiser errors & omissions insurance policy , as it is missing.<br>Resolved 06/XX/2025 - Received E&O insurance policy, condition resolved. |  |  | 2 Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 757 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/20/2025 |
| 9753733584 | XX | XX |  | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Subject or Comp Photos are missing or illegible - EV R<br> COMMENT: Provide updated copy of appraisal report with at least 3 comparable sales with each with its own clear, front-view photo.<br>Resolved 07/XX/2025 - Received updated appraisal report, condition resolved. |  |  | PUD | 06/XX/2025 | 38.889% | 38.889% | Secondary | Cash Out | 771 |  | Plumber | 35.42 | $53759.52 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $200987.00 | 16.349% |  | Alternative | QC Complete | 07/02/2025 |
| 9753734798 | XX | XX |  | XX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | 06/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 672 |  | Executive Vice President | 17.16 | $31250.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type:Credit Report |  | 33.701% | No | Full Documentation | QC Complete | 09/15/2025 |
| 9754172212 | XX | XX |  | XX | Texas | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX.<br>Resolved 07/XX/2025 - Received title report with insured amount, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: NSF event of 22 exceed the guideline requirement of maximum six NSF event in the any 12-month period.<br>A copy of an exception approval letter is available in the loan file. | LTV: 60.61% LTV is less than the guideline requirement of 75.00%.<br>Residual Income : $11,221.04 monthly. | Single Family | 07/XX/2025 | 60.606% | 60.606% | Primary | Cash Out | 692 | 28 | Owner | 30.16 | $20175.11 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $289902.72 | 44.382% |  | Alternative | QC Complete | 07/15/2025 |
| 9754186832 | XX | XX |  | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 814 |  | Owner | 17.08 | $33504.00 | Mos Reviewed:50<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.942% | No | Alternative | QC Complete | 06/13/2025 |
| 9755274272 | XX | XX |  | XX | Tennessee | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Purchase Contract - EV R<br> COMMENT: The purchase agreement expired on June XX, 2024; provide copy of updated purchase agreement or addendum.<br>Resolved 07/XX/2025 - Received LOX as contract addendum for closing date and this is not short sale, condition resolved. |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 681 |  | Owner | 7.58 | $12763.55 | Mos Reviewed:73<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.842% | No | Alternative | QC Complete | 06/24/2025 |
| 9756023504 | XX | XX |  | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX.<br>Resolved 08/XX/2025 - Received Supplemental report, condition resolved. |  |  | Single Family | 07/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 771 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/01/2025 |
| 9756610177 | XX | XX |  | XX | Illinois | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 711 |  | Driver | 2.67 | $21241.61 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.857% | No | Alternative | QC Complete | 06/24/2025 |
| 9756814084 | XX | XX |  | XX | Virginia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | 06/XX/2025 | 75.000% | 75.000% | Secondary | Purchase | 707 |  | CEO | 5.33 | $18368.08 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.543% | No | Alternative | QC Complete | 07/09/2025 |
| 9757207379 | XX | XX |  | XX | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | 05/XX/2025 | 75.000% | 75.000% | Primary | Cash Out | 733 | 30 | Owner | 12.42 | $36448.97 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $356332.54 | 19.033% |  | Alternative | QC Complete | 06/12/2025 |
| 9757251757 | XX | XX |  | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | 06/XX/2025 | 85.000% | 85.000% | Investor | Purchase | 804 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/18/2025 |
| 9758643663 | XX | XX |  | XX | Washington | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | 06/XX/2025 | 79.730% | 79.730% | Primary | Purchase | 789 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  |  | Yes | Alternative | QC Complete | 06/16/2025 |
| 9759639603 | XX | XX |  | XX | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Appraisal missing copy of appraisers error and omissions policy.<br>Resolved 06/XX/2025 - Received E&O Policy, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Missing E&O insurance policy.<br>Resolved 06/XX/2025 - Received E&O Policy, condition resolved. |  |  | PUD | 06/XX/2025 | 85.000% | 85.000% | Investor | Purchase | 751 |  | Business Owner | 6.42 | $30627.46 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.750% | No | Alternative | QC Complete | 09/15/2025 |
| 9759654354 | XX | XX |  | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | 05/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 794 |  |  |  |  | Mos Reviewed:45<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/13/2025 |
| 9760903360 | XX | XX |  | XX | Alaska | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 750 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/04/2025 |
| 9761084681 | XX | XX |  | XX | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 68.965% | 68.965% | Primary | Cash Out | 706 | 10 | Owner | 18.42 | $66093.49 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $205808.83 | 18.605% |  | Alternative | QC Complete | 07/02/2025 |
| 9761504894 | XX | XX |  | XX | New York | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.566% Allowed 8.170% Overby +0.396%.<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | 07/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 720 |  | Owner | 14.5 | $31994.67 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.743% | Yes | Alternative | QC Complete | 07/31/2025 |
| 9761512970 | XX | XX |  | XX | Louisiana | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 782 |  | Clerk | 22.75 | $9510.69 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.038% | No | Full Documentation | QC Complete | 07/17/2025 |
| 9761834184 | XX | XX |  | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | 06/XX/2025 | 57.107% | 57.107% | Investor | Cash Out | 749 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $216692.26 |  |  | Alternative | QC Complete | 06/24/2025 |
| 9762017110 | XX | XX |  | XX | Illinois | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 05/XX/2025 | 42.732% | 42.732% | Primary | Refinance | 723 | 0.83 | Orthopedics Surgeon | 16.83 | $105424.59 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 21.040% |  | Alternative | QC Complete | 06/16/2025 |
| 9762196096 | XX | XX |  | XX | Illinois | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 732 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/09/2025 |
| 9762418755 | XX | XX |  | XX | Wisconsin | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 07/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 762 |  | Owner | 6.25 | $23849.22 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 20.221% | No | Alternative | QC Complete | 07/15/2025 |
| 9762653500 | XX | XX |  | XX | Indiana | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 9.427% Allowed 8.330% +Overby 1.097%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | 07/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 733 |  | Owner | 7.5 | $10428.14 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.824% | No | Alternative | QC Complete | 07/31/2025 |
| 9762725936 | XX | XX |  | XX | Ohio | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.521% Allowed 8.270% Overby +0.251%<br>This loan is compliant with regulation 1026.35. |  |  | PUD | 07/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 725 |  | Owner | 6.08 | $13089.15 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  | 25.979% | Yes | Alternative | QC Complete | 08/01/2025 |
| 9762875632 | XX | XX |  | XX | Washington | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of bank statement for the month of Dec 2024 "XX<br>Resolved 06/XX/2025 - Received Dec month bank statement, condition resolved. |  |  | PUD | 05/XX/2025 | 81.417% | 81.417% | Primary | Refinance | 757 | 0.58 | Owner | 4.33 | $18132.52 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 29.216% |  | Alternative | QC Complete | 06/13/2025 |
| 9763084374 | XX | XX |  | XX | Missouri | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 07/XX/2025 | 85.000% | 85.000% | Investor | Purchase | 801 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/01/2025 |
| 9763825107 | XX | XX |  | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 60.000% | 60.000% | Primary | Purchase | 758 |  | Attomey-Owner | 22.92 | $46674.56 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 40.313% | No | Alternative | QC Complete | 07/17/2025 |
| 9765057618 | XX | XX |  | XX | North Carolina | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Final CD missing 2,3,4 pages of 5.<br>Resolved 07/XX/2025: Received Final CD missing 2,3,4 pages of 5 dated 7/xx/2025 and exception is cleared. |  |  | PUD | 07/XX/2025 | 65.000% | 65.000% | Investor | Cash Out | 772 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $18347.86 |  |  | Alternative | QC Complete | 09/15/2025 |
| 9765183133 | XX | XX |  | XX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 737 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/16/2025 |
| 9765768321 | XX | XX |  | XX | Indiana | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 756 |  | Contractor | 3.42 | $16989.26 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.499% | No | Alternative | QC Complete | 06/18/2025 |
| 9766773098 | XX | XX |  | XX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 794 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/18/2025 |
| 9766842471 | XX | XX |  | XX | Utah | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: The Title Commitment is incomplete due to missing Schedules B and C.<br>Resolved 06/XX/2025 - Received title commitment with schedule B and C, condition resolved. |  |  | Single Family | 06/XX/2025 | 78.668% | 78.668% | Primary | Purchase | 756 |  | CEO & Owner | 7.75 | $1027657.70 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 2.230% | No | Alternative | QC Complete | 06/19/2025 |
| 9767090781 | XX | XX |  | XX | Oregon | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: The borrower is using a bridge loan from their departing residence at xxwhich is currently listed for sale.<br>A copy of an exception approval letter is available in the loan file. | FICO: 803 FICO exceeds the guideline requirement of 700.<br>Residual Income : $28,510.93 monthly. | Single Family | 06/XX/2025 | 75.000% | 75.000% | Primary | Purchase | 803 |  | Owner | 17.25 | $44526.58 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 35.969% | No | Alternative | QC Complete | 07/09/2025 |
| 9767604268 | XX | XX |  | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 07/XX/2025 | 60.000% | 60.000% | Secondary | Cash Out | 750 |  | Partner | 14.08 | $362374.62 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $582788.30 | 16.621% |  | Alternative | QC Complete | 07/31/2025 |
| 9767792816 | XX | XX |  | XX | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 726 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/03/2025 |
| 9768061740 | XX | XX |  | XX | California | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX<br>Resolved 06/XX/2025 - Received final policy with insured amount $XX, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of missing PUD Rider.<br>Resolved 07/XX/2025 - Received PUD Rider, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: The borrower's 12-month history is comprised of a VOR from 10/31/2024 to the current at XX reflecting 0x30 for 7 months. Before that, the borrower lived at XX at family home that he owned and recently sold on 4/XX/2025 for 30days. The remainder of the 12 months was documented with bank statements from 4/11/2024 -9/10/2024 showing payments of $1552.00 a copy of a month-to-month lease indicated the amount paid was not the full rental amount, and the borrower provided a letter of explanation stating that he at the time they were living with their ex-who was responsible for the other half of the rent and they no longer communication so he is unable to provide the proof the other half of the rent payments during that time.<br> Asking for an exception to accept rental history as documented.<br>A copy of an exception approval letter is available in the loan file. | FICO: 717 FICO exceeds the guideline requirement of 660.<br>DTI: 26.94% DTI is less than the maximum guideline requirement of 50.00%. | PUD | 05/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 717 |  | Plumber | 20.33 | $26648.20 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.939% | No | Alternative | QC Complete | 06/17/2025 |
| 9769008401 | XX | XX |  | XX | Louisiana | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Property is vacant - EV R<br> COMMENT: Appraisal reflecting occupant as vacant , it should be owner as the purpose of transaction is primary refinance. Provide an updated appraisal.<br>Resolved 06/XX/2025 - Received Updated appraisal report, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a quit claim deed to transfer the ownership from " XXC" to "XX".<br>Resolved 06/XX/2025 - Received Quit claim deed, condition resolved. |  |  | Single Family | 06/XX/2025 | 78.646% | 78.646% | Primary | Refinance | 754 | 2 | Owner | 4.75 | $42285.67 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type:Credit Report |  | 25.912% |  | Alternative | QC Complete | 06/18/2025 |
| 9769258345 | XX | XX |  | XX | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | 07/XX/2025 | 85.000% | 85.000% | Investor | Purchase | 785 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/13/2025 |
| 9769260945 | XX | XX |  | XX | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Additional Address on Credit Report - EV R<br> COMMENT: Borrower staying rent, require 2 years of housing history, provide a copy of VOR of (XX)<br>Provide a letter of explanation for the additional address indicated in the credit report during the last 24 months.<br>Resolved 06/XX/2025: Resolved as the borrower has rented the current primary residence atXXL from<br> 8/2023 through the present (over 12 months.) A VOR for the prior residence is not required.<br>\*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide a copy of 2 months recent bank statement XX,as it is missing.<br>Resolved 06/XX/2025 - Received bank statement, condition resolved. |  |  | Single Family | 05/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 765 |  | Coach/Trainer of Figure | 9.33 | $10461.93 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  | 40.895% | Yes | Alternative | QC Complete | 06/03/2025 |
| 9769832636 | XX | XX |  | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 783 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/03/2025 |
| 9769842841 | XX | XX |  | XX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Cash Out | 766 |  | Teacher | 10.58 | $11916.36 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $118589.82 | 39.873% |  | Full Documentation | QC Complete | 07/23/2025 |
| 9770129188 | XX | XX |  | XX | Ohio | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Non-Perm Resident with Class U2 Visa <br> A copy of an exception approval letter is available in the loan file. | FICO: 711 FICO exceeds the guideline requirement of 660.<br>DTI: 32.35% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 107 months of available reserves are more than the guideline requirement of 5 months.<br>| 2 Family | 07/XX/2025 | 70.000% | 70.000% | Investor | Cash Out | 711 |  | Owner | 6.5 | $38258.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $236332.65 | 32.101% |  | Alternative | QC Complete | 09/15/2025 |
| 9771710937 | XX | XX |  | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX<br>Resolved 06/XX/2025 - Received title report for insured amount, condition resolved. |  |  | 4 Family | 05/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 794 |  | Owner | 3.23 | $32543.64 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.882% | No | Alternative | QC Complete | 06/09/2025 |
| 9771856235 | XX | XX |  | XX | Utah | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of title supplement report, title insured amount xx not covering the loan amount of $XX<br>Resolved 07/XX/2025 - Received updated title with insured amount, condition resolved. |  |  | Single Family | 07/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 678 |  | Owner | 7.08 | $39916.30 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.994% | No | Alternative | QC Complete | 07/16/2025 |
| 9773629010 | XX | XX |  | XX | Pennsylvania | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: 5% LTV exception for over $2M guideline is 75%, requesting 80% LTV.<br>A copy of an exception approval letter is available in the loan file. | FICO: 761 FICO exceeds the guideline requirement of 740.<br>DTI: 46.55% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 53 months of available reserves are more than the guideline requirement of 12 months. | Single Family | 07/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 761 |  | Owner/Veterinarian | 8.25 | $47044.42 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 46.863% | No | Alternative | QC Complete | 08/01/2025 |
| 9773945457 | XX | XX |  | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | 07/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 759 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/01/2025 |
| 9774684642 | XX | XX |  | XX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of title supplemental report to cover the loan amount $XX<br>Resolved on 06/XX/2025 : Received Title document , condition resolved. |  |  | Single Family | 05/XX/2025 | 34.641% | 34.641% | Primary | Purchase | 774 |  | Owner | 3.33 | $14823.58 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 23.173% | No | Alternative | QC Complete | 06/10/2025 |
| 9774929005 | XX | XX |  | XX | Alabama | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | 07/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 726 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/31/2025 |
| 9775010185 | XX | XX |  | XX | Illinois | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 75.000% | 75.000% | Investor | Cash Out | 722 | 4.08 | Carpenter | 3.16 | $5691.05 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $14562.45 | 45.624% |  | Full Documentation | QC Complete | 07/02/2025 |
| 9776109259 | XX | XX |  | XX | Wisconsin | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.686% Allowed 8.420% Overby +0.266%.<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | 06/XX/2025 | 85.000% | 85.000% | Primary | Purchase | 704 |  | Owner | 2.66 | $7196.95 | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  | 20.754% | No | Alternative | QC Complete | 06/19/2025 |
| 9777293037 | XX | XX |  | XX | Hawaii | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX<br>Resolved 08/XX/2025 - Received title supplement report, condition resolved. |  |  | PUD | 07/XX/2025 | 70.000% | 70.000% | Primary | Cash Out | 658 | 21.41 | Manager | 4.05 | $2400.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $633055.78 | 47.872% |  | Full Documentation | QC Complete | 08/04/2025 |
| 9777617797 | XX | XX |  | XX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 735 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/31/2025 |
| 9777756454 | XX | XX |  | XX | Virginia | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing proof of hazard insurance - EV R<br> COMMENT: Hazard insurance reflecting incorrect subject address.Provide an updated hazard insurance.<br>Resolved 07/XX/2025 - Received corrected hazard insurance, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Proof of EMD missing in the file.<br>Resolved 06/XX/2025 - Received client response as The borrower had sufficient assets to cover the funds to close and reserves without verifying the EMD, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | 06/XX/2025 | 70.000% | 70.000% | Primary | Purchase | 771 |  | Senior Image scientist | 3.25 | $10065.47 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 28.209% | Yes | Full Documentation | QC Complete | 06/12/2025 |
| 9778121526 | XX | XX |  | XX | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 07/XX/2025 | 55.446% | 55.446% | Primary | Cash Out | 766 | 9.42 | Owner | 32.5 | $15979.31 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $103751.92 | 14.364% |  | Alternative | QC Complete | 08/13/2025 |
| 9778243098 | XX | XX |  | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | 07/XX/2025 | 34.783% | 34.783% | Investor | Cash Out | 776 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $192727.64 |  |  | Alternative | QC Complete | 07/16/2025 |
| 9778868407 | XX | XX |  | XX | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Secondary | Purchase | 737 |  | Owner | 22.41 | $42340.03 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 17.625% | No | Alternative | QC Complete | 06/24/2025 |
| 9779543488 | XX | XX |  | XX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | 07/XX/2025 | 70.000% | 70.000% | Investor | Cash Out | 798 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :Yes<br> Total Delinquent:0.00000<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $132359.29 |  |  | Alternative | QC Complete | 07/16/2025 |
| 9779610733 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | 07/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 734 |  | Owner | 19.25 | $27951.26 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.954% | No | Alternative | QC Complete | 07/21/2025 |
| 9781360152 | XX | XX |  | XX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 701 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/17/2025 |
| 9781692034 | XX | XX |  | XX | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 85.000% | 85.000% | Primary | Purchase | 811 |  | Real Estate Broker | 4.08 | $15225.37 | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 47.913% | Yes | Alternative | QC Complete | 06/23/2025 |
| 9782158159 | XX | XX |  | XX | Georgia | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.891% Allowed 8.250% +Overby 1.641%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) VOM or VOR missing/required - EV R<br> COMMENT: Please provide a Verification of Rent (VOR) for the borrower's current residence located at XX, where the monthly rent is $1,500.<br>Resolved 08/XX/2025 - Received credit supplemental report with 12 months rental history, condition resolved. |  |  | Single Family | 07/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 755 |  | Hair Stylist & Makeup Artist | 15.83 | $3355.19 | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  | 40.201% | Yes | Alternative | QC Complete | 08/01/2025 |
| 9782469374 | XX | XX |  | XX | Indiana | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 75.000% | 75.000% | Investor | Cash Out | 758 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $52536.49 |  |  | Alternative | QC Complete | 07/09/2025 |
| 9783075964 | XX | XX |  | XX | New Jersey | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: The Borrower's Driver License expired on 07/XX/2025, which is prior to the closing date. Provide a updated government ID<br>Resolved 07/XX/2025 - Received un expired passport, condition resolved. |  |  | Single Family | 07/XX/2025 | 68.434% | 68.434% | Investor | Cash Out | 797 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $102634.27 |  |  | Alternative | QC Complete | 07/17/2025 |
| 9783333835 | XX | XX |  | XX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The $XX coverage amount on the title report is less than the mortgage loan amount of $1XX<br>Resolved 06/XX/2025 - Received title report with insured amount, condition resolved.<br>\*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide copy of VOR proof of XX<br>Resolved 06/XX/2025 - Received Client response as LOX is not required for the previous residence property, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Hazard insurance does not reflects ISAOA ATIMA.<br>Resolved 07/XX/2025 - Received updated insurance document, condition resolved. |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Refinance | 775 | 1.58 | Electrician | 3.25 | $5520.41 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.599% |  | Alternative | QC Complete | 06/19/2025 |
| 9783519813 | XX | XX |  | XX | Illinois | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 770 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/08/2025 |
| 9783719074 | XX | XX |  | XX | South Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | 07/XX/2025 | 75.000% | 75.000% | Secondary | Purchase | 772 |  | President | 9.33 | $16333.33 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.531% | No | Full Documentation | QC Complete | 07/22/2025 |
| 9784014327 | XX | XX |  | XX | North Carolina | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.748% Allowed 8.370% Overby +0.378%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide Real estate appraisers error and omissions insurance policy, as it is missing<br>Resolved 06/XX/2025 - Received appraisal report with E&O Policy, condition resolved. |  |  | PUD | 05/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 761 |  | President | 10.33 | $66902.72 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 16.730% | No | Alternative | QC Complete | 06/10/2025 |
| 9784429244 | XX | XX |  | XX | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 07/XX/2025 | 49.516% | 49.516% | Primary | Refinance | 730 | 3.66 | Broker | 3.5 | $6862.28 | Mos Reviewed:0<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: |  | 27.329% |  | Alternative | QC Complete | 09/15/2025 |
| 9784578719 | XX | XX |  | XX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 727 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/12/2025 |
| 9784651755 | XX | XX |  | XX | Pennsylvania | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX.<br>Resolved 06/XX/2025 - Received title insured amount, condition resolved. |  |  | Single Family | 06/XX/2025 | 75.000% | 75.000% | Primary | Cash Out | 718 | 34 |  |  | $2285.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $166388.47 | 42.551% |  | Alternative | QC Complete | 06/23/2025 |
| 9785492126 | XX | XX |  | XX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 820 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 09/15/2025 |
| 9785841488 | XX | XX |  | XX | Minnesota | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.292% Allowed 8.300% Overby +0.992%.<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 668 |  | Partner | 3.5 | $9286.69 | Mos Reviewed:44<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.236% | No | Alternative | QC Complete | 06/12/2025 |
| 9786022021 | XX | XX |  | XX | Oregon | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | 07/XX/2025 | 80.000% | 80.000% | Primary | Refinance | 756 | 0.75 | Owner | 5.5 | $31153.87 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.799% |  | Alternative | QC Complete | 07/31/2025 |
| 9786028051 | XX | XX |  | XX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Cash Out | 814 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $118977.61 |  |  | Alternative | QC Complete | 07/31/2025 |
| 9786310780 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 07/XX/2025 | 70.000% | 70.000% | Primary | Purchase | 790 |  | Owner | 4.08 | $16433.38 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 35.180% | No | Alternative | QC Complete | 07/18/2025 |
| 9788544097 | XX | XX |  | XX | South Carolina | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: FTHB with no prior housing payment in the past 12 months purchasing a 2nd home.<br>A copy of an exception approval letter is available in the loan file. | FICO: 738 FICO exceeds the guideline requirement of 720.<br>DTI: 41.58% DTI is less than the maximum guideline requirement of 50.00%.<br>| Low Rise Condo (1-4 Stories) | 06/XX/2025 | 80.000% | 80.000% | Secondary | Purchase | 738 |  | Owner/Operator | 25.42 | $28632.41 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.578% | Yes | Alternative | QC Complete | 06/17/2025 |
| 9788547934 | XX | XX |  | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide lease agreement for XX ($2500), as it is missing.<br>Resolved 07/XX/2025 - There is no lease agreement required for STR Income, condition resolved. |  |  | 3 Family | 06/XX/2025 | 70.000% | 70.000% | Investor | Cash Out | 758 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $133344.54 |  |  | Alternative | QC Complete | 07/02/2025 |
| 9789025872 | XX | XX |  | XX | Maryland | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 59.190% | 59.190% | Primary | Cash Out | 775 | 21 | Owner | 12.83 | $8152.77 | Mos Reviewed:99<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $39095.89 | 29.791% |  | Alternative | QC Complete | 06/18/2025 |
| 9789711919 | XX | XX |  | XX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | 07/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 795 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/17/2025 |
| 9791447155 | XX | XX |  | XX | Washington | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | 07/XX/2025 | 51.765% | 51.765% | Investor | Cash Out | 736 |  |  |  | $7344.30 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $62672.59 | 38.700% |  | Full Documentation | QC Complete | 07/29/2025 |
| 9791539969 | XX | XX |  | XX | Wisconsin | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | 07/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 752 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/31/2025 |
| 9791641922 | XX | XX |  | XX | Alabama | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | 07/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 754 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/22/2025 |
| 9791752257 | XX | XX |  | XX | Georgia | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The $XX coverage amount on the title report is less than the mortgage loan amount of $XX.<br>Resolved 06/XX/2025 - Received title report with insured amount, condition resolved. |  |  | PUD | 06/XX/2025 | 69.863% | 69.863% | Primary | Cash Out | 704 | 5.58 | Owner | 16.83 | $9655.48 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $139887.10 | 47.611% |  | Alternative | QC Complete | 06/19/2025 |
| 9791776983 | XX | XX |  | XX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 757 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/19/2025 |
| 9791918551 | XX | XX |  | XX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | 07/XX/2025 | 85.000% | 85.000% | Investor | Purchase | 776 |  | Owner | 11.41 | $120440.87 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 9.039% | No | Alternative | QC Complete | 07/16/2025 |
| 9791947352 | XX | XX |  | XX | Pennsylvania | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Cash Out | 741 | 1.83 | Project Manager | 3.25 | $6668.58 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $78885.92 | 49.473% |  | Full Documentation | QC Complete | 07/03/2025 |
| 9793014938 | XX | XX |  | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | 07/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 777 |  |  |  | $0.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/16/2025 |
| 9793055337 | XX | XX |  | XX | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide updated Hazard insurance with mortgage clause.<br>Resolved 07/XX/2025 - Received Updated insurance document, condition resolved. |  |  | Single Family | 06/XX/2025 | 69.321% | 69.321% | Investor | Cash Out | 735 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $176094.89 |  |  | Alternative | QC Complete | 07/10/2025 |
| 9793247447 | XX | XX |  | XX | South Carolina | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.577% Allowed 8.380% Overby +1.197%.<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | 06/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 785 |  | Owner | 3.25 | $14123.81 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  | 44.739% | No | Alternative | QC Complete | 07/17/2025 |
| 9793446429 | XX | XX |  | XX | Connecticut | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: "The hazard insurance policy was not properly scanned. The Dwelling coverage amount shows $xx, indicating a missing digit."<br>Resolved 07/XX/2025 - Received corrected insurance, condition resolved. |  |  | Single Family | 06/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 707 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/09/2025 |
| 9793638272 | XX | XX |  | XX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 794 |  | General Physician | 21.42 | $7182.99 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.186% | No | Alternative | QC Complete | 07/09/2025 |
| 9794525197 | XX | XX |  | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 75.000% | 75.000% | Primary | Cash Out | 693 | 15 | Owner | 6.33 | $17176.03 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $80781.24 | 23.876% |  | Alternative | QC Complete | 06/20/2025 |
| 9794614397 | XX | XX |  | XX | New Jersey | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of the Title supplement, as the proposed title insurance amount of $XX is inadequate to cover the loan amount of $XX.<br>Resolved 06/XX/2025 - Received title report with insured amount, condition resolved. |  |  | 3 Family | 06/XX/2025 | 75.000% | 75.000% | Investor | Cash Out | 766 |  |  |  |  | Mos Reviewed:35<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $138281.32 |  |  | Alternative | QC Complete | 06/18/2025 |
| 9794724691 | XX | XX |  | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 809 |  | Manager, Human Resources | 9.58 | $9227.48 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 19.215% | No | Full Documentation | QC Complete | 07/03/2025 |
| 9795667022 | XX | XX |  | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | 05/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 774 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/13/2025 |
| 9795709279 | XX | XX |  | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 06/XX/2025 | 23.958% | 23.958% | Primary | Cash Out | 705 | 35.08 | Owner | 25.42 | $8486.79 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $99298.32 | 40.182% |  | Alternative | QC Complete | 06/13/2025 |
| 9796133305 | XX | XX |  | XX | Massachusetts | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 713 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/29/2025 |
| 9796851161 | XX | XX |  | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Disclosure - Your Home Loan Toolkit is missing or unexecuted - EV R<br> COMMENT: Missing Home Loan Toolkit.<br>Resolved 07/XX/2025: Received Home Loan Toolkit dated 4/XX/2025 and exception is cleared. |  |  | Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 717 |  | Owner | 7.75 | $14943.16 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 35.999% | Yes | Alternative | QC Complete | 06/23/2025 |
| 9798421237 | XX | XX |  | XX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 766 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/09/2025 |
| 9799440749 | XX | XX |  | XX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | 07/XX/2025 | 67.568% | 67.568% | Investor | Cash Out | 726 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $238535.45 |  |  | Alternative | QC Complete | 07/31/2025 |
| 9799697868 | XX | XX |  | XX | Colorado | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing credit report - EV R<br> COMMENT: Provide a copy of credit report for the borrower (XXX with atleast 2 credit scores in it.<br>Resolved 06/XX/2025 - Received Client LOE " The borrower does not have any reported credit freeze & 1 credit score is allowed as per guideline", condition resolved. |  |  | High Rise Condo (>=9 Stories) | 05/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 812 |  | Owner | 12.75 | $38941.92 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 7.004% | No | Alternative | QC Complete | 06/24/2025 |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |
| 214329393 | XX | XX |  | XX | XX | 12/XX/2024 | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Credit | QWMXJGGGZDK-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide bank statements of the 1st bank business account in the amount of $XX & XX in the amount of $11,000.00, as it is missing in the file. Transaction is a purchase residence. Reserves required per guidelines is $11,660.57. Total reserves verified the amount of $894.66. Provide satisfactory evidence of reserves covering $11,660.57.<br>03/XX/2025: Resolved: Received email explanation and bank statement in file, resolves the condition. | 03/07/2025: Resolved: Received email explanation and bank statement in file, resolves the condition. | 03/07/2025: Resolved: Received email explanation and bank statement in file, resolves the condition. |  |  | QC Complete | 05/01/2025 | 05/01/2025 | 05/01/2025 | 02/18/2025 |
| 214329393 | XX | XX |  | XX | XX | 12/XX/2024 | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Other Disclosures | QWMXJGGGZDK-ZXHR0C1D | Cured | 3 | C | \* Missing Required Disclosures (Lvl C) | Appraisal reflects property in flood zone area (Zone AE) which does not matches with flood zone of x500 on flood cert. The flood cert does note a LOMC from 12/XX/2021, however, the flood map in the file dated 12/XX/2024 indicates the property is located in zone AE. Require flood insurance which is not present in the file.<br>Not Resolved 3/XX/2025. Received an updated appraisal indicating property is not in a flood zone but also received an updated flood certification indicating it is in a flood zone.<br>Not Resolved 05/XX/2025: Received updated flood certification indicating it is in a flood zone, require updated appraisal indicating the property in food zone.<br>Cured 05/XX/2025: Received evidence of the flood insurance post-closing. | Cured 05/21/2025: Received evidence of the flood insurance post-closing. | Cured 05/21/2025: Received evidence of the flood insurance post-closing. |  |  | QC Complete | 05/01/2025 | 05/21/2025 | 05/21/2025 | 05/01/2025 |
| 214329393 | XX | XX |  | XX | XX | 12/XX/2024 | Purchase | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | QWMXJGGGZDK-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.240% Allowed 8.130% Overby +0.110%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 05/01/2025 | 05/01/2025 | 05/01/2025 | 02/18/2025 |
| 214650988 | XX | XX |  | XX | XX | 03/XX/2025 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | IAH43KI1SMZ-1ORHP9P2 | Resolved | 3 | R | \* Mortgage Riders incomplete / inaccurate (Lvl R) | Missing PUD Rider. Resolved 06/XX/2025 - Received PUD Rider, condition resolved. | Resolved 06/25/2025 - Received PUD Rider, condition resolved. | Resolved 06/25/2025 - Received PUD Rider, condition resolved. |  |  | QC Complete | 05/01/2025 | 09/16/2025 | 09/16/2025 | 04/30/2025 |
| 214671398 | XX | XX |  | XX | XX | 05/XX/2025 | Refinance | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | HTD1QI1VI4B-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Required FICO for r/t refinance on investment is 720 borrower has 701.<br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 25.52% DTI is less than the maximum guideline requirement of 50.00%.<br>Residual Income : $31,928.68 monthly. |  | QC Complete | 06/19/2025 |  |  | 06/18/2025 |
| 214673881 | XX | XX |  | XX | XX | 05/XX/2025 | Refinance | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | VP0LCSVIWKJ-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Most recent 12 months bank statements show 7 NSF, which exceeds maximum of 6.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 712 FICO exceeds the guideline requirement of 660.<br>Residual Income : $304,922.74 monthly.<br>DTI: 6.32% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 06/19/2025 |  |  | 06/18/2025 |
| 214796070 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | DMYAPM0QYSG-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX.<br>Resolved 07/XX/2025 - Received title endorsement for $xx, condition resolved. | Resolved 07/21/2025 - Received title endorsement for $XX0, condition resolved. | Resolved 07/21/2025 - Received title endorsement for $XX, condition resolved. |  |  | QC Complete | 07/08/2025 | 07/21/2025 | 07/21/2025 | 07/08/2025 |
| 214801854 | XX | XX |  | XX | XX | 04/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Income | 5U1OWZGHXZB-L3KXO96W | Resolved | 3 | R | \* Reverification within 10 days is missing (Lvl R) | Provide verbal VOE for borrower (XX) from (XX) dated within 10 business days of closing. Available verbal VOE not within 10 business days of closing.<br>Resolved on 06/XX/2025 : Received Verification of employment document , condition resolved. | Resolved on 06/16/2025 : Received Verification of employment document , condition resolved. | Resolved on 06/16/2025 : Received Verification of employment document , condition resolved. |  |  | QC Complete | 05/23/2025 | 06/16/2025 | 06/16/2025 | 05/23/2025 |
| 214836843 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | UZ3TEIABCZU-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide Guaranty agreement, as it is missing.<br>06/XX/2025 Resolved: Resolved as a guaranty is not required when the borrower signed the promissory note as an individual. | 06/23/2025 Resolved: Resolved as a guaranty is not required when the borrower signed the promissory note as an individual. | 06/23/2025 Resolved: Resolved as a guaranty is not required when the borrower signed the promissory note as an individual. |  |  | QC Complete | 06/09/2025 | 06/23/2025 | 06/23/2025 | 06/07/2025 |
| 214836843 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit |  | UZ3TEIABCZU-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Dwelling amount $XX is not sufficient to cover loan amount $XX, provide a copy of replacement cost estimator is being covered by the dwelling.<br>Resolved 06/XX/2025 - Received RCE document covered with 100% replacement cost on dwelling, condition resolved. | Resolved 06/26/2025 - Received RCE document, condition resolved. | Resolved 06/26/2025 - Received RCE document, condition resolved. |  |  | QC Complete | 06/09/2025 | 06/26/2025 | 06/26/2025 | 06/03/2025 |
| 214854127 | XX | XX |  | XX | XX | 04/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | BZQPNYFPJPP-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of condo questionnaire, as it is missing.<br>Resolved 07/XX/2025 - Received condo questionnaire, condition resolved. | Resolved 07/02/2025 - Received condo questionnaire, condition resolved. | Resolved 07/02/2025 - Received condo questionnaire, condition resolved. |  |  | QC Complete | 06/24/2025 | 07/02/2025 | 07/02/2025 | 05/27/2025 |
| 214857039 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | V3OQHNIB4GG-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Missing real estate appraisers error and omissions insurance policy.<br>Resolved: Condition has been resolved as E&O policy is not required. | Resolved: Condition has been resolved as E&O policy is not required. | Resolved: Condition has been resolved as E&O policy is not required. |  |  | QC Complete | 06/13/2025 | 08/13/2025 | 08/13/2025 | 06/11/2025 |
| 215017468 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | COBNO2MQZ0S-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a proof of document for Primary residence address XX<br>Resolved 06/XX/2025 - Received document proofs for primary residence property, condition resolved. | Resolved 06/18/2025 - Received document proofs for primary residence property, condition resolved. | Resolved 06/18/2025 - Received document proofs for primary residence property, condition resolved. |  |  | QC Complete | 06/09/2025 | 06/18/2025 | 06/18/2025 | 06/05/2025 |
| 215028101 | XX | XX |  | XX | XX | 05/XX/2025 | Refinance | Non-QM/Compliant | 4 | 1 | Credit | Guidelines | KZNBJUFAR31-J587LE2V | Resolved | 4 | R | \* Loan does not conform to program guidelines (Lvl R) | Rate term refinance loan does not meet the guidelines for Payoff of draws taken in the past 12 months on a HELOC are counted in the cash in the maximum cash in hand amount.<br>Resolved 06/XX/2025 - Received documentation proofs for the rate and term refinance loan payoff in 12 months, condition resolved. | Resolved 06/18/2025 - Received documentation proofs for the rate and term refinance loan payoff in 12 months, condition resolved. | Resolved 06/18/2025 - Received documentation proofs for the rate and term refinance loan payoff in 12 months, condition resolved. |  |  | QC Complete | 06/24/2025 | 06/24/2025 | 06/24/2025 | 06/09/2025 |
| 215049966 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | MEUICKHZ2CA-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | A CPA-prepared letter is required to verify the borrower's percentage of ownership in the business entity and expense ratio.<br>Resolved 06/XX/2025 - Received CPA letter, condition resolved. | Resolved 06/30/2025 - Received CPA letter, condition resolved. | Resolved 06/30/2025 - Received CPA letter, condition resolved. |  |  | QC Complete | 06/12/2025 | 06/30/2025 | 06/30/2025 | 06/12/2025 |
| 215072893 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Assets | ATAZNSKA5GY-8REF7GRZ | Resolved | 3 | R | \* Assets Verification (Lvl R) | Missing bank statements for the stated asset on application of borrower (XX<br>06/XX/2025 Resolved: The condition has been resolved as the reserve requirement has been fulfilled and the statements are not required. | 06/18/2025 Resolved: The condition has been resolved as the reserve requirement has been fulfilled and the statements are not required. | 06/18/2025 Resolved: The condition has been resolved as the reserve requirement has been fulfilled and the statements are not required. |  |  | QC Complete | 06/05/2025 | 06/18/2025 | 06/18/2025 | 06/04/2025 |
| 215073941 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | TCMBKMFKP5A-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.962% Allowed 9.160% Overby +0.802%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 06/09/2025 | 06/09/2025 | 06/09/2025 | 06/07/2025 |
| 215073941 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Doc Issue | TCMBKMFKP5A-0CTXAKVO | Resolved | 3 | R | \* VOM or VOR missing/required (Lvl R) | Provide a copy of the rent verification for XX, as it is missing.<br>06/XX/2025 Resolved : The copy of credit supplemental resolves the condition. | 06/18/2025 Resolved : The copy of credit supplemental resolves the condition. | 06/18/2025 Resolved : The copy of credit supplemental resolves the condition. |  |  | QC Complete | 06/09/2025 | 06/18/2025 | 06/18/2025 | 06/08/2025 |
| 215077744 | XX | XX |  | XX | XX | 05/XX/2025 | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Other Disclosures | PIKXMKYHF23-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide a copy of appraisal E&O policy as it is missing.<br>Resolved : Resolved as appraisal E&O is not required. | Resolved : Resolved as appraisal E&O is not required. | Resolved : Resolved as appraisal E&O is not required. |  |  | QC Complete | 06/20/2025 | 08/13/2025 | 08/13/2025 | 06/20/2025 |
| 215083908 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | UMLX5JXNX1S-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.289% Allowed 8.240% Overby +1.049%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 06/09/2025 | 06/09/2025 | 06/09/2025 | 06/07/2025 |
| 215083908 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Income | UMLX5JXNX1S-L3KXO96W | Resolved | 3 | R | \* Reverification within 10 days is missing (Lvl R) | Provide a copy of verification of employment for borrower AXX as it is missing.<br>Resolved 07/XX/2025 - Received VVOE, condition resolved. | Resolved 07/15/2025 - Received VVOE, condition resolved. | Resolved 07/15/2025 - Received VVOE, condition resolved. |  |  | QC Complete | 06/09/2025 | 07/15/2025 | 07/15/2025 | 06/05/2025 |
| 215083908 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | UMLX5JXNX1S-7NVY4BLQ | Resolved | 4 | R | \* State Higher Price Mortgage Loan (Lvl R) | (MA 209 CMR 32.35) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Massachusetts Regulations.<br>MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test: Charged 9.289% Allowed 8.240% Overby +1.049%<br>This loan is compliant with regulation (MA 209 CMR 32.35) | This loan is compliant with regulation (MA 209 CMR 32.35) | This loan is compliant with regulation (MA 209 CMR 32.35) |  |  | QC Complete | 06/09/2025 | 06/09/2025 | 06/09/2025 | 06/07/2025 |
| 215116971 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Income | 3WAI3J2E3PW-L3KXO96W | Resolved | 3 | R | \* Reverification within 10 days is missing (Lvl R) | Provide a copy of Verification of Employment(VVOE) with 30 days of closing date.<br>07/XX/2025 Resolved: Resolved as re-verification is for a W2 job and not self-employed individuals. | 07/08/2025 Resolved: Resolved as re-verification is for a W2 job and not self-employed individuals. | 07/08/2025 Resolved: Resolved as re-verification is for a W2 job and not self-employed individuals. |  |  | QC Complete | 09/15/2025 | 09/15/2025 | 09/15/2025 | 06/19/2025 |
| 215120288 | XX | XX |  | XX | XX | 05/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | UYXJH2XDSZ5-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of proof document of Mortgage statement, taxes and insurance for address XX<br>Resolved 06/XX/2025 - Received mortgage statement, condition resolved. | Resolved 06/30/2025 - Received mortgage statement, condition resolved. | Resolved 06/30/2025 - Received mortgage statement, condition resolved. |  |  | QC Complete | 06/12/2025 | 06/30/2025 | 06/30/2025 | 06/12/2025 |
| 215124165 | XX | XX |  | XX | XX | 06/XX/2025 | Cash Out | Non-QM/Compliant | 4 | 1 | Credit | Credit | 1GDWRJDVCZZ-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Verbal verification of employment is missing from the loan Package for employment @ XX<br>Resolved 07/XX/2025 - the copy of VVOE available in the loan file resolves the condition. | Resolved 07/21/2025 - the copy of VVOE available in the loan file resolves the condition. | Resolved 07/21/2025 - the copy of VVOE available in the loan file resolves the condition. |  |  | QC Complete | 07/08/2025 | 07/21/2025 | 07/21/2025 | 07/08/2025 |
| 215124165 | XX | XX |  | XX | XX | 06/XX/2025 | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 1GDWRJDVCZZ-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.603% Allowed 8.430% Overby +0.173%.<br>This loan is compliant with regulation 1026.35 | This loan is compliant with regulation 1026.35 | This loan is compliant with regulation 1026.35 |  |  | QC Complete | 07/08/2025 | 07/08/2025 | 07/08/2025 | 07/08/2025 |
| 215124785 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit Report & History | KCC1L1FP2BY-DP22SL1L | Resolved | 3 | R | \* Letter of explanation for addresses reported in the credit report (Lvl R) | LOE required for address reflected on credit report - clarify borrower's association with property.<br> XX<br>Resolved 08/XX/2025 - Received client response as the borrower has been at current address for 24 years and no LOX required, condition resolved. | Resolved 08/01/2025 - Received client response as the borrower has been at current address for 24 years and no LOX required, condition resolved. | Resolved 08/01/2025 - Received client response as the borrower has been at current address for 24 years and no LOX required, condition resolved. |  |  | QC Complete | 09/15/2025 | 09/15/2025 | 09/15/2025 | 06/13/2025 |
| 215149022 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | OBGORE0QFQP-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The proposed insured amount is not reflected on the title report. Provide a title supplement or updated title report indicating the correct insured amount to satisfy title insurance requirements.<br>Resolved 07/XX/2025 - Received final title policy, condition resolved. | Resolved 07/7/2025 - Received final title policy, condition resolved. | Resolved 07/7/2025 - Received final title policy, condition resolved. |  |  | QC Complete | 06/20/2025 | 07/07/2025 | 07/07/2025 | 06/18/2025 |
| 215150491 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | XJNYVLCKFWN-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | FTHB - \*\*Borrower does not meet the guidelines for First Time Home buyer\*\* Rule/Guidelines require the Borrower to have had a 12 month consistent housing payment history within the past 3 years.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 791 FICO exceeds the guideline requirement of 700.<br>Residual Income : $5,748.63 monthly <br>DTI: 34.30% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 07/03/2025 |  |  | 07/02/2025 |
| 215177502 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | DZTKYGRV5EM-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XX<br>Resolved 07/XX/2025 - Received final title policy, condition resolved. | Resolved 07/14/2025 - Received final title policy, condition resolved. | Resolved 07/14/2025 - Received final title policy, condition resolved. |  |  | QC Complete | 07/07/2025 | 07/14/2025 | 07/14/2025 | 07/03/2025 |
| 215180902 | XX | XX |  | XX | XX | 05/XX/2025 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | 2WCK4KHXNLH-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Missing Appraiser'S Errors And Omissions Policy<br>Resolved : Condition has been resolved as the E&O policy is not required. | Resolved : Condition has been resolved as the E&O policy is not required. | Resolved : Condition has been resolved as the E&O policy is not required. |  |  | QC Complete | 06/13/2025 | 08/13/2025 | 08/13/2025 | 06/12/2025 |
| 215189242 | XX | XX |  | XX | XX | 06/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Credit | XLN0TVODOSH-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide the settlement statement for the property located at XXas proof of sale.<br>Resolved 08/XX/2025 - Received proof for the sold properties, condition resolved. | Resolved 08/04/2025 - Received proof for the sold properties, condition resolved. | Resolved 08/04/2025 - Received proof for the sold properties, condition resolved. |  |  | QC Complete | 09/15/2025 | 09/15/2025 | 09/15/2025 | 07/22/2025 |
| 215189242 | XX | XX |  | XX | XX | 06/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | XLN0TVODOSH-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | More than $500,000 cash-out between two files in process. Other loan is #XX.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 743 FICO exceeds the guideline requirement of 720.<br>DTI: 1.62% DTI is less than the maximum guideline requirement of 50.00%.<br>Residual Income: $1,748,010.08 monthly. |  | QC Complete | 09/15/2025 |  |  | 07/21/2025 |
| 215224593 | XX | XX |  | XX | XX | 06/XX/2025 | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 4KCIVBAECJN-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.668% Allowed 8.420% Overby +0.248%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 07/08/2025 | 07/08/2025 | 07/08/2025 | 07/07/2025 |
| 215249582 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | DCGY1WE4V14-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide business bank statements of XX for the month ending 11/XX/2024 as it is missing.<br>Resolved 07/XX/2025 - Received bank statement for Nov - month, condition resolved. | Resolved 07/17/2025 - Received bank statement for Nov - month, condition resolved. | Resolved 07/17/2025 - Received bank statement for Nov - month, condition resolved. |  |  | QC Complete | 07/07/2025 | 07/17/2025 | 07/17/2025 | 07/07/2025 |
| 215333857 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | XW4Y1IRUMIU-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XX.<br>Resolved 08/XX/2025 - Received title final policy, condition resolved. | Resolved 08/11/2025 - Received title final policy, condition resolved. | Resolved 08/11/2025 - Received title final policy, condition resolved. |  |  | QC Complete | 08/04/2025 | 08/11/2025 | 08/11/2025 | 08/04/2025 |
| 9709778097 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Title Policy | MXFRCPNF5UK-INMPEQ44 | Resolved | 3 | R | \* Closing Protection Letter Missing (Lvl R) | Missing ATIMA from lender loss payee info on CPL.<br>Resolved 06/XX/2025 - Received CPL, condition resolved. | Resolved 06/25/2025 - Received CPL, condition resolved. | Resolved 06/25/2025 - Received CPL, condition resolved. |  |  | QC Complete | 06/24/2025 | 06/25/2025 | 06/25/2025 | 06/11/2025 |
| 9711253097 | XX | XX |  | XX | XX | 06/XX/2025 | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Doc Issue | UXMFE4PJUUR-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XX<br>Resolved 07/XX/2025 - Received title supplement report, condition resolved. | Resolved 07/07/2025 - Received title supplement report, condition resolved. | Resolved 07/07/2025 - Received title supplement report, condition resolved. |  |  | QC Complete | 07/02/2025 | 07/07/2025 | 07/07/2025 | 07/01/2025 |
| 9711253097 | XX | XX |  | XX | XX | 06/XX/2025 | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | UXMFE4PJUUR-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan amount of $xx does not meet the guideline requirement of maximum loan amount of $2M with credit score of 720.<br>A copy of an exception approval letter is available in the loan file. |  |  | LTV: 52.38% LTV is less than the guideline requirement of 80.00%.<br>DTI: 30.76% DTI is less than the maximum guideline requirement of 50.00%.<br>|  | QC Complete | 07/02/2025 |  |  | 07/01/2025 |
| 9712202002 | XX | XX |  | XX | XX | 05/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Credit | EGDBKXNO1AU-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide real estate appraisers error and omissions insurance policy, as it is missing.<br>Resolved 06/XX/2025 - Received E&O Policy, condition resolved. | Resolved 06/24/2025 - Received E&O Policy, condition resolved. | Resolved 06/24/2025 - Received E&O Policy, condition resolved. |  |  | QC Complete | 09/15/2025 | 09/15/2025 | 09/15/2025 | 06/12/2025 |
| 9712202002 | XX | XX |  | XX | XX | 05/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Doc Issue | EGDBKXNO1AU-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of Title supplement as it is missing in the file.<br>Resolved 06/XX/2025 - Received title report with insured amount XX condition resolved. | Resolved 06/18/2025 - Received title report with insured amount $XX condition resolved. | Resolved 06/18/2025 - Received title report with insured amount $XX, condition resolved. |  |  | QC Complete | 09/15/2025 | 09/15/2025 | 09/15/2025 | 06/11/2025 |
| 9712202002 | XX | XX |  | XX | XX | 05/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 2 | Valuation | Doc Issue | EGDBKXNO1AU-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | The loan file identifies the subject property as an investment refinance, but the appraisal report lists the occupancy status as 'Owner-Occupied.' Please provide an updated appraisal report with the correct occupancy status.<br>Resolved 07/XX/2025 - Received Updated appraisal report, condition resolved. | Resolved 07/11/2025 - Received Updated appraisal report, condition resolved. | Resolved 07/11/2025 - Received Updated appraisal report, condition resolved. |  |  | QC Complete | 09/15/2025 | 09/15/2025 | 09/15/2025 | 06/12/2025 |
| 9712202002 | XX | XX |  | XX | XX | 05/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | EGDBKXNO1AU-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Guides do not allow cashout with current VISA type C10 for investment property<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 786 FICO exceeds the guideline requirement of 720.<br>DTI: 32.78% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 47 months of available reserves are more than the guideline requirement of 6 months. |  | QC Complete | 09/15/2025 |  |  | 06/12/2025 |
| 9713718683 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | VKQC1U0CK3H-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.366% Allowed 8.430% Overby +0.936%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 06/17/2025 | 06/17/2025 | 06/17/2025 | 06/16/2025 |
| 9714039550 | XX | XX |  | XX | XX | 07/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | ZZEN4I1PGJW-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.524% Allowed 8.250% Overby +1.274%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 08/13/2025 | 08/13/2025 | 08/13/2025 | 08/12/2025 |
| 9714242493 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | BZ52XULZAH3-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide a copy of Secondary valuation, as it is missing.<br>Resolved 06/XX/2025 - Received CDA, condition resolved. | Resolved 06/17/2025 - Received CDA, condition resolved. | Resolved 06/17/2025 - Received CDA, condition resolved. |  |  | QC Complete | 06/13/2025 | 06/17/2025 | 06/17/2025 | 06/11/2025 |
| 9714242493 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Other Disclosures | BZ52XULZAH3-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Missing real estate appraisers error and omissions insurance policy.<br>Resolved 06/XX/2025 - Received E&O Policy, condition resolved. | Resolved 06/17/2025 - Received E&O Policy, condition resolved. | Resolved 06/17/2025 - Received E&O Policy, condition resolved. |  |  | QC Complete | 06/13/2025 | 06/17/2025 | 06/17/2025 | 06/11/2025 |
| 9715862711 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | VLXVVJ3NJXU-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception that permits business funds to be spent 100% of time rather than 75% of the owners<br>A copy of an exception approval letter is available in the loan file. |  |  | Reserves: The 13 months of available reserves are more than the guideline requirement of 6 months.<br>FICO: 728 FICO exceeds the guideline requirement of 720.<br>DTI: 22.01% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 06/13/2025 |  |  | 06/11/2025 |
| 9715862711 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Non-QM/Compliant | 3 | 2 | Compliance | Compliance | VLXVVJ3NJXU-FSGBNA1Z | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Settlement Service Provider List is Missing.<br>Resolved 06/XX/2025: Received Settlement Service Provider List dated 4/XX/2025 and exception is cleared. | Resolved 06/XX/2025: Received Settlement Service Provider List dated 4/XX/2025 and exception is cleared. | Resolved 06/XX/2025: Received Settlement Service Provider List dated 4/2XX2/2025 and exception is cleared. |  |  | QC Complete | 06/13/2025 | 06/17/2025 | 06/17/2025 | 06/12/2025 |
| 9715862711 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Credit | VLXVVJ3NJXU-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Missing real estate appraisers error and omissions insurance policy.<br>Resolved 06/XX/2025 - Received E&O Policy, condition resolved. | Resolved 06/17/2025 - Received E&O Policy, condition resolved. | Resolved 06/17/2025 - Received E&O Policy, condition resolved. |  |  | QC Complete | 06/13/2025 | 06/17/2025 | 06/17/2025 | 06/11/2025 |
| 9716665584 | XX | XX |  | XX | XX | 07/XX/2025 | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | WEJLAZYXKJ5-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | The borrower is a first-time home buyer who has been rent-free for the previous eight years, so an exception is required.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 755 FICO exceeds the guideline requirement of 700.<br>Reserves: The 23 months of available reserves are more than the guideline requirement of 6 months.<br>Residual Income: $8,331.13 monthly.<br>|  | QC Complete | 09/15/2025 |  |  | 08/12/2025 |
| 9717164330 | XX | XX |  | XX | XX | 05/XX/2025 | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | WQ11KMXVP3N-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XX.<br>Resolved 06/XX/2025 - Received title report with insured amount, condition resolved. | Resolved 06/24/2025 - Received title report with insured amount, condition resolved. | Resolved 06/24/2025 - Received title report with insured amount, condition resolved. |  |  | QC Complete | 06/11/2025 | 06/24/2025 | 06/24/2025 | 06/10/2025 |
| 9717707062 | XX | XX |  | XX | XX | 07/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | SPW5RAT1054-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.647% Allowed 8.290% Overby +0.357%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 08/13/2025 | 08/13/2025 | 08/13/2025 | 08/12/2025 |
| 9718064497 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | UVTBWIX34NZ-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide updated Flood insurance policy with lender loss payee for XX, subject transaction loans and borrower names.<br>Resolved 06/XX/2025 - Received LOX from borrower, condition resolved. | Resolved 06/30/2025 - Received corrected flood insurance, condition resolved. | Resolved 06/30/2025 - Received corrected flood insurance, condition resolved. |  |  | QC Complete | 06/10/2025 | 06/30/2025 | 06/30/2025 | 06/10/2025 |
| 9718064497 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | UVTBWIX34NZ-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XX.<br>Resolved 06/XX/2025 - Received title report with coverage amount, condition resolved. | Resolved 06/12/2025 - Received title report with coverage amount, condition resolved. | Resolved 06/12/2025 - Received title report with coverage amount, condition resolved. |  |  | QC Complete | 06/10/2025 | 06/12/2025 | 06/12/2025 | 06/09/2025 |
| 9718064497 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Title Policy | UVTBWIX34NZ-INMPEQ44 | Resolved | 3 | R | \* Closing Protection Letter Missing (Lvl R) | Provide CPL with ISAOA/ATIMA and updated lender loss payee address.<br>Resolved 06/XX/2025 - Received CPL with loss payee address, condition resolved. | Resolved 06/23/2025 - Received CPL with loss payee address, condition resolved. | Resolved 06/23/2025 - Received CPL with loss payee address, condition resolved. |  |  | QC Complete | 06/10/2025 | 06/23/2025 | 06/23/2025 | 06/10/2025 |
| 9719648389 | XX | XX |  | XX | XX | 07/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | VMACY3KVE3M-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.339% Allowed 8.330% Overby +0.009%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 07/22/2025 | 07/22/2025 | 07/22/2025 | 07/22/2025 |
| 9720107383 | XX | XX |  | XX | XX | 07/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | AQ02F0GVWGO-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.539% Allowed 8.170% Overby +0.369%.<br>This loan is compliant with regulation 1026.35 | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 07/30/2025 | 07/30/2025 | 07/30/2025 | 07/29/2025 |
| 9721864123 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | 3MLM2K24HHS-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $XXon the Title Commitment is less than the loan amount $XX.<br>Resolved 06/XX/2025 - Received title report with insured amount $XX, condition resolved. | Resolved 06/23/2025 - Received title report with insured amount $XX, condition resolved. | Resolved 06/23/2025 - Received title report with insured amount $XX condition resolved. |  |  | QC Complete | 06/04/2025 | 06/23/2025 | 06/23/2025 | 06/02/2025 |
| 9724951349 | XX | XX |  | XX | XX | 07/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Value | DDGTZAZUGY1-11KL34H8 | Resolved | 3 | R | \* Quality of Appraisal Report Unacceptable (Lvl R) | Provide an updated appraisal report reflecting the property type as PUD, as the Deed of Trust includes a PUD rider.<br>Resolved 08/XX/2025 - Received updated appraisal report, condition resolved. | Resolved 08/04/2025 - Received updated appraisal report, condition resolved. | Resolved 08/04/2025 - Received updated appraisal report, condition resolved. |  |  | QC Complete | 07/30/2025 | 08/04/2025 | 08/04/2025 | 07/29/2025 |
| 9725471628 | XX | XX |  | XX | XX | 07/XX/2025 | Refinance | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | LBW4USB2UYB-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | LTV of 82.88% exceeds the guideline requirement of max 80%. <br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 715 FICO exceeds the guideline requirement of 700.<br>Residual Income : $30,911.84 monthly<br>DTI: 37.36% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 07/30/2025 |  |  | 07/30/2025 |
| 9725773759 | XX | XX |  | XX | XX | 07/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | ZVK5N4FVI0M-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.315% Allowed 8.270% Overby +0.045%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 07/29/2025 | 07/29/2025 | 07/29/2025 | 07/29/2025 |
| 9725911615 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 3CLEUJFCUMA-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of Error & Omission insurance policy for the appraisal.<br>Resolved 06/XX/2025 - Received E&O Policy, condition resolved. | Resolved 06/18/2025 - Received E&O Policy, condition resolved. | Resolved 06/18/2025 - Received E&O Policy, condition resolved. |  |  | QC Complete | 09/16/2025 | 09/16/2025 | 09/16/2025 | 06/16/2025 |
| 9726704001 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Doc Issue | 13WOHZGLT0Z-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Provide a copy of Error and Omission policy, as it is missing<br>Resolved 06/XX/2025 - Received E&O Policy, condition resolved. | Resolved 06/18/2025 - Received E&O Policy, condition resolved. | Resolved 06/18/2025 - Received E&O Policy, condition resolved. |  |  | QC Complete | 06/12/2025 | 06/18/2025 | 06/18/2025 | 06/12/2025 |
| 9727271554 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | ST003O30YJU-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | FTHB requirement for 12 months of housing payments<br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 10.43% DTI is less than the maximum guideline requirement of 43.00%.<br>Residual Income : $44,657.82 monthly.<br>FICO: 777 FICO exceeds the guideline requirement of 660.<br>|  | QC Complete | 06/19/2025 |  |  | 06/17/2025 |
| 9727271554 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | ST003O30YJU-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.931% Allowed 8.300% Overby +1.631%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 06/19/2025 | 06/19/2025 | 06/19/2025 | 06/17/2025 |
| 9728552911 | XX | XX |  | XX | XX | 07/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | ORJPQEFHJM3-0CTXAKVO | Resolved | 3 | R | \* VOM or VOR missing/required (Lvl R) | Missing VOR for property address XX with rent in the amount of $XX.<br>Resolved 07/XX/2025 - Received rent free LOX, condition resolved. | Resolved 07/29/2025 - Received rent free LOX, condition resolved. | Resolved 07/29/2025 - Received rent free LOX, condition resolved. |  |  | QC Complete | 07/24/2025 | 07/29/2025 | 07/29/2025 | 07/24/2025 |
| 9733260294 | XX | XX |  | XX | XX | 06/XX/2025 | Cash Out | Non-QM/Compliant | 2 | 2 | Credit | Credit | 0FLWMFGARAR-53UNNI64 | Waived | 2 | W | \* Excessive DTI (Lvl W) | Requesting exception for DTI exceeding 50%, Borrower DTI is 52.932%.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 753 FICO exceeds the guideline requirement of 700.<br>Reserves: The 7 months of available reserves are more than the guideline requirement of 3 months. |  | QC Complete | 09/15/2025 |  |  | 09/15/2025 |
| 9733972211 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | FJVAWLO2RXS-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Missing Power of Attorney from seller XX to authorize XX singing authority.<br>Resolved 06/XX/2025 - Received Certificate of Authority, condition resolved. | Resolved 06/13/2025 - Received Certificate of Authority, condition resolved. | Resolved 06/13/2025 - Received Certificate of Authority, condition resolved. |  |  | QC Complete | 06/24/2025 | 06/24/2025 | 06/24/2025 | 06/03/2025 |
| 9735721830 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | CHEMYX3L0QT-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Provide a eligible copy of both borrowers identification proof.<br>Resolved 07/XX/2025 - Received GOV ID, condition resolved. | Resolved 07/29/2025 - Received GOV ID, condition resolved. | Resolved 07/29/2025 - Received GOV ID, condition resolved. |  |  | QC Complete | 06/18/2025 | 07/29/2025 | 07/29/2025 | 06/18/2025 |
| 9735721830 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | CHEMYX3L0QT-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide real estate appraiser errors & omissions insurance policy , as it is missing.<br>Resolved 06/XX/2025 - Received E&O Policy, condition resolved. | Resolved 06/24/2025 - Received E&O Policy, condition resolved. | Resolved 06/24/2025 - Received E&O Policy, condition resolved. |  |  | QC Complete | 06/18/2025 | 06/24/2025 | 06/24/2025 | 06/18/2025 |
| 9736189920 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | IWDOQSG0HA3-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | EAD class C31 per form I-797C dated 8/XX/24. Not an approved class per guide. <br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 9.22% DTI is less than the maximum guideline requirement of 50.00%.<br>Residual Income : $56,103.75 monthly |  | QC Complete | 06/17/2025 |  |  | 06/16/2025 |
| 9747880715 | XX | XX |  | XX | XX | 06/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Other Disclosures | KPL1JHF5BNF-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide a copy of mortgage statement of #XX<br>Resolved 06/XX/2025 - Received loan estimate reflecting mortgage P&I amount, condition resolved. | Resolved 06/24/2025 - Received loan estimate reflecting mortgage P&I amount, condition resolved. | Resolved 06/24/2025 - Received loan estimate reflecting mortgage P&I amount, condition resolved. |  |  | QC Complete | 06/18/2025 | 06/24/2025 | 06/24/2025 | 06/18/2025 |
| 9749123676 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | QPLYOSSYSNB-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | "Requesting an exception to allow the subject property, which is a log home." Exception approval available in the loan file. |  |  | 727 exceeds the minimum guideline requirement of 700<br>216.58 months reserves exceed the minimum guideline of 3 months.<br>DTI of 3.05% is less than the maximum guideline requirement of 50%. |  | QC Complete | 06/17/2025 |  |  | 06/16/2025 |
| 9749311313 | XX | XX |  | XX | XX | 07/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | KP1DU50M2FF-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of proof document for Child Support.<br>Resolved 08/XX/2025 - Received divorce decree document, condition resolved. | Resolved 08/04/2025 - Received divorce decree document, condition resolved. | Resolved 08/04/2025 - Received divorce decree document, condition resolved. |  |  | QC Complete | 07/31/2025 | 08/04/2025 | 08/04/2025 | 07/30/2025 |
| 9749311313 | XX | XX |  | XX | XX | 07/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | KP1DU50M2FF-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Submit proof of tax payment and insurance coverage for the investment property located at XX<br>Resolved 08/XX/2025 - Received tax bill and purchase contract and Insurance is not required as it is land property, condition resolved. | Resolved 08/13/2025 - Received tax bill and purchase contract and Insurance is not required as it is land property, condition resolved. | Resolved 08/13/2025 - Received tax bill and purchase contract and Insurance is not required as it is land property, condition resolved. |  |  | QC Complete | 07/31/2025 | 08/13/2025 | 08/13/2025 | 07/30/2025 |
| 9749369956 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Credit | JXHCAOSSWK5-6AFLOU1Y | Resolved | 3 | R | \* Purchase Contract (Lvl R) | Missing addendum for change in purchase price in the amount $XX.<br>Resolved 06/XX/2025 - Received purchase agreement, condition resolved. | Resolved 06/27/2025 - Received purchase agreement, condition resolved. | Resolved 06/27/2025 - Received purchase agreement, condition resolved. |  |  | QC Complete | 09/16/2025 | 09/16/2025 | 09/16/2025 | 06/24/2025 |
| 9749369956 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | JXHCAOSSWK5-7NVY4BLQ | Resolved | 4 | R | \* State Higher Price Mortgage Loan (Lvl R) | CA AB 260, California Financial Code Division 1.9 4995(a)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.<br>CA AB 260 Higher-Priced Mortgage Loan Test: Charged 8.518% Allowed 8.300% Overby +0.218%<br>This loan is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | This loan is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | This loan is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | 09/16/2025 | 09/16/2025 | 09/16/2025 | 06/23/2025 |
| 9749369956 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Credit | JXHCAOSSWK5-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide wire transfer or bank statement to verify the gift amount of $40,000.00. as it is missing.<br>Resolved 06/XX/2025 - Received gift wire, condition resolved. | Resolved 06/27/2025 - Received gift wire, condition resolved. | Resolved 06/27/2025 - Received gift wire, condition resolved. |  |  | QC Complete | 09/16/2025 | 09/16/2025 | 09/16/2025 | 06/23/2025 |
| 9749369956 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | JXHCAOSSWK5-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.518% Allowed 8.300% Overby +0.218%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 09/16/2025 | 09/16/2025 | 09/16/2025 | 06/23/2025 |
| 9750242373 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | DKGVOYTGRDR-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.360% Allowed 8.380% Overby +0.980%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 07/03/2025 | 07/03/2025 | 07/03/2025 | 07/02/2025 |
| 9750242373 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | DKGVOYTGRDR-7NVY4BLQ | Resolved | 4 | R | \* State Higher Price Mortgage Loan (Lvl R) | (MA 209 CMR 32.35) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Massachusetts Regulations.<br>MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test: Charged 9.360% Allowed 8.380% Overby +0.980%.<br>This loan is compliant with regulation (MA 209 CMR 32.35). | This loan is compliant with regulation (MA 209 CMR 32.35). | This loan is compliant with regulation (MA 209 CMR 32.35). |  |  | QC Complete | 07/03/2025 | 07/03/2025 | 07/03/2025 | 07/02/2025 |
| 9750391212 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | U0K2ZZNERLD-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide real estate appraisers error and omissions insurance policy, as it is missing.<br>Resolved 06/XX/2025 - Received E&O Policy, condition resolved. | Resolved 06/24/2025 - Received E&O Policy, condition resolved. | Resolved 06/24/2025 - Received E&O Policy, condition resolved. |  |  | QC Complete | 06/18/2025 | 06/24/2025 | 06/24/2025 | 06/18/2025 |
| 9752717109 | XX | XX |  | XX | XX | 06/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | AIQXU4CUGSD-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Missing Lead-Based Paint Disclosure for property build on year 1878.<br>Resolved 07/XX/2025 - Received LOX as lead based document is not required for refinance loans, condition resolved. | Resolved 07/10/2025 - Received LOX as lead based document is not required for refinance loans, condition resolved. | Resolved 07/10/2025 - Received LOX as lead based document is not required for refinance loans, condition resolved. |  |  | QC Complete | 09/15/2025 | 09/15/2025 | 09/15/2025 | 07/03/2025 |
| 9753373191 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | JODPMTG0MKE-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | To allow dispute to stay on credit and not be removed and new credit pulled.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 760 FICO exceeds the guideline requirement of 700.<br>LTV: 80.00% LTV is less than the guideline requirement of 85.00%.<br>DTI: 40.82% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 06/20/2025 |  |  | 06/20/2025 |
| 9753565770 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | 4UMJDXKUZTL-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Provide real estate appraiser errors & omissions insurance policy , as it is missing.<br>Resolved 06/XX/2025 - Received E&O insurance policy, condition resolved. | Resolved 06/25/2025 - Received E&O insurance policy, condition resolved. | Resolved 06/25/2025 - Received E&O insurance policy, condition resolved. |  |  | QC Complete | 06/20/2025 | 06/25/2025 | 06/25/2025 | 06/20/2025 |
| 9753733584 | XX | XX |  | XX | XX | 06/XX/2025 | Cash Out | Non-QM/Compliant | 3 | 1 | Valuation | Doc Issue | I3QTVCN5VWG-YXK20TJA | Resolved | 3 | R | \* Subject or Comp Photos are missing or illegible (Lvl R) | Provide updated copy of appraisal report with at least 3 comparable sales with each with its own clear, front-view photo.<br>Resolved 07/XX/2025 - Received updated appraisal report, condition resolved. | Resolved 07/10/2025 - Received updated appraisal report, condition resolved. | Resolved 07/10/2025 - Received updated appraisal report, condition resolved. |  |  | QC Complete | 07/02/2025 | 07/10/2025 | 07/10/2025 | 07/01/2025 |
| 9754172212 | XX | XX |  | XX | XX | 07/XX/2025 | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | STYTC20WRXY-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | NSF event of 22 exceed the guideline requirement of maximum six NSF event in the any 12-month period.<br>A copy of an exception approval letter is available in the loan file. |  |  | LTV: 60.61% LTV is less than the guideline requirement of 75.00%.<br>Residual Income : $11,221.04 monthly. |  | QC Complete | 07/15/2025 |  |  | 07/15/2025 |
| 9754172212 | XX | XX |  | XX | XX | 07/XX/2025 | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Doc Issue | STYTC20WRXY-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $xx on the Title Commitment is less than the loan amount xx<br>Resolved 07/XX/2025 - Received title report with insured amount, condition resolved. | Resolved 07/17/2025 - Received title report with insured amount, condition resolved. | Resolved 07/17/2025 - Received title report with insured amount, condition resolved. |  |  | QC Complete | 07/15/2025 | 07/17/2025 | 07/17/2025 | 07/15/2025 |
| 9755274272 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | RHYZFE11L2R-6AFLOU1Y | Resolved | 3 | R | \* Purchase Contract (Lvl R) | The purchase agreement expired on June 26, 2024; provide copy of updated purchase agreement or addendum.<br>Resolved 07/XX/2025 - Received LOX as contract addendum for closing date and this is not short sale, condition resolved. | Resolved 07/10/2025 - Received LOX as contract addendum for closing date and this is not short sale, condition resolved. | Resolved 07/10/2025 - Received LOX as contract addendum for closing date and this is not short sale, condition resolved. |  |  | QC Complete | 06/24/2025 | 07/10/2025 | 07/10/2025 | 06/24/2025 |
| 9756023504 | XX | XX |  | XX | XX | 07/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | OOLW1JFIG45-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $xx.<br>Resolved 08/XX/2025 - Received Supplemental report, condition resolved. | Resolved 08/06/2025 - Received Supplemental report, condition resolved. | Resolved 08/06/2025 - Received Supplemental report, condition resolved. |  |  | QC Complete | 08/01/2025 | 08/06/2025 | 08/06/2025 | 08/01/2025 |
| 9759639603 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 5NDWTCFF2ZC-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Missing E&O insurance policy.<br>Resolved 06/XX/2025 - Received E&O Policy, condition resolved. | Resolved 06/18/2025 - Received E&O Policy, condition resolved | Resolved 06/18/2025 - Received E&O Policy, condition resolved |  |  | QC Complete | 09/15/2025 | 09/15/2025 | 09/15/2025 | 06/12/2025 |
| 9759639603 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | 5NDWTCFF2ZC-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Appraisal missing copy of appraisers error and omissions policy.<br>Resolved 06/XX/2025 - Received E&O Policy, condition resolved. | Resolved 06/18/2025 - Received E&O Policy, condition resolved. | Resolved 06/18/2025 - Received E&O Policy, condition resolved. |  |  | QC Complete | 09/15/2025 | 09/15/2025 | 09/15/2025 | 06/12/2025 |
| 9761504894 | XX | XX |  | XX | XX | 07/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | SUSOMKAFSVR-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.566% Allowed 8.170% Overby +0.396%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 07/31/2025 | 07/31/2025 | 07/31/2025 | 07/30/2025 |
| 9762653500 | XX | XX |  | XX | XX | 07/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XFFYC3M435G-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 9.427% Allowed 8.330% +Overby 1.097%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 07/31/2025 | 07/31/2025 | 07/31/2025 | 07/30/2025 |
| 9762725936 | XX | XX |  | XX | XX | 07/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XEEMZ3JZGUQ-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.521% Allowed 8.270% Overby +0.251%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35.<br>| This loan is compliant with regulation 1026.35.<br>|  |  | QC Complete | 08/01/2025 | 08/01/2025 | 08/01/2025 | 08/01/2025 |
| 9762875632 | XX | XX |  | XX | XX | 05/XX/2025 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | SYYEZ23P331-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of bank statement for the month of Dec 2024 "XX".<br>Resolved 06/XX/2025 - Received Dec month bank statement, condition resolved. | Resolved 06/18/2025 - Received Dec month bank statement, condition resolved. | Resolved 06/18/2025 - Received Dec month bank statement, condition resolved. |  |  | QC Complete | 06/13/2025 | 06/18/2025 | 06/18/2025 | 06/12/2025 |
| 9765057618 | XX | XX |  | XX | XX | 07/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | YRDDIJZU30U-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Final CD missing 2,3,4 pages of 5.<br>Resolved 07/XX/2025: Received Final CD missing 2,3,4 pages of 5 dated 7/XX/2025 and exception is cleared. | Resolved 07/22/2025: Received Final CD missing 2,3,4 pages of 5 dated 7/XX/2025 and exception is cleared. | Resolved 07/22/2025: Received Final CD missing 2,3,4 pages of 5 dated 7/XX2025 and exception is cleared. |  |  | QC Complete | 09/15/2025 | 09/15/2025 | 09/15/2025 | 09/15/2025 |
| 9766842471 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | SHJESYPKWIN-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | The Title Commitment is incomplete due to missing Schedules B and C.<br>Resolved 06/XX/2025 - Received title commitment with schedule B and C, condition resolved. | Resolved 06/25/2025 - Received title commitment with schedule B and C, condition resolved. | Resolved 06/25/2025 - Received title commitment with schedule B and C, condition resolved. |  |  | QC Complete | 06/19/2025 | 06/25/2025 | 06/25/2025 | 06/18/2025 |
| 9767090781 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | 5QYRCI3CTU2-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | The borrower is using a bridge loan from their departing residence at XX, which is currently listed for sale.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 803 FICO exceeds the guideline requirement of 700.<br>Residual Income : $28,510.93 monthly. |  | QC Complete | 07/09/2025 |  |  | 07/09/2025 |
| 9768061740 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Credit | VPECBGIGZI1-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of missing PUD Rider.<br>Resolved 07/XX/2025 - Received PUD Rider, condition resolved. | Resolved 07/16/2025 - Received PUD Rider, condition resolved. | Resolved 07/16/2025 - Received PUD Rider, condition resolved. |  |  | QC Complete | 06/17/2025 | 07/16/2025 | 07/16/2025 | 06/16/2025 |
| 9768061740 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Doc Issue | VPECBGIGZI1-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount XX.<br>Resolved 06/XX/2025 - Received final policy with insured amount $xx condition resolved. | Resolved 06/19/2025 - Received final policy with insured amount $XX, condition resolved. | Resolved 06/19/2025 - Received final policy with insured amount $XX condition resolved. |  |  | QC Complete | 06/17/2025 | 06/19/2025 | 06/19/2025 | 06/17/2025 |
| 9768061740 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | VPECBGIGZI1-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | The borrower's 12-month history is comprised of a VOR from 10/XX/2024 to the current at XX reflecting 0x30 for 7 months. Before that, the borrower lived at XX at family home that he owned and recently sold on 4/XX/2025 for 30days. The remainder of the 12 months was documented with bank statements from 4/XX/2024 -9/XX/2024 showing payments of $1552.00 a copy of a month-to-month lease indicated the amount paid was not the full rental amount, and the borrower provided a letter of explanation stating that he at the time they were living with their ex-who was responsible for the other half of the rent and they no longer communication so he is unable to provide the proof the other half of the rent payments during that time.<br> Asking for an exception to accept rental history as documented.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 717 FICO exceeds the guideline requirement of 660.<br>DTI: 26.94% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 06/17/2025 |  |  | 06/16/2025 |
| 9769008401 | XX | XX |  | XX | XX | 06/XX/2025 | Refinance | Non-QM/Compliant | 3 | 1 | Valuation | Appraisal | CYSHYN5QKGC-67I469YV | Resolved | 3 | R | \* Property is vacant (Lvl R) | Appraisal reflecting occupant as vacant , it should be owner as the purpose of transaction is primary refinance. Provide an updated appraisal.<br>Resolved 06/XX/2025 - Received Updated appraisal report, condition resolved. | Resolved 06/24/2025 - Received Updated appraisal report, condition resolved. | Resolved 06/24/2025 - Received Updated appraisal report, condition resolved. |  |  | QC Complete | 06/18/2025 | 06/24/2025 | 06/24/2025 | 06/18/2025 |
| 9769008401 | XX | XX |  | XX | XX | 06/XX/2025 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | CYSHYN5QKGC-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a quit claim deed to transfer the ownership from "XX<br>Resolved 06/XX/2025 - Received Quit claim deed, condition resolved. | Resolved 06/27/2025 - Received Quit claim deed, condition resolved. | Resolved 06/27/2025 - Received Quit claim deed, condition resolved. |  |  | QC Complete | 06/18/2025 | 06/27/2025 | 06/27/2025 | 06/18/2025 |
| 9769260945 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit Report & History | V3QUKLT3DHR-EIIIVERL | Resolved | 3 | R | \* Additional Address on Credit Report (Lvl R) | Borrower staying rent, require 2 years of housing history, provide a copy of VOR of (XX)<br>Provide a letter of explanation for the additional address indicated in the credit report during the last 24 months.<br>Resolved 06/XX/2025: Resolved as the borrower has rented the current primary residence at xx from<br> xx through the present (over 12 months.) A VOR for the prior residence is not required. | Resolved 06/13/2025: Resolved as the borrower has rented the current primary residence at XX from<br> 8/2023 through the present (over 12 months.) A VOR for the prior residence is not required. | Resolved 06/13/2025: Resolved as the borrower has rented the current primary residence atXX from<br> 8/2023 through the present (over 12 months.) A VOR for the prior residence is not required. |  |  | QC Complete | 06/03/2025 | 06/13/2025 | 06/13/2025 | 06/03/2025 |
| 9769260945 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Other Disclosures | V3QUKLT3DHR-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide a copy of 2 months recent bank statement XX,as it is missing.<br>Resolved 06/XX/2025 - Received bank statement, condition resolved. | Resolved 06/05/2025 - Received bank statement, condition resolved. | Resolved 06/05/2025 - Received bank statement, condition resolved. |  |  | QC Complete | 06/03/2025 | 06/05/2025 | 06/05/2025 | 06/03/2025 |
| 9770129188 | XX | XX |  | XX | XX | 07/XX/2025 | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | B3WQFBVLAKA-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Non-Perm Resident with Class U2 Visa <br> A copy of an exception approval letter is available in the loan file. |  |  | FICO: 711 FICO exceeds the guideline requirement of 660.<br>DTI: 32.35% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 107 months of available reserves are more than the guideline requirement of 5 months.<br>|  | QC Complete | 09/15/2025 |  |  | 07/16/2025 |
| 9771710937 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | WVJCY1Z2OKZ-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XX.<br>Resolved 06/XX/2025 - Received title report for insured amount, condition resolved. | Resolved 06/13/2025 - Received title report for insured amount, condition resolved. | Resolved 06/13/2025 - Received title report for insured amount, condition resolved. |  |  | QC Complete | 06/09/2025 | 06/13/2025 | 06/13/2025 | 06/05/2025 |
| 9771856235 | XX | XX |  | XX | XX | 07/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | IZIBXJFRJW1-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of title supplement report, title insured amount $XXnot covering the loan amount of $XX.<br>Resolved 07/XX/2025 - Received updated title with insured amount, condition resolved. | Resolved 07/22/2025 - Received updated title with insured amount, condition resolved. | Resolved 07/22/2025 - Received updated title with insured amount, condition resolved. |  |  | QC Complete | 07/16/2025 | 09/15/2025 | 09/15/2025 | 07/15/2025 |
| 9773629010 | XX | XX |  | XX | XX | 07/XX/2025 | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | OCGL5B51SVD-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | 5% LTV exception for over $2M guideline is 75%, requesting 80% LTV.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 761 FICO exceeds the guideline requirement of 740.<br>DTI: 46.55% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 53 months of available reserves are more than the guideline requirement of 12 months. |  | QC Complete | 08/01/2025 |  |  | 08/01/2025 |
| 9774684642 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | PQD1CCG15GR-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of title supplemental report to cover the loan amount $XX<br>Resolved on 06/XX/2025 : Received Title document , condition resolved. | Resolved on 06/16/2025 : Received Title document , condition resolved. | Resolved on 06/16/2025 : Received Title document , condition resolved. |  |  | QC Complete | 06/10/2025 | 06/16/2025 | 06/16/2025 | 06/06/2025 |
| 9776109259 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | FP44J0GVFKC-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.686% Allowed 8.420% Overby +0.266%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 06/19/2025 | 06/19/2025 | 06/19/2025 | 06/18/2025 |
| 9777293037 | XX | XX |  | XX | XX | 07/XX/2025 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | WY3IOA1DRTH-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XX.<br>Resolved 08/XX/2025 - Received title supplement report, condition resolved. | Resolved 08/07/2025 - Received title supplement report, condition resolved. | Resolved 08/07/2025 - Received title supplement report, condition resolved. |  |  | QC Complete | 08/04/2025 | 08/07/2025 | 08/07/2025 | 08/01/2025 |
| 9777756454 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | WIYPL4CZKC5-DFWG7HN5 | Resolved | 3 | R | \* Missing proof of hazard insurance (Lvl R) | Hazard insurance reflecting incorrect subject address.Provide an updated hazard insurance.<br>Resolved 07/XX/2025 - Received corrected hazard insurance, condition resolved. | Resolved 07/01/2025 - Received corrected hazard insurance, condition resolved. | Resolved 07/01/2025 - Received corrected hazard insurance, condition resolved. |  |  | QC Complete | 06/12/2025 | 07/01/2025 | 07/01/2025 | 06/12/2025 |
| 9777756454 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | WIYPL4CZKC5-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Proof of EMD missing in the file.<br>Resolved 06/XX/2025 - Received client response as The borrower had sufficient assets to cover the funds to close and reserves without verifying the EMD, condition resolved. | Received client response as The borrower had sufficient assets to cover the funds to close and reserves without verifying the EMD, condition resolved. | Received client response as The borrower had sufficient assets to cover the funds to close and reserves without verifying the EMD, condition resolved. |  |  | QC Complete | 06/12/2025 | 06/18/2025 | 06/18/2025 | 06/12/2025 |
| 9782158159 | XX | XX |  | XX | XX | 07/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | SGDRX5YL3BF-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.891% Allowed 8.250% +Overby 1.641%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 08/01/2025 | 08/01/2025 | 08/01/2025 | 08/01/2025 |
| 9782158159 | XX | XX |  | XX | XX | 07/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Doc Issue | SGDRX5YL3BF-0CTXAKVO | Resolved | 3 | R | \* VOM or VOR missing/required (Lvl R) | Please provide a Verification of Rent (VOR) for the borrower's current residence located at XX, where the monthly rent is $1,500.<br>Resolved 08/XX/2025 - Received credit supplemental report with 12 months rental history, condition resolved. | Resolved 08/06/2025 - Received credit supplemental report with 12 months rental history, condition resolved. | Resolved 08/06/2025 - Received credit supplemental report with 12 months rental history, condition resolved. |  |  | QC Complete | 08/01/2025 | 08/06/2025 | 08/06/2025 | 08/01/2025 |
| 9783075964 | XX | XX |  | XX | XX | 07/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | MBZZUZIYT50-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | The Borrower's Driver License expired on 07/XX/2025, which is prior to the closing date. Provide a updated government ID<br>Resolved 07/XX/2025 - Received un expired passport, condition resolved. | Resolved 07/24/2025 - Received un expired passport, condition resolved. | Resolved 07/24/2025 - Received un expired passport, condition resolved. |  |  | QC Complete | 07/17/2025 | 07/24/2025 | 07/24/2025 | 07/16/2025 |
| 9783333835 | XX | XX |  | XX | XX | 06/XX/2025 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | 5VCW010LNP3-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The $XX coverage amount on the title report is less than the mortgage loan amount of $XX<br>Resolved 06/XX/2025 - Received title report with insured amount, condition resolved. | Resolved 06/27/2025 - Received title report with insured amount, condition resolved. | Resolved 06/27/2025 - Received title report with insured amount, condition resolved. |  |  | QC Complete | 06/19/2025 | 06/27/2025 | 06/27/2025 | 06/17/2025 |
| 9783333835 | XX | XX |  | XX | XX | 06/XX/2025 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Other Disclosures | 5VCW010LNP3-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide copy of VOR proof of 1XX<br>Resolved 06/XX/2025 - Received Client response as LOX is not required for the previous residence property, condition resolved. | Resolved 06/25/2025 - Received Client response as LOX is not required for the previous residence property, condition resolved. | Resolved 06/25/2025 - Received Client response as LOX is not required for the previous residence property, condition resolved. |  |  | QC Complete | 06/19/2025 | 06/25/2025 | 06/25/2025 | 06/18/2025 |
| 9783333835 | XX | XX |  | XX | XX | 06/XX/2025 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | 5VCW010LNP3-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Hazard insurance does not reflects ISAOA ATIMA.<br>Resolved 07/XX/2025 - Received updated insurance document, condition resolved. | Resolved 07/16/2025 - Received updated insurance document, condition resolved. | Resolved 07/16/2025 - Received updated insurance document, condition resolved. |  |  | QC Complete | 06/19/2025 | 07/16/2025 | 07/16/2025 | 06/17/2025 |
| 9784014327 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | LMAOSELB5ZQ-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.748% Allowed 8.370% Overby +0.378%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 06/10/2025 | 06/10/2025 | 06/10/2025 | 06/10/2025 |
| 9784014327 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Credit | LMAOSELB5ZQ-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide Real estate appraisers error and omissions insurance policy, as it is missing<br>Resolved 06/XX/2025 - Received appraisal report with E&O Policy, condition resolved. | Resolved 06/13/2025 - Received appraisal report with E&O Policy, condition resolved. | Resolved 06/13/2025 - Received appraisal report with E&O Policy, condition resolved. |  |  | QC Complete | 06/10/2025 | 06/13/2025 | 06/13/2025 | 06/10/2025 |
| 9784651755 | XX | XX |  | XX | XX | 06/XX/2025 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | BVSSCCET24J-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX<br>Resolved 06/XX/2025 - Received title insured amount, condition resolved. | Resolved 06/26/2025 - Received title insured amount, condition resolved. | Resolved 06/26/2025 - Received title insured amount, condition resolved. |  |  | QC Complete | 06/23/2025 | 06/26/2025 | 06/26/2025 | 06/23/2025 |
| 9785841488 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | E5K5RYSOHHU-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.292% Allowed 8.300% Overby +0.992%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 06/12/2025 | 06/12/2025 | 06/12/2025 | 06/11/2025 |
| 9788544097 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | AIWVM041A0G-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | FTHB with no prior housing payment in the past 12 months purchasing a 2nd home.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 738 FICO exceeds the guideline requirement of 720.<br>DTI: 41.58% DTI is less than the maximum guideline requirement of 50.00%.<br>|  | QC Complete | 06/17/2025 |  |  | 06/16/2025 |
| 9788547934 | XX | XX |  | XX | XX | 06/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | WKSFCGOI2ON-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide lease agreement for XX($2500), as it is missing.<br>Resolved 07/XX/2025 - There is no lease agreement required for STR Income, condition resolved. | Resolved 07/16/2025 - There is no lease agreement required for STR Income, condition resolved. | Resolved 07/16/2025 - There is no lease agreement required for STR Income, condition resolved. |  |  | QC Complete | 07/02/2025 | 07/16/2025 | 07/16/2025 | 07/02/2025 |
| 9791752257 | XX | XX |  | XX | XX | 06/XX/2025 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | UGV545OA2H0-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The $XX coverage amount on the title report is less than the mortgage loan amount of $XX<br>Resolved 06/XX/2025 - Received title report with insured amount, condition resolved. | Resolved 06/25/2025 - Received title report with insured amount, condition resolved. | Resolved 06/25/2025 - Received title report with insured amount, condition resolved. |  |  | QC Complete | 06/19/2025 | 06/25/2025 | 06/25/2025 | 06/18/2025 |
| 9793055337 | XX | XX |  | XX | XX | 06/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | THT0BQ1Q54K-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide updated Hazard insurance with mortgage clause.<br>Resolved 07/XX/2025 - Received Updated insurance document, condition resolved. | Resolved 07/21/2025 - Received Updated insurance document, condition resolved. | Resolved 07/21/2025 - Received Updated insurance document, condition resolved. |  |  | QC Complete | 07/10/2025 | 07/21/2025 | 07/21/2025 | 07/09/2025 |
| 9793247447 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | MGG4SB3VJUP-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.577% Allowed 8.380% Overby +1.197%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 07/17/2025 | 07/17/2025 | 07/17/2025 | 07/16/2025 |
| 9793446429 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | XYXGZ0KYV5V-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | "The hazard insurance policy was not properly scanned. The Dwelling coverage amount shows $xx, indicating a missing digit."<br>Resolved 07/XX/2025 - Received corrected insurance, condition resolved. | Resolved 07/16/2025 - Received corrected insurance, condition resolved. | Resolved 07/16/2025 - Received corrected insurance, condition resolved. |  |  | QC Complete | 07/09/2025 | 07/16/2025 | 07/16/2025 | 07/09/2025 |
| 9794614397 | XX | XX |  | XX | XX | 06/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | VMQJ4PJGDLY-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of the Title supplement, as the proposed title insurance amount of $XX is inadequate to cover the loan amount of $XX<br>Resolved 06/XX/2025 - Received title report with insured amount, condition resolved. | Resolved 06/25/2025 - Received title report with insured amount, condition resolved. | Resolved 06/25/2025 - Received title report with insured amount, condition resolved. |  |  | QC Complete | 06/18/2025 | 06/25/2025 | 06/25/2025 | 06/18/2025 |
| 9796851161 | XX | XX |  | XX | XX | 06/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | 1V3YTTN0H1Y-XRW0S8RB | Resolved | 3 | R | \* Disclosure - Your Home Loan Toolkit is missing or unexecuted (Lvl R) | Missing Home Loan Toolkit.<br>Resolved 07/XX/2025: Received Home Loan Toolkit dated 4/XX/2025 and exception is cleared. | Resolved 07/01/2025: Received xx dated 4/xx/2025 and exception is cleared. | Resolved 07/01/2025: Received Home Loan Toolkit dated 4/21/2025 and exception is cleared. |  |  | QC Complete | 06/23/2025 | 07/01/2025 | 07/01/2025 | 06/20/2025 |
| 9799697868 | XX | XX |  | XX | XX | 05/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | U5MSS014EF3-AEPG67BW | Resolved | 3 | R | \* Missing credit report (Lvl R) | Provide a copy of credit report for the borrower (XX) with atleast 2 credit scores in it.<br>Resolved 06/XX/2025 - Received Client LOE " The borrower does not have any reported credit freeze & 1 credit score is allowed as per guideline", condition resolved. | Resolved 06/17/2025 - Received Client LOE " The borrower does not have any reported credit freeze & 1 credit score is allowed as per guideline", condition resolved. | Resolved 06/17/2025 - Received Client LOE " The borrower does not have any reported credit freeze & 1 credit score is allowed as per guideline", condition resolved. |  |  | QC Complete | 06/24/2025 | 06/24/2025 | 06/24/2025 | 06/11/2025 |

---

## Exhibit 99.3

**Exhibit 99.3**

![](ex99-3_001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary

NRMLT 2025-NQM5

Dated: September 19, 2025

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

![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview**

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

**Sample size and criteria.**

The final population of the Review covered 100 Loans, 34 Residential Loans and 66 Business Purpose Loans, totaling an aggregate original principal balance of approximately $46,662,986. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population. The Review was conducted consistent with the criteria for S&P Global Ratings ("S&P") and Kroll Bond Rating Agency, LLC (KBRA), the NRSROs identified in Item 3 of the ABS Due Diligence-15E.

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

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

---

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

---

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

---

![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

---

![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

---

![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

Additionally, Evolve verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, (iv) that social security numbers across documents were consistent, and (v) debt-to-income ratio ("DTI(s)") and/or loan-to-value ratios ("LTV(s)") were used in the assessment of conformity guidelines.

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

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

---

![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| P a g e |

---

![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Compliance Results Summary | &nbsp;&nbsp;Compliance Results Summary | &nbsp;&nbsp;Compliance Results Summary | &nbsp;&nbsp;Compliance Results Summary | &nbsp;&nbsp;Compliance Results Summary |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;34 | &nbsp;&nbsp;34.00% | &nbsp;&nbsp;34 | &nbsp;&nbsp;34.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;66 | &nbsp;&nbsp;66.00% | &nbsp;&nbsp;66 | &nbsp;&nbsp;66.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**100** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;87 | &nbsp;&nbsp;87.00% | &nbsp;&nbsp;87 | &nbsp;&nbsp;87.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;13.00% | &nbsp;&nbsp;13 | &nbsp;&nbsp;13.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**100** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Property/Valuation Results Summary | &nbsp;&nbsp;Property/Valuation Results Summary | &nbsp;&nbsp;Property/Valuation Results Summary | &nbsp;&nbsp;Property/Valuation Results Summary | &nbsp;&nbsp;Property/Valuation Results Summary |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**100** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 6 \| P a g e |

---

![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

**Overall Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;87 | &nbsp;&nbsp;87.00% | &nbsp;&nbsp;87 | &nbsp;&nbsp;87.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;13.00% | &nbsp;&nbsp;13 | &nbsp;&nbsp;13.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**100** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100** | &nbsp;&nbsp;**100.00%** |

---

**Data Results Summary**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;100 | &nbsp;&nbsp;4.00% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;12 | &nbsp;&nbsp;100 | &nbsp;&nbsp;12.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;40 | &nbsp;&nbsp;100 | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;73 | &nbsp;&nbsp;100 | &nbsp;&nbsp;73.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;74 | &nbsp;&nbsp;100 | &nbsp;&nbsp;74.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;99 | &nbsp;&nbsp;100 | &nbsp;&nbsp;99.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;100 | &nbsp;&nbsp;1.00% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;2 | &nbsp;&nbsp;100 | &nbsp;&nbsp;2.00% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;100 | &nbsp;&nbsp;3.00% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;100 | &nbsp;&nbsp;2.00% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;29 | &nbsp;&nbsp;100 | &nbsp;&nbsp;29.00% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;59 | &nbsp;&nbsp;100 | &nbsp;&nbsp;59.00% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;72 | &nbsp;&nbsp;100 | &nbsp;&nbsp;72.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;100 | &nbsp;&nbsp;1.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;8 | &nbsp;&nbsp;100 | &nbsp;&nbsp;8.00% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;10 | &nbsp;&nbsp;100 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;99 | &nbsp;&nbsp;100 | &nbsp;&nbsp;99.00% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;2 | &nbsp;&nbsp;100 | &nbsp;&nbsp;2.00% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;40 | &nbsp;&nbsp;100 | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;4 | &nbsp;&nbsp;100 | &nbsp;&nbsp;4.00% |

---

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 7 \| P a g e |

---

![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

**APPENDIX A**

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

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

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

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 8 \| P a g e |

---

![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 9 \| P a g e |

---

![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

---

| | | |
|:---|:---|:---|
|  | iii) | verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations; |
|  | iv) | determine whether a valid and properly documented changed circumstance accompanies any changes to loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and |
|  | v) | confirm the presence of a settlement service provider list, as applicable. |
| &nbsp;&nbsp;b) | <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> | <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> |
|  | i) | confirm current applicable HUD form was provided; |
|  | ii) | determination that the loan file contains the final HUD; |
|  | iii) | escrow deposit on the final HUD matches the initial escrow statement amount; and |
|  | iv) | verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations. |
| &nbsp;&nbsp;c) | <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> | <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> |
|  | i) | review changes disclosed on the last GFE provided to the borrower(s) to determine that such changes were within the allowed tolerances; |
|  | ii) | confirm loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and loan documents; and |
|  | iii) | review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement. |
| &nbsp;&nbsp;d) | <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> | <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> |
|  | i) | confirm the presence of the Servicing Disclosure Statement form in the loan file; |
|  | ii) | verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application; |
|  | iii) | confirm the presence of the Special Information Booklet in the loan file or that the loan file contains documentary evidence that the disclosure was provided to the borrower; |
|  | iv) | confirm the Special Information Booklet was provided within three (3) business days of application; |
|  | v) | confirm the presence of the Affiliated Business Arrangement Disclosure in the loan file in the event the lender has affiliated business arrangements; |
|  | vi) | confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application; |
|  | vii) | confirm the Affiliated Business Arrangement Disclosure is executed; and |
|  | viii) | confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing. |

---

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 10 \| P a g e |

---

![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

**(VI) Document Review**

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

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

■ Final application (1003);

■ Note;

■ Appraisal;

■ Sales contract;

■ Title/Preliminary Title;

■ Initial TIL;

■ Final TIL;

■ Final HUD-1;

■ Initial and final GFE's;

■ Right of Rescission Disclosure;

■ Mortgage/Deed of Trust;

■ Mortgage Insurance;

■ Tangible Net Benefit Disclosure;

■ FACTA disclosures; and

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

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 11 \| P a g e |

---

![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 12 \| P a g e |

---

![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 13 \| P a g e |

---

![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 14 \| P a g e |

---

![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

(XI) FIRREA Review

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 15 \| P a g e |

---

![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 16 \| P a g e |

---

![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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.)

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 17 \| P a g e |

---

![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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.

(XIII) Document Review

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

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

■ Closing Disclosures; and

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

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 18 \| P a g e |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) |
|  | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |
|  | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** |
|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| ASF Loan Number | **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 12025011645 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1073 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025021662 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 12025030137 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4 |
| 12025030998 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| 12025031902 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025032273 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 12025040201 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025040526 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1025 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -7.69% | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025040730 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1025 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025040813 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1025 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -7.89% | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025041152 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| 12025041159 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| 12025041225 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025041272 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1025 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025041535 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025041546 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -2.60% | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 12025041644 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1073 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 12025041667 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025041811 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025042242 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1025 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025042504 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -2.99% | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025042505 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025042507 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025042509 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025042524 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025042604 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025042628 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| 12025042684 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025042771 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| 12025050112 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025050190 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025050218 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.2 |
| 12025050380 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5 |
| 12025050433 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| 12025050466 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.4 |
| 12025050477 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025050491 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.4 |
| 12025050528 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1025 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025050545 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1025 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025050571 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| 12025050603 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1025 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025050632 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025050698 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1025 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025050710 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025050794 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1073 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| 12025050879 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025050903 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -6.20% | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.4 |
| 12025051025 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5 |
| 12025051338 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025051441 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025051523 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| 12025051533 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025051558 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1073 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025051570 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025051575 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.3 |
| 12025051679 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025051694 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025051708 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025051737 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1025 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025051780 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.6 |
| 12025051829 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.2 |
| 12025051830 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| 12025051843 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.7 |
| 12025051908 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025051938 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.7 |
| 12025051991 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025052062 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025052163 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1025 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025052166 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| 12025052169 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025052191 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025052195 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025052206 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025052265 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1025 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025052304 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 12025052398 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025052452 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025052639 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1025 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Moderage | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025052697 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.2 |
| 12025060063 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025060154 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1025 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025060198 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025060317 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1025 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025060388 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 12025060395 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.1 |
| 12025060412 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 12025060431 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| 12025060503 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.3 |
| 12025060625 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025060632 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1073 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025060695 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1073 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| 12025060768 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1025 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025060792 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 12025060832 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 12025060833 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| 12025061004 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.1 |
| 12025061137 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.1 |
| 12025061193 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 12025062098 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 400093763 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.8 |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) |
|  | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |
|  | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** |
|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| ASF Loan Number | **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 12025011645 | XX | XX | XX | XX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025021662 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025030137 | XX | XX | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025030998 | XX | XX | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025031902 | XX | XX | XX | XX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025032273 | XX | XX | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025040201 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025040526 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025040730 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025040813 | XX | XX | XX | XX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025041152 | XX | XX | XX | XX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 12025041159 | XX | XX | XX | XX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025041225 | XX | XX | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025041272 | XX | XX | XX | XX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025041535 | XX | XX | XX | XX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 12025041546 | XX | XX | XX | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 12025041644 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025041667 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025041811 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025042242 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025042504 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025042505 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025042507 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025042509 | XX | XX | XX | XX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025042524 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025042604 | XX | XX | XX | XX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 12025042628 | XX | XX | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025042684 | XX | XX | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025042771 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025050112 | XX | XX | XX | XX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 12025050190 | XX | XX | XX | XX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 12025050218 | XX | XX | XX | XX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025050380 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025050433 | XX | XX | XX | XX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025050466 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025050477 | XX | XX | XX | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 12025050491 | XX | XX | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025050528 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025050545 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025050571 | XX | XX | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025050603 | XX | XX | XX | XX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025050632 | XX | XX | XX | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 12025050698 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025050710 | XX | XX | XX | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 12025050794 | XX | XX | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025050879 | XX | XX | XX | XX | D | D | D | D | D | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | D | D | D | D | D | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025050903 | XX | XX | XX | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025051025 | XX | XX | XX | XX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 12025051338 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025051441 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025051523 | XX | XX | XX | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025051533 | XX | XX | XX | XX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025051558 | XX | XX | XX | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025051570 | XX | XX | XX | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025051575 | XX | XX | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025051679 | XX | XX | XX | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025051694 | XX | XX | XX | XX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025051708 | XX | XX | XX | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 12025051737 | XX | XX | XX | XX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025051780 | XX | XX | XX | XX | D | D | D | D | D | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025051829 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025051830 | XX | XX | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025051843 | XX | XX | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025051908 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025051938 | XX | XX | XX | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025051991 | XX | XX | XX | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025052062 | XX | XX | XX | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025052163 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025052166 | XX | XX | XX | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025052169 | XX | XX | XX | XX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025052191 | XX | XX | XX | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 12025052195 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025052206 | XX | XX | XX | XX | D | D | D | D | D | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025052265 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025052304 | XX | XX | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025052398 | XX | XX | XX | XX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 12025052452 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025052639 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025052697 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025060063 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025060154 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025060198 | XX | XX | XX | XX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025060317 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025060388 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025060395 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025060412 | XX | XX | XX | XX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025060431 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025060503 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025060625 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025060632 | XX | XX | XX | XX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025060695 | XX | XX | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025060768 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025060792 | XX | XX | XX | XX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025060832 | XX | XX | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025060833 | XX | XX | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025061004 | XX | XX | XX | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025061137 | XX | XX | XX | XX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12025061193 | XX | XX | XX | XX | D | D | D | D | D | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 12025062098 | XX | XX | XX | XX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 400093763 | XX | XX | XX | XX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) | ![](ex99-3sch3_001.jpg) |
|  | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** |
|  | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** |
| ASF Loan Number | **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Source for Property DTI Calculation** | **Short Term Rental** | **STR Source** | **STR Amount** | **Property DTI** | **Investor DTI** | **Value Used for DSCR Calc** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Is Lease Month To Month** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Actual Loss Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Months Reserves** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Personal Guarantee** | **Personal Guaranty Recourse Level** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Experian FICO** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Trans Union FICO** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Experian FICO** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Trans Union FICO** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Borrower Entity Type** | **Name of Borrowing Entity** | **Default Rate Clause** | **Default Rate** | **EIN Number** |
| 12025021662 | XX | XX | XX |  | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $2800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2800 | 1.25 | $2236.41 |  |  |  | No |  |  | NO | $0.00 | $256.08 | $93.92 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 63 | 25 | US Citizen | US Citizen | 761 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Primary | Primary | XX | XX | Co-Borrower | Co-Borrower | XX | XX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XX | XX | XX | 1 | 1979 | 1056 | 3 | 2 | C4 | XX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 12025031902 | XX | XX | XX | XX | XX | XX | XX | XX | Bank Statement | Yes | No | $0.00 | $5500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 38.067 |  | 0 | 0 | $7837.73 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $127.67 | $455.17 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 144 | 9 | US Citizen | US Citizen | 736 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 711 | 736 | 759 | XX | XX |  | US Citizen | Not Stated, not Verified | 812 | 814 | 793 | Employed | Not Required | XX |  | XX | 1 | 2023 | 2550 | 4 | 3.1 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025040201 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $3100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3100 | 1.14 | $2724.79 |  |  |  | Yes | $91940.00 |  | NO | $0.00 | $574.55 | $129.08 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 17 | 5 | US Citizen |  | 764 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 768 | 755 | 764 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 1 | 1969 | 2000 | 4 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025040526 | XX | XX | XX | XX | XX |  | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $5500.00 |  | 1025 | No |  | 0 |  |  | 5500 | 1.26 | $4365.77 |  |  |  | No |  |  | NO | $0.00 | $609.12 | $209.33 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 2 | 5 | US Citizen |  | 745 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 745 | 745 | 726 |  |  |  |  |  |  |  |  | Not Required |  | XX | XX | XX | 2 | 1897 | 2436 | 8 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | FALSE |  | XX |
| 12025040730 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $6300.00 |  | 1025 | No |  | 0 |  |  | 6300 | 1.25 | $5025.99 |  |  |  | Yes | $50000.00 |  | NO | $0.00 | $835.02 | $130.00 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 3 | 2 | US Citizen |  | 756 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 756 | 696 | 770 |  |  |  |  |  |  |  |  | Not Required |  | XX | XX | XX | 3 | 1900 | 2962 | 7 | 3.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | FALSE |  | XX |
| 12025040813 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $3750.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3750 | 1.56 | $2401.42 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $256.21 | $128.00 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 111 | 4 | US Citizen |  | 740 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 759 | 740 | 730 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 2 | 1920 | 1699 | 4 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025041152 | XX | XX | XX |  | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $1600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1600 | 1.17 | $1366.94 |  |  |  | No |  |  | NO | $0.00 | $417.25 | $105.50 | Stated, Verified | NO | 2 | 7 |  | No | No | Experienced | 57 | 8 | US Citizen |  | 810 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 812 | 806 | 810 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 1 | 1959 | 1345 | 3 | 2 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | FALSE |  | XX |
| 12025041159 | XX | XX | XX |  | XX | XX | XX | XX | Debt Service Coverage | Yes | Yes | $1600.00 | $1700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1700 | 1.14 | $1495.08 | 20260531 | 13 | No | No |  |  | NO | $0.00 | $319.72 | $114.25 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 75 | 8.9 | US Citizen |  | 810 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 812 | 806 | 810 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 1 | 1978 | 1468 | 4 | 2 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025041272 | XX | XX | XX | XX | XX | XX | XX | XX | Bank Statement | Yes | No | $0.00 | $3900.00 | FNMA 1007/216 |  | No |  | 0 | 22.139 |  | 0 | 0 | $4923.44 |  |  |  | No |  |  | NO | $0.00 | $886.08 | $140.08 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 20 | 3 | Permanent Resident Alien |  | 714 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | Permanent Resident Alien | Stated, Verified | 714 | 678 | 721 |  |  |  |  |  |  |  |  | Employed |  | XX | XX | XX | 2 | 1950 | 1692 | 3 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025041535 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $3500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3500 | 1.1 | $3176.71 |  |  |  | Yes | $34100.00 |  | NO | $0.00 | $732.33 | $211.17 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 3 | 5 | US Citizen |  | 703 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 703 | 733 | 679 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 1 | 1986 | 2443 | 4 | 2.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025041644 | XX | XX | XX |  | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $3100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3100 | 1.29 | $2402.58 |  |  |  | No |  |  | NO | $0.00 | $448.79 | $95.83 | Stated, Verified | NO | 4 | 4 |  | No | No | Experienced | 1109 | 2 | US Citizen |  | 755 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 779 | 755 | 738 |  |  |  |  |  |  |  |  | Not Required |  | XX | XX | XX | 1 | 1940 | 1150 | 3 | 1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025041667 | XX | XX | XX |  | XX | XX | XX | XX | Debt Service Coverage | Yes | Yes | $1450.00 | $1450.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1450 | 1.26 | $1150.90 | 20251031 | 12 | No | Yes | $13300.00 |  | NO | $0.00 | $294.03 | $89.42 | Stated, Verified | NO | 1 | 8 |  | No | No | Experienced | 57 | 8.9 | US Citizen |  | 810 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 812 | 806 | 810 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 1 | 1960 | 953 | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025041811 | XX | XX | XX |  | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $4200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4200 | 1.27 | $3294.16 |  |  |  | Yes | $80000.00 |  | NO | $0.00 | $672.42 | $123.25 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 18 | 4.6 | Non Permanent Resident Alien |  | 694 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | Non Permanent Resident Alien | Stated, Verified | 682 | 694 |  |  |  |  |  |  |  |  |  | Not Required |  | XX | XX | XX | 1 | 1925 | 944 | 3 | 1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025042242 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $6500.00 |  | 1025 | No |  | 0 |  |  | 6500 | 1.11 | $5831.94 |  |  |  | Yes | $42000.00 |  | NO | $0.00 | $937.50 | $116.83 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 60 | 3 | US Citizen |  | 799 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Primary | Primary | XX | XX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XX | XX | XX | 2 | 1898 | 1617 | 5 | 4 | C4 | XX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 12025042504 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $1800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1800 | 1.36 | $1322.24 |  |  |  | Yes | $22200.00 |  | NO | $0.00 | $180.88 | $125.73 | Stated, Verified | NO | 3 | 4 |  | No | No | Experienced | 34 | 5 | US Citizen |  | 741 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 719 | 752 | 741 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 1 | 1900 | 1158 | 3 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | FALSE |  | XX |
| 12025042505 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $1800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1800 | 1.32 | $1367.46 |  |  |  | Yes | $33600.00 |  | NO | $0.00 | $222.74 | $83.61 | Stated, Verified | NO | 3 | 4 |  | No | No | Experienced | 39 | 5 | US Citizen |  | 741 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 719 | 752 | 741 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 1 | 1901 | 1394 | 3 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | FALSE |  |  |
| 12025042507 | XX | XX | XX |  | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $1920.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1920 | 1.26 | $1520.61 |  |  |  | Yes | $27600.00 |  | NO | $0.00 | $227.65 | $105.53 | Stated, Verified | NO | 3 | 4 |  | No | No | Experienced | 12 | 5 | US Citizen |  | 741 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 719 | 752 | 741 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 1 | 1915 | 1688 | 3 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025042509 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $1775.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1775 | 1.39 | $1276.87 |  |  |  | Yes | $23400.00 |  | NO | $0.00 | $149.15 | $91.88 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 22 | 5 | US Citizen |  | 741 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 719 | 752 | 741 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 1 | 1887 | 1188 | 3 | 1.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025042524 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $2800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2800 | 1.27 | $2210.53 |  |  |  | Yes | $34700.00 |  | YES | $84.58 | $277.27 | $366.50 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 51 | 0.6 | US Citizen |  | 704 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 685 | 704 | 709 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 1 | 2002 | 1551 | 4 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | FALSE |  | XX |
| 12025042604 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $3500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3500 | 1.1 | $3194.74 |  |  |  | Yes | $47500.00 |  | NO | $0.00 | $393.33 | $115.34 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 21 | 2 | US Citizen |  | 778 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 763 | 793 | 778 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 1 | 2025 | 2275 | 4 | 3 | C1 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025042771 | XX | XX | XX |  | XX | XX | XX | XX | Debt Service Coverage | Yes | Yes | $2500.00 | $2100.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2500 | 1.15 | $2166.82 | 20260630 | 12 | No | Yes | $35000.00 |  | NO | $0.00 | $205.63 | $105.67 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 10 | 3.2 | US Citizen | US Citizen | 768 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Primary | Primary | XX | XX | Co-Borrower | Co-Borrower | XX | XX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XX | XX | XX | 1 | 1979 | 1716 | 3 | 2 | C2 | XX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | TRUE | 18 |  |
| 12025050112 | XX | XX | XX |  | XX | XX | XX | XX | Bank Statement | Yes | No | $0.00 | $5500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 28.779 |  | 0 | 0 | $7338.88 |  |  |  | Yes | $81800.00 |  | YES | $145.00 | $1539.66 | $131.76 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 7 | 5.4 | US Citizen | US Citizen | 750 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Primary | Primary | XX | XX | Co-Borrower | Co-Borrower | XX | XX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Employed | XX | XX | XX | 1 | 2025 | 3132 | 4 | 3 | C1 | XX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | TRUE | 18 |  |
| 12025050190 | XX | XX | XX |  | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $2025.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2025 | 1.12 | $1801.44 |  |  |  | Yes | $27300.00 |  | NO | $0.00 | $73.99 | $248.83 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 76 | 0 | US Citizen |  | 729 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 747 | 700 | 729 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 1 | 1979 | 1293 | 4 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025050218 | XX | XX | XX |  | XX | XX | XX | XX | Bank Statement | Yes | No | $0.00 | $4300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 27.714 |  | 0 | 0 | $9856.64 |  |  |  | No |  |  | NO | $0.00 | $1251.54 | $377.00 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 14 | 13 | US Citizen |  | 747 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 747 | 734 | 754 |  |  |  |  |  |  |  |  | Employed |  | XX | XX | XX | 1 | 1922 | 2222 | 3 | 2 | C4 | XX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025050380 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $2300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2300 | 1.33 | $1724.48 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $234.00 | $75.67 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 30 | 3 | US Citizen |  | 752 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 752 |  | 756 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 1 | 1925 | 1664 | 4 | 1 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | FALSE |  | XX |
| 12025050433 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $2800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2800 | 1.57 | $1780.04 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $320.51 | $95.25 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 107 | 4 | US Citizen |  | 740 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 720 | 751 | 740 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 1 | 1920 | 1720 | 4 | 1.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | FALSE |  | XX |
| 12025050466 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | 1007/216 | 4320 |  |  | 4320 | 1.12 | $3827.26 |  |  |  | Yes | $25000.00 |  | NO | $0.00 | $420.14 | $292.83 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 68 | 7 | US Citizen |  | 787 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Primary | Primary | XX | XX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XX | XX | XX | 1 | 1940 | 837 | 3 | 1 | C4 | XX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 12025050528 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | Yes | $5400.00 | $7500.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 5400 | 1.04 | $5194.22 | 20260930 | 12 |  | Yes | $40800.00 |  | NO | $0.00 | $803.14 | $308.07 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 12 | 2 | US Citizen |  | 683 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 681 | 683 | 700 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 4 | 1928 | 2608 | 7 | 4 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | FALSE |  | XX |
| 12025050545 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | Yes | $6900.00 | $9000.00 |  | 1025 | No |  | 0 |  |  | 9000 | 1.47 | $6115.94 | 20260501 | 12 | No | Yes | $40000.00 |  | NO | $0.00 | $454.46 | $333.16 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 84 | 3.4 | US Citizen |  | 754 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 763 | 741 | 754 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 3 | 1901 | 3030 | 6 | 3 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025050603 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | Yes | $6450.00 | $9000.00 |  | Leases | No |  | 0 |  |  | 6450 | 1.02 | $6322.41 | 20260515 | 12 | No | Yes | $40000.00 |  | NO | $0.00 | $981.83 | $225.40 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 80 | 3 | US Citizen |  | 754 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 741 | 763 | 754 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 3 | 1925 | 2256 | 6 | 1 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | FALSE |  | XX |
| 12025050698 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | Yes | $5800.00 | $6200.00 |  | 1025 | No |  | 0 |  |  | 6200 | 1.11 | $5597.96 | 20260201 | 12 | No | Yes | $40000.00 |  | NO | $0.00 | $482.03 | $302.93 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 3 | 4 | US Citizen |  | 786 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 786 | 801 | 778 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 3 | 1911 | 2743 | 7 | 3 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025050879 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2000 | 1.18 | $1699.66 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $280.95 | $91.83 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 21 | 9 | Permanent Resident Alien |  | 708 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | Permanent Resident Alien | Stated, Verified | 695 | 708 | 725 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 1 | 1900 | 1550 | 3 | 1.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025051025 | XX | XX | XX |  | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $13500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 13500 | 1.01 | $13333.72 |  |  |  | Yes | $185700.00 |  | NO | $0.00 | $1205.07 | $92.92 | Stated, Verified | NO | 2 | 15 |  | No | No | Experienced | 22 | 1 | US Citizen |  | 734 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 734 | 742 | 731 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 1 | 1967 | 3600 | 6 | 4.1 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025051338 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | Yes | $3250.00 | $2660.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3250 | 1.02 | $3194.14 | 20260630 | 12 |  | Yes | $0.00 | Yes | NO | $0.00 | $408.75 | $78.08 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 8 | 0 | Non Permanent Resident Alien |  | 796 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XX | Primary | Primary | XX | XX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XX | XX | XX | 1 | 1986 | 1431 | 3 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | TRUE | 18 |  |
| 12025051441 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $3300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3300 | 1.45 | $2270.45 |  |  |  | Yes | $22000.00 |  | NO | $0.00 | $170.52 | $617.75 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 57 | 2 | US Citizen | US Citizen | 772 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 768 | 759 | 733 | XX | XX |  | US Citizen | Stated, Verified | 772 | 760 | 776 | Not Required | Not Required | XX |  | XX | 1 | 1946 | 1684 | 4 | 2 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025051533 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2500 | 1.09 | $2290.60 |  |  |  | Yes | $0.00 | Yes | YES | $45.00 | $319.70 | $64.92 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 19 | 8 | US Citizen |  | 803 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Primary | Primary | XX | XX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XX | XX | XX | 1 | 1990 | 1360 | 3 | 2.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | TRUE | 18 |  |
| 12025051694 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $2400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2400 | 1.37 | $1752.51 |  |  |  | Yes | $24000.00 |  | NO | $0.00 | $393.13 | $150.43 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 87 | 2 | US Citizen |  | 761 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 761 | 758 | 761 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 1 | 1980 | 1788 | 3 | 3 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025051737 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $6200.00 |  | 1025 | No |  | 0 |  |  | 6200 | 1.07 | $5785.54 |  |  |  | Yes | $53800.00 |  | NO | $0.00 | $1064.63 | $118.48 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 10 | 25 | US Citizen |  | 773 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 770 | 794 | 773 |  |  |  |  |  |  |  |  | Not Required |  | XX | XX | XX | 2 | 1920 | 2412 | 6 | 2 | C2 | XX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025051780 | XX | XX | XX |  | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $4100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4100 | 0.78 | $5265.22 |  |  |  | Yes | $30000.00 |  | NO | $0.00 | $1494.41 | $307.79 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 10 | 13 | US Citizen |  | 770 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 708 | 770 | 772 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 1 | 1985 | 2440 | 4 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025051829 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $2300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2300 | 1.14 | $2023.55 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $325.00 | $77.08 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 16 | 1.4 | US Citizen |  | 783 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 781 | 783 | 786 |  |  |  |  |  |  |  |  | Not Required |  | XX | XX | XX | 1 | 1924 | 1066 | 3 | 1 | C4 | XX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025051908 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | Yes | $3550.00 | $2600.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3550 | 1.09 | $3266.44 | 20260630 | 12 |  | No |  |  | NO | $0.00 | $480.54 | $335.25 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 25 | 3.2 | Non Permanent Resident Alien |  | 723 | 0 | 0 |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | Non Permanent Resident Alien | Stated, Verified | 727 | 722 | 723 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 1 | 1959 | 1104 | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025052163 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $2800.00 |  | 1025 | No |  | 0 |  |  | 2800 | 1.09 | $2574.25 |  |  |  | Yes | $80000.00 |  | NO | $0.00 | $392.69 | $132.50 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 3 | 2 | US Citizen |  | 777 | 0 | 0 |  |  | 11 | 0 | 0 | 0 | 0 |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 745 | 778 | 777 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 2 | 1917 | 1440 | 2 | 2 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | FALSE |  | XX |
| 12025052169 | XX | XX | XX | XX | XX | XX | XX | XX | DSCR+Asset Depletion | Yes | No | $0.00 | $1950.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3866.66 | 1.67 | $2315.63 |  |  |  | No |  |  | NO | $0.00 | $610.60 | $146.83 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 348 | 0.6 | US Citizen |  | 806 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 826 | 806 | 797 |  |  |  |  |  |  |  |  | Not Required |  | XX | XX | XX | 1 | 1995 | 1817 | 4 | 2 | C4 | XX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025052195 | XX | XX | XX |  | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $1295.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1295 | 1.03 | $1255.78 |  |  |  | Yes | $50000.00 |  | NO | $0.00 | $54.70 | $100.54 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 116 | 4 | US Citizen | US Citizen | 764 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Primary | Primary | XX | XX | Co-Borrower | Co-Borrower | XX | XX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XX |  | XX | 1 | 1961 | 908 | 2 | 1 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | TRUE | 18 |  |
| 12025052206 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $1300.00 | FNMA 1007/216 | Other | No |  | 0 |  |  | 1632.33 | 1.06 | $1543.44 |  |  |  | No |  |  | NO | $0.00 | $389.89 | $75.76 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 30 | 3 | US Citizen |  | 735 | 0 | 0 |  |  |  |  |  |  |  |  |  | XX | Primary | Primary | XX | XX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XX | XX | XX | 1 | 1962 | 1371 | 2 | 2 | C4 | XX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 12025052265 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $3550.00 |  | 1025 | No |  | 0 |  |  | 3550 | 1.36 | $2606.76 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $534.50 | $105.00 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 68 | 4 | US Citizen |  | 765 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 754 | 765 | 775 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 2 | 1910 | 2734 | 5 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025052398 | XX | XX | XX | XX | XX | XX | XX | XX | Full | Yes | No | $0.00 | $3950.00 | FNMA 1007/216 |  | No |  | 0 | 15.928 |  | 0 | 0 | $4840.96 |  |  |  | Yes | $231600.00 |  | YES | $55.00 | $649.24 | $152.00 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 43 | 1 | US Citizen |  | 732 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XX | Primary | Primary | XX | XX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XX | XX | XX | 1 | 2005 | 2574 | 4 | 2.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | TRUE | 18 |  |
| 12025052452 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $1700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1700 | 1.19 | $1430.16 |  |  |  | No |  |  | NO | $0.00 | $195.36 | $329.25 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 139 | 4 | US Citizen |  | 759 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 759 | 759 | 758 |  |  |  |  |  |  |  |  | Not Required |  | XX | XX | XX | 1 | 1995 | 1589 | 4 | 2 | C4 | XX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | FALSE |  | XX |
| 12025052639 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $6800.00 |  | 1025 | No |  | 0 |  |  | 6800 | 1.38 | $4934.01 |  |  |  | Yes | $79900.00 |  | NO | $0.00 | $1344.32 | $289.18 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 18 | 15 | US Citizen |  | 776 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 741 | 776 | 786 |  |  |  |  |  |  |  |  | Not Required |  | XX | XX | XX | 4 | 1960 | 2816 | 4 | 4 | C4 | XX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | FALSE |  |  |
| 12025052697 | XX | XX | XX |  | XX | XX | XX | XX | P&L | Yes | No | $0.00 | $0.00 |  |  | No |  | 0 | 34.411 |  | 0 | 0 | $10124.92 |  |  |  | No |  |  | YES | $240.00 | $716.84 | $453.83 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 116 | 2 | US Citizen |  | 724 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 700 | 724 | 726 |  |  |  |  |  |  |  |  | Employed |  | XX |  | XX | 1 | 2024 | 4192 | 4 | 4.1 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025060063 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | Yes | $3100.00 | $3000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3571.37 | 1.12 | $3201.01 | 20260430 | 12 | No | Yes | $51900.00 |  | NO | $0.00 | $315.20 | $123.56 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 4 | 34 | US Citizen |  | 725 | 0 | 0 |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 721 | 735 | 725 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 1 | 1980 | 1568 | 2 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | FALSE |  |  |
| 12025060154 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $3200.00 |  | 1025 | No |  | 0 |  |  | 0 | 1.07 | $2981.51 |  |  |  | Yes | $61649.00 |  | NO | $0.00 | $411.31 | $317.08 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 31 | 0.4 | US Citizen |  | 776 | 0 | 0 |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 790 | 776 | 762 |  |  |  |  |  |  |  |  | Not Required |  | XX | XX | XX | 2 | 1900 | 2484 | 6 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025060198 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $1700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1700 | 1.14 | $1491.50 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $146.74 | $81.33 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 66 | 7 | US Citizen |  | 760 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XX | Primary | Primary | XX | XX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XX | XX | XX | 1 | 1994 | 1221 | 3 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | TRUE | 18 |  |
| 12025060317 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $4100.00 |  | 1025 | No |  | 0 |  |  | 4100 | 1.26 | $3250.07 |  |  |  | Yes | $48000.00 |  | NO | $0.00 | $479.58 | $321.92 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 17 | 5 | US Citizen |  | 806 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 806 | 817 | 778 |  |  |  |  |  |  |  |  | Not Required |  | XX | XX | XX | 3 | 1900 | 3114 | 8 | 3 | C4 | XX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025060388 | XX | XX | XX | XX | XX | XX | XX | XX | DSCR+Asset Depletion | Yes | No | $0.00 | $2050.00 | Other | Other | No |  | 0 |  |  | 2238.32 | 1.01 | $2211.34 |  |  |  | Yes | $60200.00 |  | NO | $0.00 | $55.84 | $74.55 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 124 | 1 | US Citizen |  | 804 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Primary | Primary | XX | XX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XX |  | XX | 1 | 1951 | 904 | 2 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | TRUE | 18 |  |
| 12025060395 | XX | XX | XX |  | XX | XX | XX | XX | Debt Service Coverage | Yes | Yes | $2000.00 | $1600.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2000 | 1.07 | $1875.50 | 20260618 | 12 |  | Yes | $0.00 | Yes | NO | $0.00 | $377.61 | $172.83 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 20 | 12 | US Citizen |  | 804 | 0 | 0 |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 800 | 804 | 811 |  |  |  |  |  |  |  |  | Not Required |  | XX | XX | XX | 1 | 1957 | 1526 | 3 | 1 | C4 | XX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025060412 | XX | XX | XX | XX | XX | XX | XX | XX | Bank Statement | Yes | No | $0.00 | $1765.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 9.385 |  | 0 | 0.75 | $1762.13 |  |  |  | Yes | $93900.00 |  | YES | $47.08 | $232.20 | $118.50 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 29 | 2 | US Citizen |  | 712 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Primary | Primary | XX | XX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XX | XX | XX | 1 | 2013 | 1345 | 3 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | TRUE | 18 |  |
| 12025060431 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $1480.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1480 | 1.04 | $1417.26 |  |  |  | Yes | $18000.00 |  | NO | $0.00 | $199.13 | $93.90 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 66 | 2 | US Citizen |  | 785 | 0 | 0 |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 756 | 786 | 785 |  |  |  |  |  |  |  |  | Not Required |  | XX | XX | XX | 1 | 1965 | 1859 | 4 | 2 | C4 | XX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | FALSE |  |  |
| 12025060503 | XX | XX | XX |  | XX | XX | XX | XX | DSCR+Asset Depletion | Yes | No | $0.00 | $2100.00 | FNMA 1007/216 | Other | No |  | 0 |  |  | 3799.69 | 1.57 | $2426.13 |  |  |  | No |  |  | NO | $0.00 | $231.53 | $120.08 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 41 | 7 | US Citizen |  | 742 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Primary | Primary | XX | XX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XX |  | XX | 1 | 1929 | 1781 | 4 | 1.1 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | TRUE | 18 |  |
| 12025060625 | XX | XX | XX | XX | XX | XX | XX | XX | Full | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 32.532 |  | 0 | 0 | $2591.29 |  |  |  | Yes | $35000.00 |  | YES | $222.00 | $269.92 | $78.42 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 4 | 4 | Permanent Resident Alien |  | 680 | 0 | 0 |  |  |  |  |  |  |  |  |  | XX | Primary | Primary | XX | XX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XX | XX | XX | 1 | 2025 | 1497 | 3 | 2.1 | C1 | XX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | TRUE | 18 |  |
| 12025060632 | XX | XX | XX |  | XX | XX | XX | XX | DSCR+Asset Depletion | Yes | No | $0.00 | $5733.33 | Other | FNMA 1007/216 | No |  | 0 |  |  | 5733.33 | 0.97 | $5881.86 |  |  |  | No |  |  | YES | $683.00 | $812.50 | $94.25 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 29 | 2.8 | Permanent Resident Alien |  | 736 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Primary | Primary | XX | XX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XX | XX | XX | 1 | 1991 | 1430 | 2 | 2.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | TRUE | 18 |  |
| 12025060768 | XX | XX | XX | XX | XX | XX | XX | XX | P&L | Yes | No | $0.00 | $7600.00 |  |  | No |  | 0 | 11.063 |  | 0 | 0.61 | $12276.18 |  |  |  | Yes | $92863.00 |  | NO | $0.00 | $1545.24 | $2080.75 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 10 | 2.7 | US Citizen |  | 734 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 734 | 765 | 726 |  |  |  |  |  |  |  |  | Employed |  | XX |  | XX | 4 | 1962 | 3329 | 5 | 5 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025060792 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $3075.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3075 | 1.07 | $2880.40 |  |  |  | Yes | $36500.00 |  | NO | $0.00 | $458.71 | $145.40 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 24 | 6 | US Citizen |  | 760 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 745 | 767 | 760 |  |  |  |  |  |  |  |  | Not Required |  | XX | XX | XX | 1 | 1982 | 1436 | 4 | 1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025061193 | XX | XX | XX | XX | XX | XX | XX | XX | P&L | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 12.743 |  | 0 | 0.93 | $2128.15 |  |  |  | Yes | $23500.00 |  | NO | $0.00 | $395.00 | $145.58 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 16 | 5 | Permanent Resident Alien |  | 742 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | Permanent Resident Alien | Stated, Verified | 742 | 726 | 744 |  |  |  |  |  |  |  |  | Employed |  | XX | XX | XX | 1 | 1957 | 1133 | 2 | 3 | C3 | XX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |
| 12025062098 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $1900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1900 | 1.24 | $1535.10 |  |  |  | Yes | $25000.00 |  | NO | $0.00 | $257.47 | $30.75 | Stated, Verified | NO | 1 | 2 |  | Yes | No | Experienced | 6 | 3 | Non Permanent Resident Alien |  | 781 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | Non Permanent Resident Alien | Stated, Verified | 751 | 794 | 781 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 1 | 1996 | 1374 | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | FALSE |  | XX |
| 400093763 | XX | XX | XX |  | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2500 | 1 | $2499.47 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $277.76 | $57.84 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 4 | 4.9 | US Citizen |  | 794 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Primary | Primary | XX | XX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XX | XX | XX | 1 | 1962 | 1049 | 3 | 1.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  | ![](ex99-3sch4_001.jpg) | ![](ex99-3sch4_001.jpg) | ![](ex99-3sch4_001.jpg) | ![](ex99-3sch4_001.jpg) | ![](ex99-3sch4_001.jpg) | ![](ex99-3sch4_001.jpg) | ![](ex99-3sch4_001.jpg) |
|  | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** |
|  | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** |
| ASF Loan Number | **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 400093763 | XX | XX | XX | Original CLTV |  | 0.737250 | Verified with loan amount $XX/Purchase price $XX |
| 400093763 | XX | XX | XX | DSCR |  | 1.000 | Verified with rent $2500/PITI $2499.47 |
| 400093763 | XX | XX | XX | Doc Type |  | Debt Service Coverage | Verified with lock confirmation |
| 400093763 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 400093763 | XX | XX | XX | Occupancy | Primary Residence | Investment | Verified w/ approval |
| 400093763 | XX | XX | XX | Property City | XX | XX | Verified w/ deed & appraisal |
| 12025011645 | XX | XX | XX | Doc Type | Alternative Doc | Asset Utilization | Verified by rate lock |
| 12025011645 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025011645 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025011645 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025011645 | XX | XX | XX | PITI | 2154.09 | 1637.09 | PITI 1637.09 + HOA 517.00 = 2154.09 |
| 12025011645 | XX | XX | XX | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| 12025011645 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025011645 | XX | XX | XX | Qualifying DTI | 44.23100 | 0.44231 | Same |
| 12025011645 | XX | XX | XX | Self-Employment Flag | N | Y | Stated employment - not verified |
| 12025021662 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025021662 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025021662 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025021662 | XX | XX | XX | Prepayment Penalty Type |  | Hard | Verified w/ note |
| 12025021662 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | Same |
| 12025021662 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025030137 | XX | XX | XX | Doc Type | Alternative Doc | Bank Statement | Verified with income documentation and approval. |
| 12025030137 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025030137 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025030137 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025030137 | XX | XX | XX | PITI | 3733.14 | 3724.81 | Bid Tape includes an HOA fee and Audited did not include the HOA fee here |
| 12025030137 | XX | XX | XX | Product Code | CACTTX6 30 YR FIXED | CACTTX6 | same |
| 12025030137 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025030137 | XX | XX | XX | Qualifying DTI | 7.34500 | 0.07345 | same |
| 12025030998 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025030998 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025030998 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025030998 | XX | XX | XX | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| 12025030998 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025030998 | XX | XX | XX | Qualifying DTI | 49.82100 | 0.49821 | Within tolerance |
| 12025031902 | XX | XX | XX | Qualifying Credit Score | 812 | 736 | the higher mid score used to qualify |
| 12025031902 | XX | XX | XX | Doc Type | Alternative Doc | Bank Statement | 12 - month Business bank statement loan |
| 12025031902 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025031902 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025031902 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025031902 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025031902 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025031902 | XX | XX | XX | Qualifying DTI | 37.01800 | 0.38067 | Inclusion of Flood ins in DTI $410.25 |
| 12025032273 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025032273 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025032273 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025032273 | XX | XX | XX | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| 12025032273 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025032273 | XX | XX | XX | Qualifying DTI | 39.08500 | 0.39085 | Same |
| 12025040201 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025040201 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025040201 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025040201 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025040201 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | Same |
| 12025040201 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025040526 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025040526 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025040526 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025040526 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025040526 | XX | XX | XX | Property Zip | XX | XX | verified |
| 12025040526 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025040730 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025040730 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025040730 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025040730 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025040730 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | same |
| 12025040730 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025040813 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025040813 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025040813 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025040813 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025040813 | XX | XX | XX | Property Type | Single Family | Two Family | Two units verified on appraisal |
| 12025040813 | XX | XX | XX | Property Zip | XX | XX | verified |
| 12025040813 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025041152 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025041152 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025041152 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025041152 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025041152 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 3 YR PPP | BPACC30YF3YPP | Same |
| 12025041152 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025041159 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025041159 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025041159 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025041159 | XX | XX | XX | Prepayment Penalty Type |  | Hard | Verified w/ note |
| 12025041159 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 3 YR PPP | BPACC30YF3YPP | Same |
| 12025041159 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025041225 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025041225 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025041225 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025041225 | XX | XX | XX | PITI | 4026.91 | 4010.24 | PITI payment, HOA not included |
| 12025041225 | XX | XX | XX | Product Code | CACT 30 YR FIXED | CACT30YF | same |
| 12025041225 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025041225 | XX | XX | XX | Qualifying DTI | 36.20100 | 0.36201 | same |
| 12025041225 | XX | XX | XX | Self-Employment Flag | N | Y | verified, CPA letter |
| 12025041272 | XX | XX | XX | Doc Type | Alternative Doc | Bank Statement | verified, loan approval |
| 12025041272 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025041272 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025041272 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025041272 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025041272 | XX | XX | XX | Product Code | BPACCINC 30 YR FIXED 5 YEAR PPP STEP DN | BPACCINC30Y5YPPSD | same |
| 12025041272 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025041272 | XX | XX | XX | Qualifying DTI | 20.06100 | 0.22139 | verified, bank statements |
| 12025041535 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025041535 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025041535 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 1 YR PPP | BPACC30YF1YPP | Same |
| 12025041535 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025041546 | XX | XX | XX | Doc Type | Alternative Doc | Full | 2 years tax returns plus P&L |
| 12025041546 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025041546 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025041546 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025041546 | XX | XX | XX | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| 12025041546 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025041546 | XX | XX | XX | Qualifying DTI | 46.17000 | 0.46170 | Same |
| 12025041644 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025041644 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025041644 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025041644 | XX | XX | XX | Prepayment Penalty Type |  | Hard | Verified w/ note |
| 12025041644 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | Same |
| 12025041644 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025041667 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025041667 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025041667 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025041667 | XX | XX | XX | Prepayment Penalty Type |  | Hard | Verified w/ note |
| 12025041667 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 3 YR PPP | BPACC30YF3YPP | Same |
| 12025041667 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025041811 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025041811 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025041811 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025041811 | XX | XX | XX | Prepayment Penalty Type |  | Hard | Verified w/ note |
| 12025041811 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 5 YR PPP | BPACC30Y5YPP | Same |
| 12025041811 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025042242 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025042242 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025042242 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025042242 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025042242 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | Same |
| 12025042242 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025042504 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025042504 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025042504 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025042504 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025042504 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025042505 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025042505 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025042505 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025042505 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025042505 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025042507 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025042507 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025042507 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025042507 | XX | XX | XX | Prepayment Penalty Type |  | Hard | Verified w/ note |
| 12025042507 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025042509 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025042509 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025042509 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025042509 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025042509 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | Same |
| 12025042509 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025042524 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025042524 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025042524 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025042524 | XX | XX | XX | PITI | 2210.53 | 2125.95 | Verified PITI only |
| 12025042524 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025042524 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | Same |
| 12025042524 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025042604 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025042604 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025042604 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025042604 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025042604 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | same |
| 12025042604 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025042628 | XX | XX | XX | Doc Type | Alternative Doc | P&L | verified, loan approval, P&L |
| 12025042628 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025042628 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025042628 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025042628 | XX | XX | XX | PITI | 11018.48 | 10803.48 | PITI pmt, HOA not incl |
| 12025042628 | XX | XX | XX | Product Code | CACT 30 YR FIXED | CACT30YF | same |
| 12025042628 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025042628 | XX | XX | XX | Qualifying DTI | 42.61400 | 0.42614 | same |
| 12025042684 | XX | XX | XX | Doc Type | Alternative Doc | P&L | 12-month P&L loan |
| 12025042684 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025042684 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025042684 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025042684 | XX | XX | XX | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| 12025042684 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025042684 | XX | XX | XX | Qualifying DTI | 48.77400 | 0.48774 | Same |
| 12025042771 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025042771 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025042771 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025042771 | XX | XX | XX | Prepayment Penalty Type |  | Hard | Verified w/ note |
| 12025042771 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 3 YR PPP | BPACC30YF3YPP | Same |
| 12025042771 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025050112 | XX | XX | XX | Qualifying Credit Score | 789 | 750 | Verified with credit report |
| 12025050112 | XX | XX | XX | DSCR | 0.560 |  | verified |
| 12025050112 | XX | XX | XX | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval |
| 12025050112 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025050112 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025050112 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025050112 | XX | XX | XX | PITI | 7338.88 | 7193.88 | Verified with first payment letter |
| 12025050112 | XX | XX | XX | Prepayment Penalty Type |  | Hard | Verified w/ note |
| 12025050112 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025050190 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025050190 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025050190 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | Same |
| 12025050190 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025050218 | XX | XX | XX | DSCR | 0.320 |  | verified |
| 12025050218 | XX | XX | XX | Doc Type | Alternative Doc | Bank Statement | 12-month Business Bank Statement loan |
| 12025050218 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025050218 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025050218 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025050218 | XX | XX | XX | Prepayment Penalty Type |  | Hard | Verified w/ note |
| 12025050218 | XX | XX | XX | Product Code | BPACCINC 30 YR FIXED 3 YEAR PPP STEP DN | BPACCINC30Y3YPPSD | Same |
| 12025050218 | XX | XX | XX | Property Zip | XX | XX | Verified w/ note |
| 12025050218 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025050218 | XX | XX | XX | Qualifying DTI | 26.43300 | 0.27714 | Matches loan approval. |
| 12025050380 | XX | XX | XX | DSCR | 1.130 | 1.330 | Mkt rent$2300 vs actual lease rent $2200 per form 216 |
| 12025050380 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025050380 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025050380 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025050380 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025050380 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | Same |
| 12025050380 | XX | XX | XX | Property Zip | XX | XX | verified |
| 12025050380 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025050433 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025050433 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025050433 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025050433 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025050433 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 2 YR PPP STEP DN | BPACC30YF2YPPSD | Verified data is the same. Audit data reflects abbreviated version. |
| 12025050433 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025050466 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025050466 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025050466 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025050466 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025050466 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025050477 | XX | XX | XX | Appraised Value | XX | XX | verified |
| 12025050477 | XX | XX | XX | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval |
| 12025050477 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025050477 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025050477 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025050477 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025050491 | XX | XX | XX | Doc Type | Alternative Doc | Bank Statement | Verified 12 months bank statements |
| 12025050491 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025050491 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025050491 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025050491 | XX | XX | XX | PITI | 3934.76 | 3907.68 | Audited Data does not include HOA $27.08/month |
| 12025050491 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025050528 | XX | XX | XX | DSCR | 1.440 | 1.040 | DSCR ratio verified at 1.040 |
| 12025050528 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025050528 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025050528 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025050528 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025050528 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 2 YR PPP | BPACC30Y2YPP | same |
| 12025050528 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025050545 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025050545 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025050545 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025050545 | XX | XX | XX | Prepayment Penalty Type |  | Hard | Verified w/ note |
| 12025050545 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | Bid tape and Audit Data the Same. Audit Data reflects abbreviated version. |
| 12025050545 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025050571 | XX | XX | XX | Doc Type | Alternative Doc | P&L | verified |
| 12025050571 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025050571 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025050571 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025050571 | XX | XX | XX | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| 12025050571 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025050571 | XX | XX | XX | Qualifying DTI | 37.88500 | 0.37885 | Same |
| 12025050603 | XX | XX | XX | DSCR | 1.420 | 1.020 | Verified by final docs |
| 12025050603 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025050603 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025050603 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025050603 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025050603 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | Same |
| 12025050603 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025050632 | XX | XX | XX | Doc Type | Alternative Doc | Bank Statement | Verified with Loan Approval and Lock Confirmation |
| 12025050632 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025050632 | XX | XX | XX | PITI | 7472.50 | 7252.50 | Audit Data reflects PITI; bid tape includes HOA Dues of $220 |
| 12025050632 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025050632 | XX | XX | XX | Qualifying DTI | 9.00800 | 0.09008 | Same |
| 12025050698 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025050698 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025050698 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025050698 | XX | XX | XX | Prepayment Penalty Type |  | Hard | Verified w/ note |
| 12025050698 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | Same |
| 12025050698 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025050710 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025050710 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025050710 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025050710 | XX | XX | XX | PITI | 7368.38 | 7301.38 | Less HOA fee |
| 12025050710 | XX | XX | XX | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| 12025050710 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025050710 | XX | XX | XX | Qualifying DTI | 46.86200 | 0.48174 | Verified with total debt $9490.13/Total income $19699.68 |
| 12025050794 | XX | XX | XX | Doc Type | Alternative Doc | P&L | Verified with income documentation. |
| 12025050794 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025050794 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025050794 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025050794 | XX | XX | XX | PITI | 4404.77 | 3876.77 | Bid tape value includes HOA Dues; Audit is reflective of PITI only. |
| 12025050794 | XX | XX | XX | Product Code | CACT 30 YR FIXED | CACT30YF | Verified Same. |
| 12025050794 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025050794 | XX | XX | XX | Qualifying DTI | 32.40900 | 0.32868 | Verified with Profit and Loss Stmt and Credit. Audit value includes 1% of balance for student loan payment. |
| 12025050879 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025050879 | XX | XX | XX | Maturity Date | XX | XX | veified |
| 12025050879 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025050879 | XX | XX | XX | PITI | 1699.65 | 1699.66 | Audit data and Bid tape same. Variance due to rounding. |
| 12025050879 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025050879 | XX | XX | XX | Product Code | BPACC 30 YR FIXED NO PPP | BPACC30Y | Same. |
| 12025050879 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025050903 | XX | XX | XX | Doc Type | Alternative Doc | Bank Statement | Verified with Loan Approval and Bank Statements |
| 12025050903 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025050903 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025050903 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025050903 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025050903 | XX | XX | XX | Qualifying DTI | 12.20700 | 0.12100 | Verified Total Monthly Debts $11,219.81 / Income $92,726.41 = 12.10% |
| 12025051025 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025051025 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025051025 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025051025 | XX | XX | XX | Prepayment Penalty Type |  | Hard | Verified w/ note |
| 12025051025 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | same |
| 12025051025 | XX | XX | XX | Property Type | Single Family | Townhouse | Verified with appraisal |
| 12025051025 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025051338 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025051338 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025051338 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025051338 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025051338 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025051441 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025051441 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025051441 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025051441 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025051441 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025051523 | XX | XX | XX | Doc Type | Alternative Doc | Bank Statement | 12-month bank statement loan |
| 12025051523 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025051523 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025051523 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025051523 | XX | XX | XX | PITI | 3878.04 | 3628.04 | Audited data missing HOA $250 |
| 12025051523 | XX | XX | XX | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| 12025051523 | XX | XX | XX | Property Type | PUD-Detached | PUD-Attached | Verified with Appraisal; subject is a townhome |
| 12025051523 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025051523 | XX | XX | XX | Qualifying DTI | 22.71300 | 0.22713 | Same |
| 12025051533 | XX | XX | XX | DSCR | 1.000 | 1.090 | With-in tolerance |
| 12025051533 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025051533 | XX | XX | XX | PITI | 2290.60 | 2245.60 | $45 HOA not included |
| 12025051533 | XX | XX | XX | Product Code | BPACC 30 YR FIXED NO PPP | BPACC30Y | Same |
| 12025051533 | XX | XX | XX | Property Type | PUD-Detached | Townhouse | Appraisal dated 05/XX/25 states attached |
| 12025051533 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025051558 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025051558 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025051558 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025051558 | XX | XX | XX | PITI | 3441.56 | 2790.56 | Less HOA |
| 12025051558 | XX | XX | XX | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| 12025051558 | XX | XX | XX | Property Type | Non-Warrantable Condo | Condo-Lo 1-4 Stories | Verified with appraisal |
| 12025051558 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025051558 | XX | XX | XX | Qualifying DTI | 22.24800 | 0.24351 | Verified with total debt $6006.73/Total income $24667.09 |
| 12025051570 | XX | XX | XX | Doc Type | Alternative Doc | P&L | Verified by rate lock as P&L |
| 12025051570 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025051570 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025051570 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025051570 | XX | XX | XX | PITI | 5100.09 | 5050.51 | PITI 5050.51 + HOA 49.58 = 5100.09 |
| 12025051570 | XX | XX | XX | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| 12025051570 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025051570 | XX | XX | XX | Qualifying DTI | 37.15300 | 0.37153 | Same |
| 12025051575 | XX | XX | XX | Doc Type | Alternative Doc | P&L | Verified with loan approval |
| 12025051575 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025051575 | XX | XX | XX | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| 12025051575 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025051575 | XX | XX | XX | Qualifying DTI | 28.39900 | 0.28399 | Same |
| 12025051679 | XX | XX | XX | Appraised Value | XX | XX | Verified with appraisal |
| 12025051679 | XX | XX | XX | Original CLTV | 0.585000 | 0.650000 | Verified with loan approval |
| 12025051679 | XX | XX | XX | Doc Type | Alternative Doc | P&L | Verified with loan approval |
| 12025051679 | XX | XX | XX | Original LTV | 0.585000 | 0.650000 | Verified with loan approval |
| 12025051679 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025051679 | XX | XX | XX | PITI | 2773.28 | 2689.28 | Verified PITI only |
| 12025051679 | XX | XX | XX | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| 12025051679 | XX | XX | XX | Property Type | Single Family | PUD-Detached | Verified with appraisal |
| 12025051679 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025051679 | XX | XX | XX | Qualifying DTI | 35.30500 | 0.43037 | Verified DTI greater than 3% due to REO payments were not included in DTI calculation |
| 12025051694 | XX | XX | XX | DSCR | 1.250 | 1.370 | Market rents $2400.00/$1752.51=1.37% |
| 12025051694 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025051694 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025051694 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025051694 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025051694 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | Same |
| 12025051694 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025051708 | XX | XX | XX | Doc Type | Alternative Doc | Bank Statement | 12-month personal Bank statement loan |
| 12025051708 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025051708 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025051708 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025051708 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025051708 | XX | XX | XX | Qualifying DTI | 34.88800 | 0.34935 | same within tolerance. |
| 12025051737 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025051737 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025051737 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | Same |
| 12025051737 | XX | XX | XX | Property Zip | XX | XX | verified |
| 12025051737 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025051780 | XX | XX | XX | Original Amortization Term | 360 | 240 | Verified w/ note |
| 12025051780 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025051780 | XX | XX | XX | Prepayment Penalty Type |  | Hard | Verified w/ note |
| 12025051780 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025051829 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025051829 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025051829 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025051829 | XX | XX | XX | Property Zip | XX | XX | Verified w/ note |
| 12025051829 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025051830 | XX | XX | XX | Doc Type | Alternative Doc | Bank Statement | Verified with Loan Approval. |
| 12025051830 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025051830 | XX | XX | XX | Product Code | CACT 30 YR FIXED | CACT30YF | Verified with Loan Approval. |
| 12025051830 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025051830 | XX | XX | XX | Qualifying DTI | 26.44500 | 0.26445 | Verified with bank statements and credit report; bid tape includes self reported utilities |
| 12025051843 | XX | XX | XX | Doc Type | Alternative Doc | P&L | P&L income qualification |
| 12025051843 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025051843 | XX | XX | XX | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| 12025051843 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025051843 | XX | XX | XX | Qualifying DTI | 34.02400 | 0.34024 | Same |
| 12025051908 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025051908 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025051908 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025051908 | XX | XX | XX | Prepayment Penalty Type |  | Hard | Verified w/ note |
| 12025051908 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 5 YR PPP | BPACC30Y5YPP | Same |
| 12025051908 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025051938 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025051938 | XX | XX | XX | Product Code | CACT 30 YR FIXED | CACT30YF | same |
| 12025051938 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025051938 | XX | XX | XX | Qualifying DTI | 44.58300 | 0.44583 | same |
| 12025051938 | XX | XX | XX | Self-Employment Flag | N | Y | verified with income documentation in file B2 SE |
| 12025051991 | XX | XX | XX | Doc Type | Alternative Doc | P&L | Verified with approval |
| 12025051991 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025051991 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025051991 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025051991 | XX | XX | XX | PITI | 2277.54 | 2127.54 | Verified PITI only |
| 12025051991 | XX | XX | XX | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| 12025051991 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025051991 | XX | XX | XX | Qualifying DTI | 33.12300 | 0.33123 | Same |
| 12025052062 | XX | XX | XX | DSCR | 0.360 |  | Verified with Loan Approval not a DSCR loan |
| 12025052062 | XX | XX | XX | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval |
| 12025052062 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025052062 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025052062 | XX | XX | XX | Qualifying DTI | 35.54500 | 0.35545 | Same |
| 12025052163 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025052163 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025052163 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025052163 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025052163 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025052166 | XX | XX | XX | Doc Type | Alternative Doc | Bank Statement | verified with loan approval |
| 12025052166 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025052166 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025052166 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025052166 | XX | XX | XX | PITI | 2597.53 | 2579.19 | verified with first payment letter |
| 12025052166 | XX | XX | XX | Product Code | CACT 30 YR FIXED | CACT30YF | same |
| 12025052166 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025052166 | XX | XX | XX | Qualifying DTI | 49.48000 | 0.49480 | same |
| 12025052169 | XX | XX | XX | Doc Type | Debt Service Coverage | DSCR+Asset Depletion | Verified with Rate Lock Confirmation |
| 12025052169 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025052169 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025052169 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025052169 | XX | XX | XX | Product Code | BPACC 30 YR FIXED NO PPP | BPACC30Y | same |
| 12025052169 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025052191 | XX | XX | XX | Doc Type | Alternative Doc | Bank Statement | Verified with Bank Statements. |
| 12025052191 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025052191 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025052191 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025052191 | XX | XX | XX | PITI | 2549.59 | 2249.59 | Verifed. Audit Data does not include the HOA Dues of $300 monthly. |
| 12025052191 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025052195 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025052195 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025052195 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025052195 | XX | XX | XX | Prepayment Penalty Type |  | Hard | Verified w/ note |
| 12025052195 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | Same |
| 12025052195 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025052206 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025052206 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025052206 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025052206 | XX | XX | XX | PITI | 1543.35 | 1543.44 | PITI verified |
| 12025052206 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025052206 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025052265 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025052265 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025052265 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025052265 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025052265 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | same |
| 12025052265 | XX | XX | XX | Property Zip | XX | XX | verified |
| 12025052265 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025052304 | XX | XX | XX | Doc Type | Alternative Doc | P&L | verified |
| 12025052304 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025052304 | XX | XX | XX | PITI | 2466.00 | 2411.50 | Verified PITI only |
| 12025052304 | XX | XX | XX | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| 12025052304 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025052304 | XX | XX | XX | Qualifying DTI | 43.86000 | 0.43860 | Same |
| 12025052398 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025052398 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025052398 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025052398 | XX | XX | XX | PITI | 4840.96 | 4785.96 | verified with first payment letter. Audit Data does not include HOA Dues of $55 |
| 12025052398 | XX | XX | XX | Prepayment Penalty Type |  | Hard | Verified w/ note |
| 12025052398 | XX | XX | XX | Product Code | BPACCINC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | same |
| 12025052398 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025052398 | XX | XX | XX | Qualifying DTI | 15.92800 | 0.15928 | same |
| 12025052452 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025052452 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025052452 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025052452 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025052452 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | Same |
| 12025052452 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025052639 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025052639 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025052639 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025052639 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025052639 | XX | XX | XX | Property Zip | XX | XX | verified |
| 12025052639 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025052697 | XX | XX | XX | Appraised Value | XX | XX | Verified with appraisal |
| 12025052697 | XX | XX | XX | Original CLTV | 0.650000 | 0.624338 | Verified with appraisal and Loan amount |
| 12025052697 | XX | XX | XX | Doc Type | Alternative Doc | P&L | Verified with loan approval |
| 12025052697 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025052697 | XX | XX | XX | Original LTV | 0.650000 | 0.624338 | Verified with appraisal and Loan amount |
| 12025052697 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025052697 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025052697 | XX | XX | XX | PITI | 10124.92 | 9884.92 | Verified PITI only |
| 12025052697 | XX | XX | XX | Product Code | BPACCINC 30 YR FIXED NO PPP | BPACCINC30YF | Same |
| 12025052697 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025052697 | XX | XX | XX | Qualifying DTI | 34.41100 | 0.34411 | Same |
| 12025060063 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025060063 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025060063 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | Same |
| 12025060063 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025060154 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025060154 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025060154 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025060154 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025060154 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025060198 | XX | XX | XX | Appraised Value | XX | XX | Verified with Appraisal. Bid Tape reflects Sales Price. |
| 12025060198 | XX | XX | XX | DSCR | 1.170 | 1.140 | Verified PITI $1491.51 / Market Rents $1700. Variance due to taxes. |
| 12025060198 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025060198 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025060198 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025060198 | XX | XX | XX | PITI | 1446.46 | 1491.50 | Verified with Note, Insurance and Tax Certification. Bid Tape does not include the additional city taxes $540.40 |
| 12025060198 | XX | XX | XX | Prepayment Penalty Type |  | Hard | Verified w/ note |
| 12025060198 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | Same |
| 12025060198 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025060317 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025060317 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025060317 | XX | XX | XX | Property Zip | XX | XX | verified |
| 12025060317 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025060388 | XX | XX | XX | Doc Type | Debt Service Coverage | DSCR+Asset Depletion | Verified with loan approval |
| 12025060388 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025060388 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025060388 | XX | XX | XX | Product Code | BPACC 30 YR FIXED NO PPP | BPACC30Y | Same |
| 12025060388 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025060395 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025060395 | XX | XX | XX | Prepayment Penalty Type |  | Hard | Verified w/ note |
| 12025060395 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025060412 | XX | XX | XX | Doc Type | Alternative Doc | Bank Statement | Verified with Loan Approval, Lock Confirmation and Bank Statements. |
| 12025060412 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025060412 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025060412 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025060412 | XX | XX | XX | PITI | 1762.13 | 1715.05 | Verified audit data is PITI. Bid tape reflects PITIA. |
| 12025060412 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025060412 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025060412 | XX | XX | XX | Qualifying DTI | 9.38200 | 0.09385 | Total Monthly Debts $3468.73 / Total Income $36,958.64 |
| 12025060431 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 12025060431 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 12025060431 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025060431 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025060431 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 5 YR PPP | BPACC30Y5YPP | Same |
| 12025060431 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025060503 | XX | XX | XX | Doc Type | Debt Service Coverage | DSCR+Asset Depletion | Verified with loan approval |
| 12025060503 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025060503 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025060503 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025060503 | XX | XX | XX | Product Code | BPACC 30 YR FIXED NO PPP | BPACC30Y | Same |
| 12025060503 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025060625 | XX | XX | XX | DSCR | 0.720 |  | not a DSCR loan |
| 12025060625 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025060625 | XX | XX | XX | PITI | 2591.29 | 2369.29 | verified with first payment letter |
| 12025060625 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025060625 | XX | XX | XX | Product Code | BPACCINC 30 YR FIXED 3 YEAR PPP STEP DN | BPACCINC30Y3YPPSD | same |
| 12025060625 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025060625 | XX | XX | XX | Qualifying DTI | 32.53200 | 0.32532 | same |
| 12025060632 | XX | XX | XX | DSCR | 1.070 | 0.970 | verified at .61 |
| 12025060632 | XX | XX | XX | Doc Type | Debt Service Coverage | DSCR+Asset Depletion | verified |
| 12025060632 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025060632 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025060632 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025060632 | XX | XX | XX | PITI | 5881.86 | 5198.86 | PITI verified at $5881.86 (includes HOA) |
| 12025060632 | XX | XX | XX | Product Code | BPACC 30 YR FIXED NO PPP | BPACC30Y | same |
| 12025060632 | XX | XX | XX | Property Type | Condo-Lo 1-4 Stories | Condo-Mid 5-8 Stories | verified as mid-rise |
| 12025060632 | XX | XX | XX | QM Status |  | Exempt | Business Purpose Product |
| 12025060695 | XX | XX | XX | Doc Type | Alternative Doc | Bank Statement | verified |
| 12025060695 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025060695 | XX | XX | XX | PITI | 4738.13 | 3773.13 | PITI payment, HOA not incl |
| 12025060695 | XX | XX | XX | Product Code | CACT 30 YR FIXED | CACT30YF | same |
| 12025060695 | XX | XX | XX | Property Type | Condo-Lo 1-4 Stories | Condo-Hi >8 Stories | verified, appraisal |
| 12025060695 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025060695 | XX | XX | XX | Qualifying DTI | 29.94800 | 0.29948 | same |
| 12025060768 | XX | XX | XX | Doc Type | Alternative Doc | P&L | Same |
| 12025060768 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 12025060768 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 12025060768 | XX | XX | XX | Note Date | XX | XX | Verified w/ note |
| 12025060768 | XX | XX | XX | Prepayment Penalty Type |  | Hard | Verified w/ note |
| 12025060768 | XX | XX | XX | Product Code | BPACCINC 30 YR FIXED 1 YR PPP | BPACCINC30Y1YPP | Same |
| 12025060768 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 12025060768 | XX | XX | XX | Qualifying DTI | 11.06300 | 0.11063 | Same |
| 12025060792 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025060792 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025060792 | XX | XX | XX | Product Code | BPACC 30 YR FIXED 1 YR PPP | BPACC30YF1YPP | same |
| 12025060792 | XX | XX | XX | Property Zip | XX | XX | verified |
| 12025060792 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025060832 | XX | XX | XX | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval |
| 12025060832 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025060832 | XX | XX | XX | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| 12025060832 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025060832 | XX | XX | XX | Qualifying DTI | 44.20100 | 0.44201 | Same |
| 12025060832 | XX | XX | XX | Self-Employment Flag | N | Y | Verified with CPA letter |
| 12025060833 | XX | XX | XX | Doc Type | Alternative Doc | Bank Statement | Verified with Lock Confirmation |
| 12025060833 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025060833 | XX | XX | XX | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| 12025060833 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025060833 | XX | XX | XX | Qualifying DTI | 48.95000 | 0.48872 | Total Debts $16,286.84 / Income $33,325.72 |
| 12025061004 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025061004 | XX | XX | XX | PITI | 9209.52 | 8488.52 | Verified PITI only |
| 12025061004 | XX | XX | XX | Product Code | CFNINC 30 YR FIXED | CFNINC30YF | Same |
| 12025061004 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025061004 | XX | XX | XX | Qualifying DTI | 42.79700 | 0.42797 | Same |
| 12025061137 | XX | XX | XX | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval |
| 12025061137 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025061137 | XX | XX | XX | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| 12025061137 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025061137 | XX | XX | XX | Qualifying DTI | 44.98700 | 0.44987 | Same |
| 12025061193 | XX | XX | XX | Doc Type | Alternative Doc | P&L | Verified with Loan Approval and Income Doc |
| 12025061193 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025061193 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025061193 | XX | XX | XX | QM Status |  | Exempt | verified |
| 12025061193 | XX | XX | XX | Qualifying DTI | 9.62300 | 0.12743 | Verified Total Monthly Debts $3,927.97 / Total Income $30,824.64 |
| 12025062098 | XX | XX | XX | Original Amortization Term | 360 | 240 | verified |
| 12025062098 | XX | XX | XX | Note Date | XX | XX | verified |
| 12025062098 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 12025062098 | XX | XX | XX | Product Code | BPACC 30 YR FIXED IO 1 YR PPP | BPACC30YFIO1YPP | Same |
| 12025062098 | XX | XX | XX | QM Status |  | Exempt | verified |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) | ![](ex99-3sch5_001.jpg) |
|  | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** |
|  | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** |
| ASF Loan Number | **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Overall Initial Loan Grade** | **Overall Final Loan Grade** | **Credit Initial Loan Grade** | **Credit Final Loan Grade** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Property Initial Loan Grade** | **Property Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 400093763 | XX | XX | XX | 7122148 | 330 | 12/10/2024 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan approval missing from file. | received final approval |  |  | 12/10/2024 |  |  | A | 1 | 11/XX/2024 | GA | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025021662 | XX | XX | XX | 7134853 | 272 | 03/24/2025 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Missing comments from the appraiser on whether the security bars on the windows of the subject property are equipped with safety release latches | Revised appraisers' comments: Since the subject includes at least 3 unobstructed exits, safety releases are not needed |  | Client 04/21/2025 05:19 PM; Do we have any options on this condition, can it be waived? Borrower is being non-responsive to our request to inspect the bars. <br>Reviewer 04/22/2025 10:48 AM; Since it may be a safety issue (fire hazard) need an addendum or a completed 1004D with a new appraiser, commenting on the bars. Thx <br>Client 05/06/2025 05:43 PM; If we cannot obtain clarification or if the bars do not have safety releases, are there any other options? <br>Client 05/06/2025 05:48 PM; Disregard my request submitted today, as I see from 4021 your response. Sorry about that. <br>Reviewer 05/07/2025 07:52 AM; <br>Reviewer 05/07/2025 07:53 AM; <br>Reviewer 05/07/2025 09:58 AM; Thank you!<br>Reviewer 05/07/2025 09:58 AM; Thank you!<br>| 05/19/2025 |  |  | A | 1 | 03/XX/2025 | DC | 3 | 1 | C | A | A | A | N/A | N/A | C | A |  | Exempt | 1 |
| 12025041152 | XX | XX | XX | 7142639 | 187 | 06/01/2025 | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Flood Cert is missing from file. | Document provided |  |  | 06/10/2025 |  |  | A | 1 | 05/XX/2025 | TX | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 12025041152 | XX | XX | XX | 7142640 | 201 | 06/01/2025 | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | The hazard policy is missing from file. | Document provided |  |  | 06/10/2025 |  |  | A | 1 | 05/XX/2025 | TX | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 12025041152 | XX | XX | XX | 7142794 | 851 | 06/03/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception approval required for a loan amount below the guidelines limit of $125,000. (Actual is $xx) |  | Approval granted for a loan amount below the guidelines limit of $125,000. (Actual is $1XX). Compensating factors are 1) Credit score is at least 40 points over the 700 minimum 2) DSCR is over 1.15 3) Reserves from the borrower's own funds are at least 4 months PITI. |  |  |  | 06/03/2025 | B | 2 | 05/XX/2025 | TX | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 12025041152 | XX | XX | XX | 7142796 | 330 | 06/03/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing Certificate of Good Standing for XX | Internet search provided |  | Client 06/10/2025 12:11 PM; Please see uploaded document dated prior to closing used in place of the cert of good standing as it reflects the same information. Thank you so much. <br>Reviewer 06/10/2025 01:47 PM; Condition has been reviewed. Thx<br>| 06/10/2025 |  |  | A | 1 | 05/XX/2025 | TX | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 12025041152 | XX | XX | XX | 7142797 | 330 | 06/03/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Personal Guaranty must reflect the correct loan amount. | The loan amount does not reflect on the Personal Guaranty. Just the subject address |  | Client 06/09/2025 06:24 PM; The loan amount does not reflect on the Personal Guaranty. Please advise if you can clear, thank you!<br>Reviewer 06/10/2025 08:03 AM; Condition has been reviewed. Thx<br>| 06/10/2025 |  |  | A | 1 | 05/XX/2025 | TX | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 12025041159 | XX | XX | XX | 7142769 | 330 | 06/03/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing Certificate of Good Standing for XX | Internet search provided |  | Client 06/10/2025 12:17 PM; Please accept document dated prior to closing used for cert of good standing as it reflects the same information. Thank you.<br>Reviewer 06/10/2025 03:21 PM; Condition has been reviewed. Thx<br>| 06/10/2025 |  |  | A | 1 | 05/XX/2025 | TX | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025042509 | XX | XX | XX | 7142881 | 72 | 06/04/2025 | Credit | Closing Package |  | Closing Package - |  | Final Closing Disclosure is missing from file. | Information provided |  |  | 06/11/2025 |  |  | A | 1 | 05/XX/2025 | NJ | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025042509 | XX | XX | XX | 7143026 | 1055 | 06/04/2025 | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The final CD is missing from the loan file. The credit review is on hold until documents are received. | Received |  |  | 06/11/2025 |  |  | A | 1 | 05/XX/2025 | NJ | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025042604 | XX | XX | XX | 7143526 | 851 | 06/11/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required for Borrower living rent free with someone other than a spouse. Borrower lives with daughter. |  | Exception approval received/ Comp Factors - 26 months reserves, fico 778 |  |  |  | 06/15/2025 | B | 2 | 05/XX/2025 | FL | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 12025051025 | XX | XX | XX | 7143516 | 350 | 06/11/2025 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | Max LTV 70% for loan program. Loan approved at 75% LTV. |  | Compensating Factors: Experienced investor with fraud guard report confirming 5+ years 19 experience; Borrower FICO (734) is 34 points above minimum (700) with no late payments ever; At least 3 tradelines > 5 years. |  |  |  | 06/11/2025 | B | 2 | 05/XX/2025 | NY | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 12025051025 | XX | XX | XX | 7143486 | 219 | 06/10/2025 | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | Please provide the final HUD-1 settlement statement. | Information provided |  |  | 07/01/2025 |  |  | A | 1 | 05/XX/2025 | NY | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 12025050710 | XX | XX | XX | 7143909 | 851 | 06/16/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Executed lease and verification of security deposit and first month's rent deposited into borrowers account required for use of rental income to offset payment. Exception approved to use 1007 only. |  | Compensating factors: 800 FICO/40 points above required. Reserves in excess of 4 months over required program. |  |  |  | 06/16/2025 | B | 2 | 06/XX/2025 | CA | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 12025050710 | XX | XX | XX | 7143921 | 330 | 06/16/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan approval missing from file. | Received approval |  |  | 06/18/2025 |  |  | A | 1 | 06/XX/2025 | CA | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 12025051558 | XX | XX | XX | 7143949 | 330 | 06/16/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Verification of taxes, insurance and HOA for xx missing from file. | HOI, Tax Record and 1008 provided |  | Client 07/02/2025 03:51 PM; Please find uploaded proof property not in any hoa, property tax info, updated 1008, hoi dec pg with premium reflected. Thanks so much. <br>Reviewer 07/02/2025 04:09 PM; Condition has been reviewed. Thx<br>| 07/02/2025 |  |  | A | 1 | 06/XX/2025 | FL | 2 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 12025051708 | XX | XX | XX | 7144027 | 851 | 06/17/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception request for a borrower who lives rent free with parents. |  | Comp Factors: 1. FICO 40+ points over the minimum required score for the LTV requested. 2. Residual income over $3000. \*\* Capital Markets allows Credit Risk to approve this exception without pricing implications. |  |  |  | 06/17/2025 | B | 2 | 06/XX/2025 | CA | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 12025041272 | XX | XX | XX | 7144011 | 330 | 06/17/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide a complete fraud report with all high and medium alerts addressed. | Received Fraud report and alerts summary cleared |  |  | 07/01/2025 |  |  | A | 1 | 06/XX/2025 | NJ | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025041272 | XX | XX | XX | 7144012 | 336 | 06/17/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | The lenders bank statement income calculation worksheet was missing from the loan file. | Received bank statements income worksheets |  |  | 07/08/2025 |  |  | A | 1 | 06/XX/2025 | NJ | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025040813 | XX | XX | XX | 7144119 | 1055 | 06/18/2025 | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The final settlement statement for the subject loan is missing from the loan file. The credit review is on hold until documents are received. | Documentation received |  |  | 06/20/2025 |  |  | A | 1 | 06/XX/2025 | NJ | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025040813 | XX | XX | XX | 7143774 | 72 | 06/13/2025 | Credit | Closing Package |  | Closing Package - |  | The Final Settlement Statement is missing from file. | Information provided |  |  | 06/23/2025 |  |  | A | 1 | 06/XX/2025 | NJ | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025050903 | XX | XX | XX | 7144255 | 336 | 06/20/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing documentation verifying the source of the following large deposits into the borrower's business checking account ending XX $105,175.37 on 7/XX/2024, $50,000 on 8/15/2024, and $68,517 on 8/26/2024. Per guidelines, deposits exceeding 50% of the month's beginning balance must be sourced or will be excluded. The deposits were not excluded from income calculation. | The initial income worksheet and additional income worksheet were provided showing the large deposits removed. Borrower has low DTI and still qualifies with reduced income |  | Client 06/26/2025 03:00 PM; I provided the initial income worksheet and additional income worksheet removing the large deposits. Bwr has low DTI and still qualifies with reduced income<br>Reviewer 06/26/2025 04:21 PM; Condition has been reviewed. Thx<br>| 06/26/2025 |  |  | A | 1 | 06/XX/2025 | WA | 1 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 12025050903 | XX | XX | XX | 7144256 | 1014 | 06/20/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | Missing the Bank Statement Income Calculation Worksheet Analysis for the borrower, xx. | The initial income worksheet and additional income worksheet were provided showing the large deposits removed. Borrower has low DTI and still qualifies with reduced income |  | Client 06/26/2025 03:00 PM; I provided the initial income worksheet and additional income worksheet removing the large deposits. Bwr has low DTI and still qualifies with reduced income <br>Reviewer 06/26/2025 04:21 PM; Condition has been reviewed. Thx<br>| 06/26/2025 |  |  | A | 1 | 06/XX/2025 | WA | 1 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 12025051694 | XX | XX | XX | 7144276 | 330 | 06/21/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Operating Agreement shows 3 members. Based on the XXborrower is a minority owner. Entity document authorizing the guarantor (borrower) to execute loan documents on behalf of the entity was not provided. | Received Authorization |  |  | 07/10/2025 |  |  | A | 1 | 06/XX/2025 | TX | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025050603 | XX | XX | XX | 7143995 | 72 | 06/17/2025 | Credit | Closing Package |  | Closing Package - |  | Final Closing Disclosure/Hud is missing from file. | Information provided |  |  | 06/26/2025 |  |  | A | 1 | 06/XX/2025 | NJ | 3 | 3 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025031902 | XX | XX | XX | 7144055 | 72 | 06/17/2025 | Credit | Closing Package |  | Closing Package - |  | The Final CD or Final Settlement is missing from file. | Information provided |  |  | 06/25/2025 |  |  | A | 1 | 06/XX/2025 | HI | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025031902 | XX | XX | XX | 7144375 | 1055 | 06/23/2025 | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The final CD is missing from the loan file. The credit review is on hold until documentaion is provided. | Documents provided |  |  | 06/25/2025 |  |  | A | 1 | 06/XX/2025 | HI | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025050433 | XX | XX | XX | 7144299 | 330 | 06/23/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The settlement statement provided is missing a date. Provide an updated settlement statement that is signed and dated by the borrower. | Stamped certified true copy; signature date is not required. |  | Reviewer 06/25/2025 09:13 PM; The signature date was missing on the document provided.<br>Client 06/26/2025 02:34 PM; stamped certified true copy; signature date is not required. <br>Reviewer 06/26/2025 02:52 PM; Condition has been reviewed Thx<br>| 06/26/2025 |  |  | A | 1 | 06/XX/2025 | NJ | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025050879 | XX | XX | XX | 7144344 | 998 | 06/23/2025 | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | The loan amount listed on the Title Commitment ($XX) does not match the loan amount stated on the Note ($XX). | Received revised title |  |  | 06/25/2025 |  |  | A | 1 | 06/XX/2025 | PA | 3 | 13 | D | A | D | A | N/A | N/A | C | A |  | Exempt | 1 |
| 12025050879 | XX | XX | XX | 7144345 | 1108 | 06/23/2025 | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Provide secondary valuation as CU score was not provided. | Received FNMA SSR= 2.1 |  |  | 06/25/2025 |  |  | A | 1 | 06/XX/2025 | PA | 3 | 13 | D | A | D | A | N/A | N/A | C | A |  | Exempt | 1 |
| 12025011645 | XX | XX | XX | 7144338 | 330 | 06/23/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing final signed 1003/application | Received signed 1003 |  |  | 07/01/2025 |  |  | A | 1 | 06/XX/2025 | SC | 2 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 12025011645 | XX | XX | XX | 7144339 | 336 | 06/23/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing Asset Utilization Worksheet confirming monthly income of $9,864.38 | Received Asset Utilization worksheet |  |  | 07/01/2025 |  |  | A | 1 | 06/XX/2025 | SC | 2 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 12025011645 | XX | XX | XX | 7144169 | 666 | 06/19/2025 | Compliance | Sales Contract |  | Sales Contract - Compliance \ Sales Contract missing |  | Please provide the sales contract/purchase agreement. | Information provided |  |  | 06/25/2025 |  |  | A | 1 | 06/XX/2025 | SC | 2 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 12025052191 | XX | XX | XX | 7144463 | 1013 | 06/24/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet required |  | Missing the income calculation worksheet for the business bank statement analysis. | Worksheet provided |  | Client 07/16/2025 12:24 PM; Income calc worksheet for your review. Thank you. <br>Reviewer 07/16/2025 01:23 PM; Condition has been reviewed. Thx<br>| 07/16/2025 |  |  | A | 1 | 06/XX/2025 | FL | 1 | 13 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 12025052191 | XX | XX | XX | 7144464 | 330 | 06/24/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing Approval Exception Ineligible Form of Vesting. The loan was closed in the name of the XX. According to the trust agreement provided, the vesting is held in a XXt. Per guidelines, XXare an ineligible form of vesting. |  | Exception for file closed in a Trust name, with aXX. Compensating Factors: 40 points over minimum score in the tier (699 FICO), LTV - 10% 5 years same business, DTI is 10% or more under max allowed current 37.74%), Residual income >=$300.00 (current $8,416.30) | Client 07/18/2025 09:41 AM; Please find exception uploaded for review. Thank you. <br>Reviewer 07/18/2025 11:00 AM; Condition has been reviewed. Thx<br>|  |  | 07/18/2025 | B | 2 | 06/XX/2025 | FL | 1 | 13 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 12025050477 | XX | XX | XX | 7144519 | 380 | 06/25/2025 | Credit | UW Other |  | UW Other - UW - Lease Agreements |  | A copy of the rental lease agreement covering the most recent 12-month period for the borrower's primary departure residence at XXwas not provided; required to document housing history from a private landlord. |  | Exception approval received/ July rent paid in cash/ Compensating Factors - 16 mos reserves, residual income $3,000, score 696 |  |  |  | 07/15/2025 | B | 2 | 06/XX/2025 | IL | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 12025050477 | XX | XX | XX | 7144520 | 327 | 06/25/2025 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | Proof of rent payment for the month of July 2024 is required, in the form of either canceled checks (front and back) or bank statements showing both account ownership and the rent payment debited by the landlord, to complete the 12-month housing history for the private landlord. Verification of July 2024 payment was missing. |  | Exception approval received/ July rent paid in cash/ Compensating Factors - 16 mos reserves, residual income $3,000, score 696 |  |  |  | 07/15/2025 | B | 2 | 06/XX/2025 | IL | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 12025050477 | XX | XX | XX | 7144521 | 1013 | 06/25/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet required |  | Income worksheet to document the business bank statement analysis for the borrower, Tuan Truong was missing from the loan file. | Received income worksheet |  |  | 06/26/2025 |  |  | A | 1 | 06/XX/2025 | IL | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 12025050112 | XX | XX | XX | 7144523 | 851 | 06/25/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required for applicant and co-applicant both living rent free with someone other than a spouse. |  | Compensating Factors: FICO 789 40 points over the minimum score (700); greater than 4 months additional reserves (9 total); Residual income greater than $3,000.00; DTI (28.799%) is 10% or more under max allowed; No consumer lates in last 24 months. |  |  |  | 06/25/2025 | B | 2 | 06/XX/2025 | NJ | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 12025050112 | XX | XX | XX | 7144525 | 320 | 06/25/2025 | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Provide updated final closing disclosure to reflect the interest rate, P&I, and Projected Payments. | HUD provided BP loans and do not require a CD. |  | Client 07/09/2025 09:35 AM; Per closing management, this is a BP loan and does not require a CD. <br>Reviewer 07/09/2025 10:54 AM; Condition has been reviewed. Thx<br>| 07/09/2025 |  |  | A | 1 | 06/XX/2025 | NJ | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 12025051991 | XX | XX | XX | 7144372 | 201 | 06/23/2025 | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | Please provide the Hazard Policy. | Information provided |  |  | 06/30/2025 |  |  | A | 1 | 06/XX/2025 | NV | 1 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 12025052398 | XX | XX | XX | 7144629 | 851 | 06/26/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Missing a complete 12-month payment history. Housing history in file documents a 9-month primary housing history and per guidelines first time investors are required to document no housing late payments during the past 12 months. |  | Exception granted for insufficient primary residence housing history verification. Compensating Factors: reserves $207,783.55 which is 42.92 mo. which is over 4 months required with a loan amount over $1 million, DTI more then 10% under the max allowed (DTI 15.92%). | Client 07/22/2025 11:30 PM; Please find exception for your review. Thanks so much. <br>Reviewer 07/23/2025 04:45 AM; Condition has been reviewed. Thx<br>|  |  | 07/23/2025 | B | 2 | 06/XX/2025 | PA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 12025050218 | XX | XX | XX | 7144702 | 330 | 06/26/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Fraud Report missing from file. Fraud Report is a requirement for all files. | Received clear fraud report |  |  | 06/30/2025 |  |  | A | 1 | 06/XX/2025 | NJ | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025041546 | XX | XX | XX | 7145903 | 433 | 07/01/2025 | Credit | UW Assets |  | UW Assets - UW - Short funds to close |  | File is short total funds to close and reserves required. Funds to close were $3,553.63 and the required reserves were $9,754.91. Only $11,743.01 was verified, leaving a shortage of $1,565.53. |  | Exception approval received for short reserves/ Comp Factors - Residual income $4,000, Fico 740 |  |  |  | 08/04/2025 | B | 2 | 06/XX/2025 | NJ | 1 | 3 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 12025060198 | XX | XX | XX | 7146337 | 328 | 07/03/2025 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Missing verification property is free and clear documented with a Property Profile Report and Proof property taxes are paid current for the most recent property tax year for the primary residence XX | Property Profile and documentation from credit union provided. |  | Client 07/17/2025 10:19 AM; Please find property report & confirmation of heloc w/-0- payment due & paid off. Pending Sat piece. Thank you. <br>Reviewer 07/17/2025 10:40 AM; Condition has been reviewed Thx<br>| 07/17/2025 |  |  | A | 1 | 06/XX/2025 | GA | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025060632 | XX | XX | XX | 7146326 | 330 | 07/03/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide signed letter regarding the following address listed on Borrower XX bank statement XX | Address explanation as it is a P.O. Box. |  | Client 07/28/2025 09:14 AM; Please find address explanation as it is a P.O. Box. Thank you. <br>Reviewer 07/28/2025 09:32 AM; Condition has been reviewed. Thx<br>| 07/28/2025 |  |  | A | 1 | 06/XX/2025 | CA | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025051523 | XX | XX | XX | 7145840 | 884 | 07/01/2025 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Testing complete |  |  | 07/08/2025 |  |  | A | 1 | 06/XX/2025 | FL | 1 | 13 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 12025051523 | XX | XX | XX | 7145841 | 895 | 07/01/2025 | Compliance | Compliance |  | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation |  | For CD issued 6/16. | Documents provided |  |  | 07/08/2025 |  |  | A | 1 | 06/XX/2025 | FL | 1 | 13 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 12025051523 | XX | XX | XX | 7145842 | 898 | 07/01/2025 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan is failing 0% tolerance for the decrease in the Lender Credit on the final CD. There is no COC for this disclosure, however, there is a COC dated 6XX mentioning a revised disclosure dated 6/XX that is missing. Violation amount is $983. Need a PCCD with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within 60 days of consummation. | Documents provided |  |  | 07/08/2025 |  |  | A | 1 | 06/XX/2025 | FL | 1 | 13 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 12025052166 | XX | XX | XX | 7146368 | 389 | 07/05/2025 | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Missing fraud report with all high and medium alerts cleared. The fraud report provided does not reflect all alerts as cleared. | CoreLogic report provided |  | Client 08/04/2025 04:22 PM; Please see final clear fraud guard. Thank you.<br>Reviewer 08/05/2025 04:50 AM; Condition has been reviewed. Thx<br>| 08/04/2025 |  |  | A | 1 | 06/XX/2025 | NC | 1 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 12025052166 | XX | XX | XX | 7146369 | 1014 | 07/05/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | Provide bank statement analysis worksheet for the borrower. | Bank statement income work sheet provided |  | Client 08/04/2025 04:22 PM; Income calc uploaded. Thank you so much. <br>Reviewer 08/05/2025 04:50 AM; Condition has been reviewed. Thx<br>| 08/04/2025 |  |  | A | 1 | 06/XX/2025 | NC | 1 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 12025052166 | XX | XX | XX | 7146370 | 1018 | 07/05/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employed verify business |  | Provide verification of business existence within 10 business days of close through a disinterested 3rd party. SOS in file is not dated. | Internet print out reflects Status as Active |  | Client 08/04/2025 04:28 PM; Please find VVOE for your review prior to closing. Thank you. <br>Reviewer 08/05/2025 04:50 AM; Condition has been reviewed. Thx<br>| 08/04/2025 |  |  | A | 1 | 06/XX/2025 | NC | 1 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 12025052166 | XX | XX | XX | 7146371 | 326 | 07/05/2025 | Credit | UW Credit |  | UW Credit - UW - Evidence Satisfaction of Debt |  | UW Credit UW - Evidence Satisfaction of Debt COMMENT: The following accounts were marked as to be paid at or prior to closing, however evidence the accounts were paid off was not provided: XX | Per 1008 & 1003 all debts included & loan qualified with same. |  | Client 08/04/2025 04:43 PM; Please find 1008 & 1003 reflecting all debts included & loan qualified with same. Thank you. <br>Client 08/04/2025 04:45 PM; Please find 1008 attached with all debts included in back-end DTI. Thank you. <br>Reviewer 08/05/2025 04:51 AM; Condition has been reviewed. Thx<br>Reviewer 08/05/2025 04:51 AM; Condition has been reviewed. Thx<br>| 08/05/2025 |  |  | A | 1 | 06/XX/2025 | NC | 1 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 12025052169 | XX | XX | XX | 7146383 | 389 | 07/06/2025 | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Missing fraud report with all high and medium alerts cleared. The fraud report provided does not reflect all alerts as cleared. | Received Alerts Summary |  |  | 07/15/2025 |  |  | A | 1 | 06/XX/2025 | TX | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025052169 | XX | XX | XX | 7146384 | 330 | 07/06/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing documentation of the EIN/TIN for the limited liability company. | Information provided |  |  | 07/15/2025 |  |  | A | 1 | 06/XX/2025 | TX | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025052169 | XX | XX | XX | 7146422 | 1013 | 07/07/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet required |  | Missing the asset depletion income calculation worksheet. | Received AU income calculation |  |  | 07/15/2025 |  |  | A | 1 | 06/XX/2025 | TX | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025052169 | XX | XX | XX | 7145998 | 72 | 07/02/2025 | Credit | Closing Package |  | Closing Package - |  | Business Operating Agreement or Articles of Incorporation are missing from file. | Documents provided |  |  | 07/09/2025 |  |  | A | 1 | 06/XX/2025 | TX | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025052169 | XX | XX | XX | 7145999 | 862 | 07/02/2025 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Exhibit A is missing. The Exhibit A in file is blank. | Documents provided |  |  | 07/09/2025 |  |  | A | 1 | 06/XX/2025 | TX | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025052206 | XX | XX | XX | 7146681 | 320 | 07/08/2025 | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Provide documentation verifying gift funds were transferred from the Donor to the Title Company. Per Client guides, if transferred directly to closing agent gift funds must be documented in the form of a certified check; a cashier's check, or other official check (e.g., wire confirmation). A prior to funding (PTF) condition to support that the gift shows on the Closing Disclosure (CD) or Settlement Statement. | Wire document received confirms gift from Donor |  |  | 07/09/2025 |  |  | A | 1 | 06/XX/2025 | TX | 3 | 1 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025052206 | XX | XX | XX | 7146685 | 998 | 07/08/2025 | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | Provide updated title verifying the following mortgage as been released and omitted from title. Sch C #XX to XX for $189,700 dated 12/XX/2017 | Title Policy received does not reflect this mortgage |  |  | 07/22/2025 |  |  | A | 1 | 06/XX/2025 | TX | 3 | 1 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025060412 | XX | XX | XX | 7146450 | 1013 | 07/07/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet required |  | Missing the income calculation worksheet to support the qualifying income used in the bank statement analysis. | Income work sheet provided |  | Client 07/14/2025 04:00 PM; Please find the income calc worksheet uploaded for your review. Thank you. <br>Reviewer 07/14/2025 04:38 PM; Condition has been reviewed. Thx<br>| 07/14/2025 |  |  | A | 1 | 06/XX/2025 | SC | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025051575 | XX | XX | XX | 7146415 | 1055 | 07/07/2025 | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The P&L statement used for income qualification is missing from the loan file. The credit review is on hold until documents are received. | Documents provided |  | Client 07/14/2025 02:09 AM; Package Uploaded on 07/01/2025<br>Reviewer 07/14/2025 04:20 AM; <br>Reviewer 07/14/2025 10:15 AM; Hello <br> Compliance review has been completed. <br>Thanks<br>| 07/14/2025 |  |  | A | 1 | 06/XX/2025 | FL | 1 | 13 | A | A | A | A | A | A | A | A |  | Exempt | 1 |
| 12025061137 | XX | XX | XX | 7146362 | 1014 | 07/05/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | Provide bank statement analysis worksheet. | Received income worksheet |  |  | 07/07/2025 |  |  | A | 1 | 06/XX/2025 | CA | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 12025061137 | XX | XX | XX | 7145981 | 884 | 07/02/2025 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 07/08/2025 |  |  | A | 1 | 06/XX/2025 | CA | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 12025061137 | XX | XX | XX | 7145982 | 895 | 07/02/2025 | Compliance | Compliance |  | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation |  | Revised CD issued on 6/XX/25 via USPS wasn't issued at or before consummation | Information provided |  |  | 07/08/2025 |  |  | A | 1 | 06/XX/2025 | CA | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 12025051938 | XX | XX | XX | 7146832 | 884 | 07/10/2025 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 07/18/2025 |  |  | A | 1 | 07/XX/2025 | FL | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 12025051938 | XX | XX | XX | 7146833 | 895 | 07/10/2025 | Compliance | Compliance |  | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation |  | Need proof Initial CD was received 3 days prior to consummation. CD dated 6/XX sent via USPS | Information provided |  |  | 07/18/2025 |  |  | A | 1 | 07/XX/2025 | FL | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 12025052062 | XX | XX | XX | 7147091 | 1014 | 07/12/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | Provide bank statement analysis worksheet for both businesses utilized for the calculation of the borrower's income. | Received income worksheet for both incomes |  |  | 07/15/2025 |  |  | A | 1 | 07/XX/2025 | MI | 1 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 12025060695 | XX | XX | XX | 7146843 | 1055 | 07/10/2025 | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | Provide the bank statement calculation used for the borrower's SE income to determine which deposits were used for income. The loan approval indicates the 12 month business bank statements were utilized for income, but only personal bank statements were provided. | Documents uploaded did not provide required documents. Restating deficiency to stop SLA. |  | Reviewer 07/11/2025 11:39 AM; Documents uploaded did not provide required documents. Restating deficiency to stop SLA.<br>| 07/10/2025 |  |  | A | 1 | 06/XX/2025 | FL | 1 | 1 | A | A | A | A | A | A | A | A |  | Exempt | 1 |
| 12025060695 | XX | XX | XX | 7146989 | 1055 | 07/11/2025 | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | Provide the bank statement calculation used for the borrower's SE income to determine which deposits were used for income. The loan approval indicates the 12 month business bank statements were utilized for income, but only personal bank statements were provided. | Documents received |  |  | 07/14/2025 |  |  | A | 1 | 06/XX/2025 | FL | 1 | 1 | A | A | A | A | A | A | A | A |  | Exempt | 1 |
| 12025061004 | XX | XX | XX | 7146050 | 1058 | 07/03/2025 | Compliance | Compliance |  | Compliance - Need Evidence of Borrower Intent to Proceed |  |  | Information provided |  |  | 07/15/2025 |  |  | A | 1 | 06/XX/2025 | FL | 2 | 13 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 12025061193 | XX | XX | XX | 7147107 | 378 | 07/12/2025 | Credit | UW Other |  | UW Other - UW - Initial/Final 1003 incomplete/missing |  | Missing the final loan application (1003) for the subject transaction; only the initial signed commercial loan application was provided. | Final loan application provided |  | Reviewer 07/24/2025 03:19 PM; The 1003 provided is dated 6/xx/25 and appears to be the initial 1003 as the note date is 6/xx/25.<br>| 08/05/2025 |  |  | A | 1 | 06/XX/2025 | FL | 3 | 1 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025061193 | XX | XX | XX | 7147108 | 380 | 07/12/2025 | Credit | UW Other |  | UW Other - UW - Lease Agreements |  | Missing the current fully executed lease agreement for the borrower's primary residence. XX Borrower is renting from a Private landlord, XX. Per guidelines, If was/is renting from a private party, request leases for each address to cover the most recent 12-month period, along with verification of timely payments made (either canceled checks front and back or bank statements). Only the bank debits were provided. | Payments are acceptable history of rent payments; Lease provided support rent payments |  |  | 08/05/2025 |  |  | A | 1 | 06/XX/2025 | FL | 3 | 1 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025061193 | XX | XX | XX | 7147109 | 327 | 07/12/2025 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | Missing documentation The borrower is the owner of the following asset account XX ending in XX. Per guidelines, verification of timely rent payments is required for private Verifications of Rent (VOR), which must include either canceled checks (front and back) or bank statements showing both account ownership and payments debited by the landlord. A transaction printout was provided to document the February 2025 rent payment; however, it does not reflect the borrower's name. Therefore, the account cannot be confirmed as belonging to the borrower. | Received account with name |  |  | 07/17/2025 |  |  | A | 1 | 06/XX/2025 | FL | 3 | 1 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025051679 | XX | XX | XX | 7147112 | 879 | 07/12/2025 | Compliance | Application |  | Application - Other: |  | The declarations page for the co-borrower XX is blank. | Information provided |  | Reviewer 07/14/2025 11:00 AM; No documentation provided <br>| 07/17/2025 |  |  | A | 1 | 07/XX/2025 | SC | 2 | 13 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 12025051780 | XX | XX | XX | 7147114 | 998 | 07/13/2025 | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | Provide updated title commitment in an amount greater than or equal to the subject loan amount. Title coverage provided in the amount of $XX is less than the $XX loan amount. | Received revised title |  |  | 07/15/2025 |  |  | A | 1 | 06/XX/2025 | NY | 3 | 3 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025051737 | XX | XX | XX | 7146946 | 862 | 07/10/2025 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Exhibit A is missing. The Exhibit A in file is blank. Please provide, along with LOI to re-record. | Information provided |  |  | 07/16/2025 |  |  | A | 1 | 07/XX/2025 | NJ | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025060792 | XX | XX | XX | 7147072 | 862 | 07/11/2025 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Exhibit A is missing. The Exhibit A in file is blank. Please provide, along with LOI to re-record. | Information provided |  | Reviewer 07/21/2025 09:31 AM; NO documentation provided<br>Reviewer 07/22/2025 09:45 AM; Escalated for review<br>| 07/23/2025 |  |  | A | 1 | 07/XX/2025 | NJ | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025050632 | XX | XX | XX | 7148194 | 851 | 07/19/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required due to borrower living rent free with other than spouse (parents) since 12/1/2005 |  | Exception allowing borrower living rent free with other than spouse (parents) since 12/xx/2005. Compensating Factors: FICO 711 minimum required 700, reserves $104,392.54 (13.97 months) required 3 months, self-employed >5 years in same line of business. |  |  |  | 07/19/2025 | B | 2 | 06/XX/2025 | FL | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 12025050632 | XX | XX | XX | 7148195 | 336 | 07/19/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide bank statement income calculation work sheet. | Received bank statement income worksheet |  |  | 07/28/2025 |  |  | A | 1 | 06/XX/2025 | FL | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 12025041535 | XX | XX | XX | 7148252 | 851 | 07/21/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required to use appraised value of $XXdue to subject property was recently listed for $XX. |  | Compensating Factors: Greater than 3 tradelines rated for more than 5 years; No credit lates in greater than 24 months; |  |  |  | 07/21/2025 | B | 2 | 06/XX/2025 | TX | 3 | 3 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 12025050190 | XX | XX | XX | 7149517 | 967 | 07/29/2025 | Credit | Compliance |  | Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date) |  | The HUD-1 reflected the disbursement date as 06/XX/2025; however, the Deed of Trust/Mortgage was signed on 06/XX/2025. Need a HUD with corrected disbursement and funding dates to be on or after 06/XX/2025. | Information provided |  |  | 08/04/2025 |  |  | A | 1 | 06/XX/2025 | FL | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 12025050190 | XX | XX | XX | 7149559 | 330 | 07/29/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | All judgments and liens must be paid in full prior to or at closing. |  | Comp Factors:1. > 3 Tradelines Rated for > 5 Yrs. Bank statements provided have a balance of $112963.70 showing borrower has sufficient funds to pay off the judgement. | Reviewer 07/29/2025 05:25 PM; Permission to leave Judgment of $8,400 on xx as unpaid<br>|  |  | 07/29/2025 | B | 2 | 06/XX/2025 | FL | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 12025051533 | XX | XX | XX | 7149464 | 330 | 07/28/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Approval Certificate dated 06/XX/25 shows loan amt $XX. Note states $XX. AC shows interest rate 7.625% Note states 7.25%. | Revised loan approval received with Loan $272,800 and 7.25% |  |  | 07/30/2025 |  |  | A | 1 | 06/XX/2025 | MD | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025051533 | XX | XX | XX | 7149267 | 862 | 07/25/2025 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Exhibit A is missing. The Exhibit A in file is blank. Please provide, along with LOI to re-record. |  |  |  | 07/30/2025 |  |  | A | 1 | 06/XX/2025 | MD | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 12025051570 | XX | XX | XX | 7149705 | 902 | 07/30/2025 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Testing complete |  |  | 08/04/2025 |  |  | A | 1 | 06/XX/2025 | TX | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 12025051570 | XX | XX | XX | 7149706 | 973 | 07/30/2025 | Compliance | Compliance |  | Compliance - CD- Other |  | Provide evidence CD dated 6/XX/2025 was rec'd by the borrower at least 4 days prior to consummation date of 6/XX/2025. | Documents provided |  |  | 08/04/2025 |  |  | A | 1 | 06/XX/2025 | TX | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 12025051570 | XX | XX | XX | 7149707 | 1058 | 07/30/2025 | Compliance | Compliance |  | Compliance - Need Evidence of Borrower Intent to Proceed |  |  | Documents provided |  |  | 08/04/2025 |  |  | A | 1 | 06/XX/2025 | TX | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | ![](ex99-3sch6_001.jpg) | ![](ex99-3sch6_001.jpg) | ![](ex99-3sch6_001.jpg) | ![](ex99-3sch6_001.jpg) | ![](ex99-3sch6_001.jpg) | ![](ex99-3sch6_001.jpg) | ![](ex99-3sch6_001.jpg) | ![](ex99-3sch6_001.jpg) | ![](ex99-3sch6_001.jpg) | ![](ex99-3sch6_001.jpg) | ![](ex99-3sch6_001.jpg) | ![](ex99-3sch6_001.jpg) | ![](ex99-3sch6_001.jpg) | ![](ex99-3sch6_001.jpg) | ![](ex99-3sch6_001.jpg) | ![](ex99-3sch6_001.jpg) | ![](ex99-3sch6_001.jpg) | ![](ex99-3sch6_001.jpg) | ![](ex99-3sch6_001.jpg) | ![](ex99-3sch6_001.jpg) |
|  | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** |
|  | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** | **Run Date - 09/25/2025 1:47:30 PM** |
| ASF Loan Number | **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 12025011645 | XX | XX | XX | Exempt | N/A | No | 01/XX/2025 | No | Yes |  | 05/29/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 12025021662 | XX | XX | XX | Exempt | N/A | No | 02/XX/2025 | No |  |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 12025030137 | XX | XX | XX | Exempt | N/A | No | 03/XX/2025 | No | Yes |  | 04/07/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 12025030998 | XX | XX | XX | Exempt | N/A | No | 03/XX/2025 | No | Yes |  | 04/09/2025 | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 12025031902 | XX | XX | XX | Exempt | N/A | No | 03/XX/2025 | No |  |  |  | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| 12025032273 | XX | XX | XX | Exempt | N/A | No | 03/XX/2025 | No | Yes |  | 04/08/2025 | 0.00% | Employed |  | Non Permanent Resident Alien | L-1 Visa |  |  | No |  |
| 12025040201 | XX | XX | XX | Exempt | N/A | No | 04/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025040526 | XX | XX | XX | Exempt | N/A | No | 04/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025040730 | XX | XX | XX | Exempt | N/A | No | 04/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025040813 | XX | XX | XX | Exempt | N/A | No | 04/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025041152 | XX | XX | XX | Exempt | N/A | No | 04/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025041159 | XX | XX | XX | Exempt | N/A | No | 04/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025041225 | XX | XX | XX | Exempt | N/A | No | 04/XX/2025 | No | Yes |  | 04/29/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 12025041272 | XX | XX | XX | Exempt | N/A | No | 04/XX/2025 | No |  |  |  | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | No |  |
| 12025041535 | XX | XX | XX | Exempt | N/A | No | 04/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025041546 | XX | XX | XX | Exempt | N/A | No | 04/XX/2025 | No | Yes |  | 04/24/2025 | 0.00% | Self-Employed |  | Non Permanent Resident Alien | Other |  |  | No |  |
| 12025041644 | XX | XX | XX | Exempt | N/A | No | 04/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025041667 | XX | XX | XX | Exempt | N/A | No | 04/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025041811 | XX | XX | XX | Exempt | N/A | No | 04/XX/2025 | No |  |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | I-151 Green Card |  |  | No |  |
| 12025042242 | XX | XX | XX | Exempt | N/A | No | 04/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025042504 | XX | XX | XX | Exempt | N/A | No | 04/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025042505 | XX | XX | XX | Exempt | N/A | No | 04/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025042507 | XX | XX | XX | Exempt | N/A | No | 04/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025042509 | XX | XX | XX | Exempt | N/A | No | 04/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025042524 | XX | XX | XX | Exempt | N/A | No | 04/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025042604 | XX | XX | XX | Exempt | N/A | No | 04/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025042628 | XX | XX | XX | Exempt | N/A | No | 04/XX/2025 | No | Yes |  | 05/29/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 12025042684 | XX | XX | XX | Exempt | N/A | No | 04/XX/2025 | No | Yes |  | 05/27/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 12025042771 | XX | XX | XX | Exempt | N/A | No | 04/XX/2025 | No |  |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 12025050112 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 12025050190 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025050218 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 12025050380 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025050433 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025050466 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025050477 | XX | XX | XX | Exempt | N/A | No | 06/XX/2025 | No | Yes |  | 06/03/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 12025050491 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No | Yes |  | 05/21/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 12025050528 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025050545 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025050571 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No | Yes |  | 05/07/2025 | 0.00% | Self-Employed |  | Non Permanent Resident Alien | I-151 Green Card |  |  | No |  |
| 12025050603 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025050632 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No | Yes |  | 06/12/2025 | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | No |  |
| 12025050698 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025050710 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No | Yes |  | 05/21/2025 | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $10209.55 |
| 12025050794 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No | Yes |  | 05/08/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 12025050879 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 12025050903 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No | Yes |  | 05/09/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 12025051025 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025051338 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | Other |  |  | No |  |
| 12025051441 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 12025051523 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No | Yes |  | 05/21/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 12025051533 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025051558 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No | Yes |  | 05/20/2025 | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 12025051570 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No | Yes |  | 06/09/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 12025051575 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No | Yes |  | 05/16/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 12025051679 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No | Yes |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 12025051694 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025051708 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No | Yes |  | 05/20/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 12025051737 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025051780 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025051829 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025051830 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No | Yes |  | 05/20/2025 | 0.00% | Self-Employed |  | Non Permanent Resident Alien | ITIN Card |  |  | No |  |
| 12025051843 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No | Yes |  | 06/16/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 12025051908 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | Other |  |  | No |  |
| 12025051938 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No | Yes |  | 05/21/2025 | 0.00% | Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 12025051991 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No | Yes |  | 05/28/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 12025052062 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No | Yes |  | 06/18/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 12025052163 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025052166 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No | Yes |  | 05/23/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 12025052169 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025052191 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No | Yes |  | 05/27/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 12025052195 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 12025052206 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025052265 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025052304 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No | Yes |  | 06/20/2025 | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | No |  |
| 12025052398 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 12025052452 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025052639 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025052697 | XX | XX | XX | Exempt | N/A | No | 05/XX/2025 | No |  |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 12025060063 | XX | XX | XX | Exempt | N/A | No | 06/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025060154 | XX | XX | XX | Exempt | N/A | No | 06/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025060198 | XX | XX | XX | Exempt | N/A | No | 06/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025060317 | XX | XX | XX | Exempt | N/A | No | 06/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025060388 | XX | XX | XX | Exempt | N/A | No | 06/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025060395 | XX | XX | XX | Exempt | N/A | No | 06/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025060412 | XX | XX | XX | Exempt | N/A | No | 06/XX/2025 | No |  |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 12025060431 | XX | XX | XX | Exempt | N/A | No | 06/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025060503 | XX | XX | XX | Exempt | N/A | No | 06/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025060625 | XX | XX | XX | Exempt | N/A | No | 06/XX/2025 | No |  |  |  | 0.00% | Employed |  | Permanent Resident Alien |  |  |  | No |  |
| 12025060632 | XX | XX | XX | Exempt | N/A | No | 06/XX/2025 | No |  |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 12025060695 | XX | XX | XX | Exempt | N/A | No | 06/XX/2025 | No | Yes |  | 06/30/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 12025060768 | XX | XX | XX | Exempt | N/A | No | 06/XX/2025 | No |  |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 12025060792 | XX | XX | XX | Exempt | N/A | No | 06/XX/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 12025060832 | XX | XX | XX | Exempt | N/A | No | 06/XX/2025 | No | Yes |  | 06/10/2025 | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 12025060833 | XX | XX | XX | Exempt | N/A | No | 06/XX/2025 | No | Yes |  | 06/13/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 12025061004 | XX | XX | XX | Exempt | N/A | No | 06/XX/2025 | No | Yes |  | 06/16/2025 | 0.00% | Self-Employed |  | Foreign National |  |  |  | No |  |
| 12025061137 | XX | XX | XX | Exempt | N/A | No | 06/XX/2025 | No | Yes |  | 06/18/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 12025061193 | XX | XX | XX | Exempt | N/A | No | 06/XX/2025 | No |  |  |  | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | No |  |
| 12025062098 | XX | XX | XX | Exempt | N/A | No | 06/XX/2025 | No |  |  |  | 0.00% | Not Required |  | Foreign National | Other |  |  | No |  |
| 400093763 | XX | XX | XX | Exempt | N/A | No | 11/XX/2024 | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |

---

## Exhibit 99.4

**Exhibit 99.4**

![](ex99-4_001.jpg)

**EXECUTIVE SUMMARY**

**NRMLT 2025-NQM5**

**By Clarifii LLC on September 18, 2025**

NRMLT 2025-NQM5 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 1

![](ex99-4_001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 36 Loans (the "Loans") originated by a correspondent lender and acquired by Rithm Capital, LLC. (the "Clients") for the NRMLT 2025-NQM5 transaction. The Loans referenced in this narrative report were reviewed between 10/2024 to 07/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.78% | &nbsp;&nbsp;$281250.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;35 | &nbsp;&nbsp;97.22% | &nbsp;&nbsp;$17971752.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**36** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$18253002.00** |

---

The Review consisted of a population of 36 Loans, with an aggregate principal balance of $18,253,002.00

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

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

**LOAN SAMPLING**

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

NRMLT 2025-NQM5 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 2

![](ex99-4_001.jpg)

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

---

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

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;B1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Note Date |

---

NRMLT 2025-NQM5 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 3

![](ex99-4_001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &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;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |

---

**CREDIT UNDERWRITING**

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

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

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

NRMLT 2025-NQM5 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 4

![](ex99-4_001.jpg)

- 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)

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

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

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

Clarifii verified the following items:

- A credit report or alternative credit history as applicable to Loan type is present for each borrower

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

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

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

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

NRMLT 2025-NQM5 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 5

![](ex99-4_001.jpg)

- Bank statements

- Lease agreements

- Award letters

- Other documentation in Loan file

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

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

- Borrower identity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower name variations

- Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Subject property ownership history

- Employment

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage lender/originator

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

OFAC

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

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in Loan file

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

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

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

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

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

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

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

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

NRMLT 2025-NQM5 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 6

![](ex99-4_001.jpg)

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

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

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

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

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

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

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

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

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

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

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

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

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

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

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

**COMPLIANCE REVIEW**

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

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

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

NRMLT 2025-NQM5 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 7

![](ex99-4_001.jpg)

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

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

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

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** 

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

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

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

**Right of Rescission** 

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

NRMLT 2025-NQM5 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 8

![](ex99-4_001.jpg)

**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.

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

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

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

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

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

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

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

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

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

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

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

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

NRMLT 2025-NQM5 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 9

![](ex99-4_001.jpg)

- 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.

- 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.

NRMLT 2025-NQM5 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 10

![](ex99-4_001.jpg)

- 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.

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

- Non-Owner Occupied Declaration Disclosure

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

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

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

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

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

NRMLT 2025-NQM5 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 11

![](ex99-4_001.jpg)

- 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.

**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.*

NRMLT 2025-NQM5 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 12

![](ex99-4_001.jpg)

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.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Uniform Standards of Professional Appraisal Practice (USPAP)** 

Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

NRMLT 2025-NQM5 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 13

![](ex99-4_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;· For Loans with a Freddie Mac Loan Collateral Advisor Score
(LCA), if an LCA Score was available and the LCA Score was greater than 2.5, a Desk Review was either reviewed in the Loan file or ordered
by Clarifii. If the LCA Score was less than or equal to 2.5, a Desk Review was not obtained/required based on market acceptance of UCDP
Risk Score.

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files –<br> No Hit** | &nbsp;&nbsp;**# of Files > -10% <br> Variance to OA or<br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files <br> within -10% of OA or<br> Acceptable UCDP Risk<br> Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 |
| &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;0 |

---

**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

NRMLT 2025-NQM5 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 14

![](ex99-4_001.jpg)

**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. |

---

**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. |

---

NRMLT 2025-NQM5 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 15

![](ex99-4_001.jpg)

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;32 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;11.11% |
| &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;**36** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;32 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;11.11% |
| &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;**36** | &nbsp;&nbsp;**100.00%** |

---

NRMLT 2025-NQM5 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 16

![](ex99-4_001.jpg)

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;36 | &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;**36** | &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;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;36 | &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;**36** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;36 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$18253002.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**36** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$18253002.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;12 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$8961080.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;24 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$9291922.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**36** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$18253002.00** |

---

NRMLT 2025-NQM5 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 17

![](ex99-4_001.jpg)

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;24 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$10270817.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;12 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$7982185.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**36** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$18253002.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;36 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$18253002.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**36** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$18253002.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;4 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;$1960787.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;32 | &nbsp;&nbsp;88.89% | &nbsp;&nbsp;$16292215.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**36** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$18253002.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total<br> Times<br> Compared** | &nbsp;&nbsp;**Accuracy<br> %** |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B1 Credit Report Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;36 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;36 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;34 | &nbsp;&nbsp;97.06% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;35 | &nbsp;&nbsp;91.43% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;1 | &nbsp;&nbsp;19 | &nbsp;&nbsp;94.74% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;36 | &nbsp;&nbsp;100.00% |

---

NRMLT 2025-NQM5 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 18

![](ex99-4_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;36 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;35 | &nbsp;&nbsp;97.14% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;34 | &nbsp;&nbsp;82.35% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;33 | &nbsp;&nbsp;96.97% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;4 | &nbsp;&nbsp;34 | &nbsp;&nbsp;88.24% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;7 | &nbsp;&nbsp;35 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;5 | &nbsp;&nbsp;34 | &nbsp;&nbsp;85.29% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;35 | &nbsp;&nbsp;88.57% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

NRMLT 2025-NQM5 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 19

![](ex99-4_001.jpg)

&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.*

 

*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.

NRMLT 2025-NQM5 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 20

## Exhibit 99.4

**Exhibit 99.4 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 400081531 | XXX | XXX | XXX | 09-XX-2024 | XXX |  | XXX | XXX | 08-XX-2024 | 1004 URAR | XX | XX | XXX | 75.0 | 75.0 | XXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2024 |
| 400083143 | XXX | XXX | XXX | 10-XX-2024 | XXX | XXX | XXX | XXX | 09-XX-2024 | 1004 URAR | XX | XX | XXX | 80.0 | 80.0 | XXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2024 |
| 400091350 | XXX | XXX | XXX | 12-XX-2024 | XXX | XXX | XXX | XXX | 12-XX-2024 | 1073 Individual Condo Report | XX | XX | XXX | 60.0 | 60.0 | XXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.0 | .0000 | XX | Moderate | 12-XX-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400098163 | XXX | XXX | XXX | 02-XX-2025 | XXX | XXX | XXX | XXX | 01-XX-2025 | 1004 URAR | XX | XX | XXX | 80.0 | 80.0 | XXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 02-XX-2025 |
| 400097078 | XXX | XXX | XXX | 02-XX-2025 | XXX | XXX | XXX | XXX | 02-XX-2025 | 1004 URAR | XX | XX | XXX | 70.7 | 70.7 | XXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2025 |
| 400098164 | XXX | XXX | XXX | 02-XX-2025 | XXX | XXX | XXX | XXX | 02-XX-2025 | 1004 URAR | XX | XX | XXX | 52.12 | 52.12 | XXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2025 |
| 400098150 | XXX | XXX | XXX | 02-XX-2025 | XXX |  | XXX | XXX | 01-XX-2025 | 1004 URAR | XX | XX | XXX | 61.83 | 61.83 | XXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.0 | .0000 | XX | Low | 02-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400098177 | XXX | XXX | XXX | 02-XX-2025 | XXX |  | XXX | XXX | 12-XX-2024 | 1004 URAR | XX | XX | XXX | 80.0 | 80.0 | XXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 12-XX-2024 |
| 400103289 | XXX | XXX | XXX | 03-XX-2025 | XXX |  | XXX | XXX | 02-XX-2025 | 1025 Small Residential Income Report | XX | XX | XXX | 75.0 | 75.0 | XXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.0 | .0000 | XX | Moderate | 02-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000051892 | XXX |  | XXX | 04-XX-2025 | XXX |  | XXX | XXX | 04-XX-2025 | 1004 URAR | XX | XX | XXX | 75.0 | 75.0 | XXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 04-XX-2025 |
| 2000052487 | XXX |  | XXX | 05-XX-2025 | XXX | XXX | XXX | XXX | 04-XX-2025 | 1004 URAR | XX | XX | XXX | 70.0 | 70.0 | XXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.0 | .0000 | XX | A | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000046806 | XXX |  | XXX | 05-XX-2025 | XXX | XXX | XXX | XXX | 04-XX-2025 | 1004 URAR | XX | XX | XXX | 73.08 | 73.08 | XXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.0 | .0000 | XX | A | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000052120 | XXX |  | XXX | 05-XX-2025 | XXX |  | XXX | XXX | 04-XX-2025 | 1004 URAR | XX | XX | XXX | 73.73 | 73.73 | XXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 04-XX-2025 |
| 2000053916 | XXX |  | XXX | 05-XX-2025 | XXX |  | XXX | XXX | 05-XX-2025 | 1004 URAR | XX | XX | XXX | 75.0 | 75.0 | XXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.0 | .0000 | XX | Moderate | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000054318 | XXX |  | XXX | 05-XX-2025 | XXX |  | XXX | XXX | 03-XX-2025 | 1025 Small Residential Income Report | XX | XX | XXX | 70.0 | 70.0 | XXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.0 | .0000 | XX | Low | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000053792 | XXX |  | XXX | 05-XX-2025 | XXX | XXX | XXX | XXX | 04-XX-2025 | 1004 URAR | XX | XX | XXX | 80.0 | 80.0 | XXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.0 | .0000 | XX | A | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000054226 | XXX |  | XXX | 05-XX-2025 | XXX | XXX | XXX | XXX | 04-XX-2025 | 1073 Individual Condo Report | XX | XX | XXX | 70.0 | 70.0 | XXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 05-XX-2025 |
| 2000053419 | XXX |  | XXX | 05-XX-2025 | XXX |  | XXX | XXX | 05-XX-2025 | 1025 Small Residential Income Report | XX | XX | XXX | 42.73 | 42.73 | XXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.0 | .0000 | XX | Moderate | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000053171 | XXX |  | XXX | 05-XX-2025 | XXX | XXX | XXX | XXX | 04-XX-2025 | 1004 URAR | XX | XX | XXX | 61.2 | 61.2 | XXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 05-XX-2025 |
| 2000053332 | XXX |  | XXX | 05-XX-2025 | XXX |  | XXX | XXX | 04-XX-2025 | 1004 URAR | XX | XX | XXX | 70.0 | 70.0 | XXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.0 | .0000 | XX | Low | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 05-XX-2025 |
| 2000053364 | XXX |  | XXX | 05-XX-2025 | XXX |  | XXX | XXX | 04-XX-2025 | 1004 URAR | XX | XX | XXX | 71.64 | 71.64 | XXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2025 |
| 2000053743 | XXX |  | XXX | 05-XX-2025 | XXX | XXX | XXX | XXX | 04-XX-2025 | 1004 URAR | XX | XX | XXX | 85.0 | 85.0 | XXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2029 Eligible | 1 | 04-XX-2025 |
| 2000053393 | XXX |  | XXX | 05-XX-2025 | XXX |  | XXX | XXX | 04-XX-2025 | 1004 URAR | XX | XX | XXX | 35.92 | 35.92 | XXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2025 |
| 2000053728 | XXX |  | XXX | 05-XX-2025 | XXX |  | XXX | XXX | 04-XX-2025 | 1004 URAR | XX | XX | XXX | 80.0 | 80.0 | XXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.0 | .0000 | XX | Low | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000053730 | XXX |  | XXX | 05-XX-2025 | XXX |  | XXX | XXX | 04-XX-2025 | 1004 URAR | XX | XX | XXX | 80.0 | 80.0 | XXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.0 | .0000 | XX | Low | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000053734 | XXX |  | XXX | 05-XX-2025 | XXX |  | XXX | XXX | 04-XX-2025 | 1004 URAR | XX | XX | XXX | 80.0 | 80.0 | XXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.0 | .0000 | XX | Low | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000053736 | XXX |  | XXX | 05-XX-2025 | XXX |  | XXX | XXX | 04-XX-2025 | 1004 URAR | XX | XX | XXX | 80.0 | 80.0 | XXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.0 | .0000 | XX | Moderate | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | 05-XX-2025 |
| 2000054146 | XXX |  | XXX | 05-XX-2025 | XXX |  | XXX | XXX | 04-XX-2025 | 1004 URAR | XX | XX | XXX | 80.0 | 80.0 | XXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 05-XX-2025 |
| 2000054197 | XXX |  | XXX | 05-XX-2025 | XXX |  | XXX | XXX | 01-XX-2025 | 1004 URAR | XX | XX | XXX | 80.0 | 80.0 | XXX | XX | -.0588 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX | -.0588 | XX | B | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000054262 | XXX |  | XXX | 05-XX-2025 | XXX |  | XXX | XXX | 04-XX-2025 | 1025 Small Residential Income Report | XX | XX | XXX | 75.0 | 75.0 | XXX | XX | -.0602 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX | -.0602 | XX | B | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000054675 | XXX |  | XXX | 05-XX-2025 | XXX |  | XXX | XXX | 04-XX-2025 | 1004 URAR | XX | XX | XXX | 80.0 | 80.0 | XXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 2000053574 | XXX |  | XXX | 05-XX-2025 | XXX |  | XXX | XXX | 05-XX-2025 | 1004 URAR | XX | XX | XXX | 75.0 | 75.0 | XXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.0 | .0000 | XX | A | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 05-XX-2025 |
| 2000054697 | XXX |  | XXX | 05-XX-2025 | XXX | XXX | XXX | XXX | 05-XX-2025 | 1004 URAR | XX | XX | XXX | 90.0 | 90.0 | XXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.0 | .0000 | XX | A | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000055164 | XXX |  | XXX | 05-XX-2025 | XXX |  | XXX | XXX | 05-XX-2025 | 1004 URAR | XX | XX | XXX | 67.25 | 67.25 | XXX | XX | -.0551 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX | -.0551 | XX | Moderate | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000050824 | XXX |  | XXX | 05-XX-2025 | XXX |  | XXX | XXX | 03-XX-2025 | 1004 URAR | XX | XX | XXX | 65.0 | 65.0 | XXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2025 |
| 2000051910 | XXX |  | XXX | 05-XX-2025 | XXX |  | XXX | XXX | 04-XX-2025 | 1004 URAR | XX | XX | XXX | 75.0 | 75.0 | XXX | XX | -.0982 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX | -.0982 | XX | Moderate | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 04-XX-2025 |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

---

| | | | | |
|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 400081531 | XXX | XXX | XXX | XXX D A |
| 400083143 | XXX | XXX | XXX | XXX A D |
| 400091350 | XXX | XXX | XXX | XXX A C |
| 400098163 | XXX | XXX | XXX | XXX C A B |
| 400097078 | XXX | XXX | XXX | XXX C A |
| 400098164 | XXX | XXX | XXX | XXX D C A |
| 400098150 | XXX | XXX | XXX | XXX D C A |
| 400098177 | XXX | XXX | XXX | XXX A |
| 400103289 | XXX | XXX | XXX | XXX C A |
| 2000051892 | XXX |  | XXX | XXX D A |
| 2000052487 | XXX |  | XXX | XXX A D |
| 2000046806 | XXX |  | XXX | XXX D A |
| 2000052120 | XXX |  | XXX | XXX C A |
| 2000053916 | XXX |  | XXX | XXX A |
| 2000054318 | XXX |  | XXX | XXX A |
| 2000053792 | XXX |  | XXX | XXX C A D B |
| 2000054226 | XXX |  | XXX | XXX D A |
| 2000053419 | XXX |  | XXX | XXX A |
| 2000053171 | XXX |  | XXX | XXX C A |
| 2000053332 | XXX |  | XXX | XXX C A |
| 2000053364 | XXX |  | XXX | XXX C A |
| 2000053743 | XXX |  | XXX | XXX A C |
| 2000053393 | XXX |  | XXX | XXX D A |
| 2000053728 | XXX |  | XXX | XXX D A |
| 2000053730 | XXX |  | XXX | XXX C A |
| 2000053734 | XXX |  | XXX | XXX C A |
| 2000053736 | XXX |  | XXX | XXX A |
| 2000054146 | XXX |  | XXX | XXX D A B |
| 2000054197 | XXX |  | XXX | XXX A D |
| 2000054262 | XXX |  | XXX | XXX D A |
| 2000054675 | XXX |  | XXX | XXX D A |
| 2000053574 | XXX |  | XXX | XXX A D |
| 2000054697 | XXX |  | XXX | XXX D A B |
| 2000055164 | XXX |  | XXX | XXX C A |
| 2000050824 | XXX |  | XXX | XXX A |
| 2000051910 | XXX |  | XXX | XXX D A |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 400097078 | XXX | XX | XXX | HMC0001_Post-Close Flow | Borrower 1 SSN | the1003Page | XX | XX |  |
| 400098164 | XXX | XX | XXX | HMC0001_Post-Close Flow | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 8079.18 | 8079.20 | Per and Taxes and Ins. /Lenders approval has no taxes and Ins |
| 2000051892 | XXX |  | XXX | HMC0001_Post-Close Flow | Qualifying Total Reserves Number of Months | assetPage | 6.42 | 10.00 | Per C/O proceeds and checking account |
| 2000051892 | XXX |  | XXX | HMC0001_Post-Close Flow | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 16.19 | 11.96 | Variance due to Audit calc. lower income |
| 2000051892 | XXX |  | XXX | HMC0001_Post-Close Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.13 | 23.43 | Variance due to Audit calc. lower income |
| 2000052487 | XXX |  | XXX | HMC0001_Post-Close Flow | Cash Disbursement Date | finalCdDetailPage | XX | XX | Per Final CD |
| 2000052487 | XXX |  | XXX | HMC0001_Post-Close Flow | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 10427.8 | 10244.47 | Audit includes HOA |
| 2000052487 | XXX |  | XXX | HMC0001_Post-Close Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.77 | 37.73 | Variance unable to determine, lender 1008 not provided |
| 2000046806 | XXX |  | XXX | HMC0001_Post-Close Flow | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 14262.96 | 13997.30 | Audit includes HOA |
| 2000053792 | XXX |  | XXX | HMC0001_Post-Close Flow | Cash Disbursement Date | closingDetailsNonCompliancePage | XX | XX | Per Final CD |
| 2000053419 | XXX |  | XXX | HMC0001_Post-Close Flow | Property Type | propertyValuationPage | Two to Four Unit | Attached | 2-Unit Detached per appraisal report |
| 2000053171 | XXX |  | XXX | HMC0001_Post-Close Flow | Primary Appraised Property Value | propertyValuationPage | XX | XX | Appraisal value vs Purchase price |
| 2000053171 | XXX |  | XXX | HMC0001_Post-Close Flow | Qualifying Total Reserves Number of Months | assetPage | 17.78 | 10.00 | Per documented assets in file. UTD tape value. |
| 2000053332 | XXX |  | XXX | HMC0001_Post-Close Flow | Qualifying Total Reserves Number of Months | assetPage | 42.32 | 39.00 | cashout proceeds |
| 2000053393 | XXX |  | XXX | HMC0001_Post-Close Flow | Qualifying FICO | creditLiabilitiesPage | 629 | 650 | Primary wage earner |
| 2000053728 | XXX |  | XXX | HMC0001_Post-Close Flow | Property Type | propertyValuationPage | Townhouse | Single Family Detached | per title |
| 2000053728 | XXX |  | XXX | HMC0001_Post-Close Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.35 | 32.49 | Ineligible deposits were not consider in income calculation. |
| 2000053728 | XXX |  | XXX | HMC0001_Post-Close Flow | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 10.97 | 8.08 | Ineligible deposits were not consider in income calculation. |
| 2000053730 | XXX |  | XXX | HMC0001_Post-Close Flow | Property Type | propertyValuationPage | Townhouse | Single Family Detached | per title |
| 2000053730 | XXX |  | XXX | HMC0001_Post-Close Flow | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 10.97 | 8.08 | Ineligible deposits were not consider in income calculation. |
| 2000053730 | XXX |  | XXX | HMC0001_Post-Close Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.35 | 32.49 | Ineligible deposits were not consider in income calculation. |
| 2000053734 | XXX |  | XXX | HMC0001_Post-Close Flow | Property Type | propertyValuationPage | Townhouse | Single Family Detached | per title |
| 2000053734 | XXX |  | XXX | HMC0001_Post-Close Flow | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 10.97 | 13.50 | Ineligible deposits were not consider in income calculation. |
| 2000053734 | XXX |  | XXX | HMC0001_Post-Close Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.84 | 32.49 | Ineligible deposits were not consider in income calculation. |
| 2000053736 | XXX |  | XXX | HMC0001_Post-Close Flow | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | 36943.68 | -37659.91 | Per calculations |
| 2000053736 | XXX |  | XXX | HMC0001_Post-Close Flow | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per appraisal |
| 2000053736 | XXX |  | XXX | HMC0001_Post-Close Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.34 | 32.49 | Calculated income lower than income used by the lender. |
| 2000054262 | XXX |  | XXX | HMC0001_Post-Close Flow | Qualifying Total Reserves Number of Months | assetPage | 111.94 | 103.00 | cashout proceeds |
| 2000054675 | XXX |  | XXX | HMC0001_Post-Close Flow | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3196.63 | 3159.63 | W/HOA |
| 2000054675 | XXX |  | XXX | HMC0001_Post-Close Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.7 | 21.93 | Audit confirmed REOs on credit report not factor in DTI |
| 2000054697 | XXX |  | XXX | HMC0001_Post-Close Flow | Cash Disbursement Date | finalCdDetailPage | XX | XX | Per final CD |
| 2000054697 | XXX |  | XXX | HMC0001_Post-Close Flow | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3985.55 | 3931.39 | Audit using HOA dues |
| 2000051910 | XXX |  | XXX | HMC0001_Post-Close Flow | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per appraisal |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 400081531 | XXX | XXX | XXX | 07-XX-2024 | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 35433.29 | Yes | Employed |  | No |  | Yes | Present |
| 400083143 | XXX | XXX | XXX | 09-XX-2024 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11694 | 7.268 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39682.38 | Yes | Employed |  | No |  | No |  |
| 400091350 | XXX | XXX | XXX | 12-XX-2024 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8594.6 | 7.936 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7923.48 | N/A | Employed |  | No |  | No |  |
| 400098163 | XXX | XXX | XXX | 02-XX-2025 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12467 | 8.181 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 12648.99 | Yes | Employed |  | No |  | No |  |
| 400097078 | XXX | XXX | XXX | 02-XX-2025 | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| 400098164 | XXX | XXX | XXX | 02-XX-2025 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 14654 | 8.258 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11755.11 | N/A | Employed |  | No |  | No |  |
| 400098150 | XXX | XXX | XXX | 01-XX-2025 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20694 | 8.601 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16453.93 | N/A | Employed |  | No |  | No |  |
| 400098177 | XXX | XXX | XXX | 11-XX-2024 | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 400103289 | XXX | XXX | XXX | 02-XX-2025 | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 2000051892 | XXX |  | XXX | 03-XX-2025 | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 60372.63 | Yes | Employed | Not Employed | No | No | Yes | Present |
| 2000052487 | XXX |  | XXX | 04-XX-2025 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 26176.5 | 7.547 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26619.98 | Yes | Employed |  | No |  | No |  |
| 2000046806 | XXX |  | XXX | 04-XX-2025 | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 77344 | 7.822 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 25307.16 | Yes | Employed |  | No |  | No |  |
| 2000052120 | XXX |  | XXX | 04-XX-2025 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13504.25 | 7.385 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5513.67 | Yes | Employed | Not Employed | No | No | No |  |
| 2000053916 | XXX |  | XXX | 04-XX-2025 | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000054318 | XXX |  | XXX | 05-XX-2025 | 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 |
| 2000053792 | XXX |  | XXX | 04-XX-2025 | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000054226 | XXX |  | XXX | 05-XX-2025 | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 2000053419 | XXX |  | XXX | 04-XX-2025 | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000053171 | XXX |  | XXX | 04-XX-2025 | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000053332 | XXX |  | XXX | 04-XX-2025 | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000053364 | XXX |  | XXX | 04-XX-2025 | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000053743 | XXX |  | XXX | 04-XX-2025 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11065.25 | 8.175 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 32758.68 | N/A | Employed |  | No |  | No |  |
| 2000053393 | XXX |  | XXX | 04-XX-2025 | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 5200.25 | 9.069 | Yes | No | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6691.44 | Yes | Employed | Employed | No | No | No |  |
| 2000053728 | XXX |  | XXX | 04-XX-2025 | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | 153684.14 | Yes | Employed |  | No |  | Yes | Present |
| 2000053730 | XXX |  | XXX | 04-XX-2025 | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | N/A | 153683.55 | Yes | Employed |  | No |  | Yes | Present |
| 2000053734 | XXX |  | XXX | 04-XX-2025 | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | 163036.36 | Yes | Employed |  | No |  | Yes | Present |
| 2000053736 | XXX |  | XXX | 04-XX-2025 | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | 153695.45 | Yes | Employed |  | No |  | Yes | Present |
| 2000054146 | XXX |  | XXX | 04-XX-2025 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20539 | 8.192 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26069.24 | Yes | Employed |  | No |  | No |  |
| 2000054197 | XXX |  | XXX | 04-XX-2025 | 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 |
| 2000054262 | XXX |  | XXX | 05-XX-2025 | 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 |
| 2000054675 | XXX |  | XXX | 05-XX-2025 | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | Yes | N/A | 47026.12 | Yes | Employed |  | No |  | Yes | Present |
| 2000053574 | XXX |  | XXX | 04-XX-2025 | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000054697 | XXX |  | XXX | 05-XX-2025 | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 10294 | 9.751 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18462.13 | Yes | Employed |  | No |  | No |  |
| 2000055164 | XXX |  | XXX | 05-XX-2025 | 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 |
| 2000050824 | XXX |  | XXX | 03-XX-2025 | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| 2000051910 | XXX |  | XXX | 03-XX-2025 | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 29279.73 | N/A | Employed | Employed | No | No | Yes | Present |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 400081531 | XXX | XXX | XXX D A | Closed | FCRE5782 | 2024-10-11 12:49 | 2024-10-16 17:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-10/XX/2024 <br>Ready for Review-Document Uploaded. Please find the reissue report dated 9/XX/24 COE was 9/30 - Seller-10/XX/2024 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/XX/2024 | Ready for Review-Document Uploaded. Please find the reissue report dated 9/26/24 COE was 9/30 - Seller-10/14/2024<br>| Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-10/16/2024<br>| Months Reserves exceed minimum required - 18 months > 6 <br>Qualifying DTI below maximum allowed - 25% vs 50% max |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | WA | Investment | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 400083143 | XXX | XXX | XXX D A | Closed | FCOM1232 | 2024-11-01 11:30 | 2024-11-06 17:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Final 1003 provided. - Due Diligence Vendor-11/XX/2024 <br>Ready for Review-Document Uploaded. Please find the final 1003 for review. - Seller-11/XX/2024 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-11/XX/2024 | Ready for Review-Document Uploaded. Please find the final 1003 for review. - Seller-11/04/2024<br>| Resolved-Final 1003 provided. - Due Diligence Vendor-11/06/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 751 score exceeds 660 minimum required.<br>Qualifying DTI below maximum allowed - DTI is at 24.18%; max allowed DTI per guides is 50%. |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | CA | Primary Residence | Purchase | NA | N/A | N/A | XXX |
| 400091350 | XXX | XXX | XXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | CA | Primary Residence | Purchase | NA |  |  |  |
| 400098163 | XXX | XXX | XXX C B A | Closed | FCRE1194 | 2025-03-04 10:35 | 2025-03-10 15:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Document Uploaded. Originator waiver applied to non material finding with compensating factors - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-The appraiser does not determine per guides if property is rural or not, XX determines base on the review of the appraisal and MGMT determined the property not to be rural, please clear findings. - Seller-03/XX/2025 <br> Counter-Appraisal notes Rural-finding remains. - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-XX determined that this property is not rural based on location of property. Property is just outside a residential area, gas stations and schools, also within 24 minutes of XXX and XXX which are bigger cities. XX determines if we deem the property rural or not, please clear findings. - Seller-03/XX/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% Max LTV 75% for rural property - Due Diligence Vendor-03/XX/2025 | Ready for Review-The appraiser does not determine per guides if property is rural or not, XX determines base on the review of the appraisal and MGMT determined the property not to be rural, please clear findings. - Seller-03/10/2025 <br> Ready for Review-XX determined that this property is not rural based on location of property. Property is just outside a residential area, gas stations and schools, also within 24 minutes of XXX and XXX which are bigger cities. XX determines if we deem the property rural or not, please clear findings. - Seller-03/05/2025 | Waived-Document Uploaded. Originator waiver applied to non material finding with compensating factors - Due Diligence Vendor-03/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - MIn 660 Client qualified with a 816 credit score<br>Qualifying DTI below maximum allowed - Allowed to 55% closed under 35% | 816 fico<br> 35% DTI | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | TX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | XXX |
| 400098163 | XXX | XXX | XXX C B A | Closed | finding-3532 | 2025-02-28 16:11 | 2025-03-06 07:37 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received CD 2/XX/2025 with esign 2/XX/2025. Finding resolved.. - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. please find the initial CD for review. - Seller-03/XX/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. -----Initial CD 02/XX/2025 is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of 02/XX/2025. Statute of Limitations 3 years- Expiration date is 02/XX/2028. - Due Diligence Vendor-02/XX/2025 | Ready for Review-Document Uploaded. please find the initial CD for review. - Seller-03/05/2025<br>| Resolved-Received CD 2/XX/2025 with esign 2/XX/2025. Finding resolved.. - Due Diligence Vendor-03/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - MIn 660 Client qualified with a 816 credit score<br>Qualifying DTI below maximum allowed - Allowed to 55% closed under 35% |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | TX | Primary Residence | Purchase | NA | N/A | N/A | XXX |
| 400097078 | XXX | XXX | XXX C A | Closed | FCRE0042 | 2025-03-05 07:06 | 2025-03-10 16:03 | Resolved | 1 - Information C A | Credit | Eligibility | Florida Foreign National Affidavit is missing or incomplete | Resolved-Received ACH. - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. See uploaded FL foreign affidavits, both documents are executed. Please clear condition. - Seller-03/XX/2025 <br>Open-Florida Foreign National Affidavit is Missing or Incomplete. Florida Foreign National Affidavit not fully executed. - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. See uploaded FL foreign affidavits, both documents are executed. Please clear condition. - Seller-03/06/2025<br>| Resolved-Received ACH. - Due Diligence Vendor-03/10/2025<br>| Months Reserves exceed minimum required - Reqd 6 mos client has over 39 mos<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Dscr is 1.02 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | FL | Investment | Purchase | NA | N/A | N/A | XXX |
| 400098164 | XXX | XXX | XXX D A C | Closed | FCRE1152 | 2025-03-07 10:54 | 2025-03-13 16:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax rate/calculation. - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. A copy of the current property taxes showing the tax rate with the calculation for the purchase has been uploaded, please clear condition. - Seller-03/XX/2025 <br>Open-Missing Evidence of Property Tax based on borrowers and not current owners - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. A copy of the current property taxes showing the tax rate with the calculation for the purchase has been uploaded, please clear condition. - Seller-03/11/2025<br>| Resolved-Received tax rate/calculation. - Due Diligence Vendor-03/13/2025<br>| LTV is less than guideline maximum - LTV 52.12% is lower than maximum 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 784 is higher than the required 640 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | CA | Primary Residence | Purchase | NA | N/A | N/A | XXX |
| 400098164 | XXX | XXX | XXX D A C | Closed | finding-3532 | 2025-03-04 14:07 | 2025-03-12 08:15 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received evidence of receipt 2/XX/2025. Finding resolved. - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. CD issued 2/XX/2025 along with confirmation of receipt has been provided, please clear condition. - Seller-03/XX/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. Initial CD 02/XX/2025 is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of 02/XX/2025. Statute of Limitations 3 years- Expiration date is 02/XX/2028 - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. CD issued 2/xx/2025 along with confirmation of receipt has been provided, please clear condition. - Seller-03/11/2025 | Resolved-Received evidence of receipt 2/20/2025. Finding resolved. - Due Diligence Vendor-03/12/2025<br>| LTV is less than guideline maximum - LTV 52.12% is lower than maximum 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 784 is higher than the required 640 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | CA | Primary Residence | Purchase | NA | N/A | N/A | XXX |
| 400098150 | XXX | XXX | XXX D A C | Closed | FCRE1325 | 2025-03-07 00:42 | 2025-03-19 16:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received sufficient documentation confirming 100% owner and 2+ years self employment. - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. Business cert filed with the State of Texas shows it was filed in 2021, please clear condition. - Seller-03/XX/2025 <br>Counter-Per the guidelines, a Copy of the business license covering 2 years as of the date application or Tax Preparer Letter. - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. Per operating agreement borrower is the sole owner of the company, per the search uploaded it has been registered with the State of Texas since 2021. Please clear condition. - Seller-03/XX/2025 <br>Open-Borrower 1 CPA Letter Missing Provide the CPA letter that will support the ownership as well has how long the business has been open - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. Business cert filed with the State of Texas shows it was filed in 2021, please clear condition. - Seller-03/17/2025 <br>Ready for Review-Document Uploaded. Per operating agreement borrower is the sole owner of the company, per the search uploaded it has been registered with the State of Texas since 2021. Please clear condition. - Seller-03/12/2025<br>| Resolved-Received sufficient documentation confirming 100% owner and 2+ years self employment. - Due Diligence Vendor-03/19/2025<br>| LTV is less than guideline maximum - LTV 61.83% is lower than maximum 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 648 is higher than the required 600 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXX |
| 400098150 | XXX | XXX | XXX D A C | Closed | finding-3540 | 2025-03-06 11:36 | 2025-03-13 07:43 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received COC for 2/XX/2025, 2/XX/2025 and 2/XX/2025. Finding resolved. - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. Provided a copy of the COCs, please review. - Seller-03/XX/2025 <br>Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. -----Missing valid COC for applicable increases. Statute of Limitations 3 years- Expiration date is 02/XX/2028 - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. Provided a copy of the COCs, please review. - Seller-03/12/2025<br>| Resolved-Received COC for 2/XX/2025, 2/XX/2025 and 2/XX/2025. Finding resolved. - Due Diligence Vendor-03/13/2025 | LTV is less than guideline maximum - LTV 61.83% is lower than maximum 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 648 is higher than the required 600 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXX |
| 400098177 | XXX | XXX | XXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | TX | Investment | Refinance | Cash Out - Other |  |  |  |
| 400103289 | XXX | XXX | XXX C A | Closed | FCRE1194 | 2025-03-13 08:58 | 2025-04-10 14:20 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-03/XX/2025 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% Loan was locked DSCR PLUS max LTV 70% for cash out per matrix. - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. - Seller-03/13/2025<br>| Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-04/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 744 Min FICO = 700<br>Months Reserves exceed minimum required - Reserves = 28 months – Required Reserves = 6 Months |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | NJ | Investment | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 400103289 | XXX | XXX | XXX C A | Closed | FCRE0040 | 2025-03-11 14:05 | 2025-03-13 17:15 | Resolved | 1 - Information C A | Credit | Borrower | Borrower or Co Borrower Citizenship is Unknown | Resolved-1003 provided confirming citizenship - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-03/XX/2025 <br>Open-The Borrower or Co-borrowers' Citizenship status is Unknown. B1 - Citizenship status is Unknown - not marked on 1003 - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. - Seller-03/13/2025<br>| Resolved-1003 provided confirming citizenship - Due Diligence Vendor-03/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 744 Min FICO = 700<br>Months Reserves exceed minimum required - Reserves = 28 months – Required Reserves = 6 Months |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | NJ | Investment | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 2000051892 | XXX | XXX | XXX D A | Closed | FCRE7497 | 2025-05-06 13:17 | 2025-05-14 14:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-FPL provided for 3e. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. property was refi through XX and just closed uploaded the piti. - Seller-05/XX/2025 <br>Open-1. Missing verification of the free and clear status B1 REO 3e of the 1003<br> 2. Missing verification of tax and insurance for B1 REO 3e of the 1003 - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. property was refi through XX and just closed uploaded the piti. - Seller-05/12/2025<br>| Resolved-FPL provided for 3e. - Due Diligence Vendor-05/14/2025<br>| Qualifying DTI below maximum allowed - 50% allowed, 30.53% verified. <br>Qualifying FICO score is at least 20 points above minimum for program - 680 required, subject 761 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | TX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 2000051892 | XXX | XXX | XXX D A | Closed | FCRE1510 | 2025-05-06 08:44 | 2025-05-14 13:56 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Mortgage provided with legal description - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. DOT for review. - Seller-05/XX/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. The legal description is not attached to the Deed of Trust. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. DOT for review. - Seller-05/12/2025<br>| Resolved-Mortgage provided with legal description - Due Diligence Vendor-05/14/2025<br>| Qualifying DTI below maximum allowed - 50% allowed, 30.53% verified. <br>Qualifying FICO score is at least 20 points above minimum for program - 680 required, subject 761 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | TX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 2000052487 | XXX | XXX | XXX D A | Closed | FPRO1253 | 2025-05-12 14:23 | 2025-05-19 15:00 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review. Value Supported. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. DVR for review. please clear. - Seller-05/XX/2025 <br>Open-Additional valuation product has not been provided. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. DVR for review. please clear. - Seller-05/15/2025<br>| Resolved-Received Desk Review. Value Supported. - Due Diligence Vendor-05/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 764 is more than 20 points higher than the guideline min of 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 33.77 is less than the guideline max of 50. |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | TX | Primary Residence | Purchase | NA | N/A | N/A | XXX |
| 2000046806 | XXX | XXX | XXX D A | Closed | FCRE1254 | 2025-05-16 07:38 | 2025-06-16 12:38 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Open Coprporates shows that borrower and seller are not related - Due Diligence Vendor-06/XX/2025 <br>Counter-Received confirmation 2024 taxes paid. Missing 2. Provide the LLC documents for the Seller/builder so that it can be verified that there is no relationship between buyer and seller. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-06/XX/2025 <br>Ready for Review-document which is the final SS shows taxes are paid, also this is a combined SS showing sellers expenses. please clear findings. - Seller-06/XX/2025 <br>Counter-Received duplicate documentation-original finding remains. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. final SS showing payments. - Seller-06/XX/2025 <br>Open-Property Title Issue 1. Missing evidence that delinquent taxes noted in Schedule B1 Items 9 and 10 were paid. Per title, taxes for the year 2024 are a lien due, payable and now delinquent.<br> 2. Provide the LLC documents for the Seller/builder so that it can be verified that there is no relationship between buyer and seller.<br> - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025 <br>Ready for Review-document which is the final SS shows taxes are paid, also this is a combined SS showing sellers expenses. please clear findings. - Seller-06/09/2025 <br>Ready for Review-Document Uploaded. final SS showing payments. - Seller-06/06/2025<br>| Resolved-Open Coprporates shows that borrower and seller are not related - Due Diligence Vendor-06/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 801 FICO exceeds 700 minimum required.<br>LTV is less than guideline maximum - 73.08% LTV is less than 80% maximum. |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TN | Primary Residence | Purchase | NA | N/A | N/A | XXX |
| 2000046806 | XXX | XXX | XXX D A | Closed | FCRE1440 | 2025-05-16 09:28 | 2025-06-13 11:20 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Verification of rent and lease provided. - Due Diligence Vendor-06/XX/2025 <br> Counter-VOR required-reviewer is unable to confirm notes received. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-They moved in July XX which the rent would be prorated for the month which is why they only paid $XX. <br>6/28 they paid security deposit of $XX (before they moved in on 7/XX).<br>All payments were made on 1st of the month moving forward. <br>8/XX - $XX<br> 9/XX - XX<br> 9/XX - XX (10/XX payment)<br> 11/XX-XX<br> 12/XX - XX<br> 1/XX - XX<br> 2/XX - XX<br> 3/XX- XX<br> 4/XX - XX<br>The borrower made 10/X payment on 9/XX which is why it shows a "credit" of $XX (see ledger). They were then charged the $XX on 10/XX and if you look at the payment ledger it shows 0 like all the other payments because they were given credit for the payment that was made on 9/XX. There was no reverse payment. The payment was made before they were "charged" for the month. <br> Please clear findings. <br> - Seller-06/XX/2025 <br> Counter-Documentation received is insufficient. Ledger reflects smaller payment in July and reversed payment in Sept. Original finding remains. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-Document Uploaded. per guides the payment ledger matches the lease payments so clear. - Seller-05/XX/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing rental verification meeting guideline requirements. File includes copy of lease and an account ledger for 12 months. Guidelines require Legible copy of canceled checks (front and back) or money orders – amount of checks / money orders must be consistent and match the amount of monthly rent reflected on the 1003, Verification of Rent (VOR) or a rating from credit reporting agency if from rental agency, or Bank statements which consistently show payment made for rent amount. - Due Diligence Vendor-05/XX/2025 | Ready for Review-They moved in July XX which the rent would be prorated for the month which is why they only paid $XXX. <br>6/XX they paid security deposit of XXX (before they moved in on 7/XX).<br>All payments were made on 1st of the month moving forward. <br>8/XX - XXX<br> 9/XX - XXX<br> 9/XX - XX (10/XX payment)<br> 11/XX - XX<br> 12/XX - XX<br> 1/XX - XX<br> 2/XX - XX<br> 3/XX- XX<br> 4/XX - XX<br>The borrower made 10/XX payment on 9/XX which is why it shows a "credit" of $XXX (see ledger). They were then charged the $XXX on 10/xx and if you look at the payment ledger it shows 0 like all the other payments because they were given credit for the payment that was made on 9/XX. There was no reverse payment. The payment was made before they were "charged" for the month. <br> Please clear findings. <br> - Seller-06/05/2025 <br> Ready for Review-Document Uploaded. per guides the payment ledger matches the lease payments so clear. - Seller-05/19/2025 | Resolved-Verification of rent and lease provided. - Due Diligence Vendor-06/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 801 FICO exceeds 700 minimum required.<br>LTV is less than guideline maximum - 73.08% LTV is less than 80% maximum. |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TN | Primary Residence | Purchase | NA | N/A | N/A | XXX |
| 2000046806 | XXX | XXX | XXX D A | Closed | FCRE1506 | 2025-05-16 11:01 | 2025-06-13 11:19 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-06/XX/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending income documents. - Due Diligence Vendor-05/XX/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-06/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 801 FICO exceeds 700 minimum required.<br>LTV is less than guideline maximum - 73.08% LTV is less than 80% maximum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TN | Primary Residence | Purchase | NA | N/A | N/A | XXX |
| 2000046806 | XXX | XXX | XXX D A | Closed | FCRE1292 | 2025-05-16 10:58 | 2025-05-21 14:20 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 1 Months Income Verified is Missing | Resolved-Received business bank statement. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. uploaded the may stmt. - Seller-05/XX/2025 <br>Open-Income 1 Months Income Verified is Missing Missing May 2024 statement. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. uploaded the may stmt. - Seller-05/19/2025<br>| Resolved-Received business bank statement. - Due Diligence Vendor-05/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 801 FICO exceeds 700 minimum required.<br>LTV is less than guideline maximum - 73.08% LTV is less than 80% maximum. |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TN | Primary Residence | Purchase | NA | N/A | N/A | XXX |
| 2000046806 | XXX | XXX | XXX D A | Closed | FCRE1964 | 2025-05-16 08:25 | 2025-05-21 14:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received website confirming business nature. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. borrowers line of biz please clear findings. - Seller-05/XX/2025 <br>Open-Missing documentation of borrower's line of business to determine expense factor to be used. Audit used 30% per lender's worksheet. Additional findings may apply. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. borrowers line of biz please clear findings. - Seller-05/19/2025<br>| Resolved-Received website confirming business nature. - Due Diligence Vendor-05/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 801 FICO exceeds 700 minimum required.<br>LTV is less than guideline maximum - 73.08% LTV is less than 80% maximum. |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TN | Primary Residence | Purchase | NA | N/A | N/A | XXX |
| 2000046806 | XXX | XXX | XXX D A | Closed | FPRO1253 | 2025-05-16 07:58 | 2025-05-21 14:12 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. DVR for review. - Seller-05/XX/2025 <br>Open-Additional valuation product has not been provided. Missing secondary evaluation per guides. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. DVR for review. - Seller-05/19/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-05/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 801 FICO exceeds 700 minimum required.<br>LTV is less than guideline maximum - 73.08% LTV is less than 80% maximum. |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TN | Primary Residence | Purchase | NA | N/A | N/A | XXX |
| 2000052120 | XXX | XXX | XXX C A | Closed | FCRE0044 | 2025-05-19 10:37 | 2025-05-22 14:18 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. Please find the LOX for review. - Seller-05/XX/2025 <br>Open-LOX for credit inquiries is missing. Missing LOX for inquiry dated 1/XX/2025 - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. Please find the LOX for review. - Seller-05/21/2025<br>| Resolved-Received credit inquiry LOE. - Due Diligence Vendor-05/22/2025<br>| Months Reserves exceed minimum required - Guidelines require 0 months of reserves. Qualifying reserves are 29 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 640 credit score. Qualifying credit score is 786. |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 2000053916 | XXX | XXX | XXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | TN | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000054318 | XXX | XXX | XXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | MI | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000053792 | XXX | XXX | XXX D B C A | Closed | FCRE0969 | 2025-05-21 13:44 | 2025-06-16 13:25 | Resolved | 1 - Information C A | Credit | Closing | Prepayment Penalty Issue | Resolved-Required language regarding governing laws of Maryland is contained within the Mortgage/Deed of Trust. - Due Diligence Vendor-06/XX/2025 <br>Counter-Documentation received is insufficient-finding remains. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-DISAGREE: As outlined below, XXpress is not a "credit grantor" under the definition presented in MD Commercial Code Title 12, Subtitle 10, Section 12-1001(g)(2)(ii). We are licensed under the Maryland Mortgage Lender Law (and therefore not exempt) and we do not fund second liens. Therefore, we do not meet the requirements to be considered a credit grantor and this provision does not apply to us. - Seller-06/XX/2025 <br>Counter-Even if they are licensed under the Maryland Mortgage Lender Law, they must still include the required specific language on the Note as this subtitle outlines the legal requirements for credit grantors, including the disclosure of certain information to the borrowers in the note. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-DISAGREE: Per MD Commercial Code Title 12, Subtitle 10, Section 12-1001(g)(2)(ii), a credit grantor is an entity that is exempt from licensing under the Maryland Mortgage Lender Law and is providing credit for a second lien. Neither of those conditions applies to this loan or to the lending activity of XXpress in general, as XXpress is a licensed entity under the Maryland Mortgage Lender Law and only provides credit for first liens. - Seller-06/XX/2025 <br>Counter-Documentation received is insufficient-original finding remains. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Please provide a citation to the statute requiring this verbiage to be printed on a MD loan vesting in a legal entity. We reviewed the Title 12, Subtitle 10 of the Maryland Commercial Law Statutes and we not finding a specific verbiage requirement. - Seller-05/XX/2025 <br>Open-MD requires specific language "This loan is made pursuant to Title 12, Subtitle 10 of the Maryland Commercial Law Article for Credit Grantor Closed-End Credit " or the "Governing Laws' paragraph. This verbiage was not identified on the note or the PPP addendum. - Due Diligence Vendor-05/XX/2025 | Ready for Review-DISAGREE: As outlined below, XXpress is not a "credit grantor" under the definition presented in MD Commercial Code Title 12, Subtitle 10, Section 12-1001(g)(2)(ii). We are licensed under the Maryland Mortgage Lender Law (and therefore not exempt) and we do not fund second liens. Therefore, we do not meet the requirements to be considered a credit grantor and this provision does not apply to us. - Seller-06/05/2025 <br>Ready for Review-DISAGREE: Per MD Commercial Code Title 12, Subtitle 10, Section 12-1001(g)(2)(ii), a credit grantor is an entity that is exempt from licensing under the Maryland Mortgage Lender Law and is providing credit for a second lien. Neither of those conditions applies to this loan or to the lending activity of XXpress in general, as XXpress is a licensed entity under the Maryland Mortgage Lender Law and only provides credit for first liens. - Seller-06/04/2025 <br>Ready for Review-Please provide a citation to the statute requiring this verbiage to be printed on a MD loan vesting in a legal entity. We reviewed the Title 12, Subtitle 10 of the Maryland Commercial Law Statutes and we not finding a specific verbiage requirement. - Seller-05/23/2025<br>| Resolved-Required language regarding governing laws of Maryland is contained within the Mortgage/Deed of Trust. - Due Diligence Vendor-06/16/2025<br>| Months Reserves exceed minimum required - 6 months required, 12 months verified. <br>Qualifying FICO score is at least 20 points above minimum for program - 700 required, subject 802 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | MD | Investment | Purchase | NA | N/A | N/A | XXX |
| 2000053792 | XXX | XXX | XXX D B C A | Closed | FCRE0104 | 2025-05-21 13:54 | 2025-06-05 16:04 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-Prepay has issues finding is open. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-DISAGREE: Per MD Commercial Code Title 12, Subtitle 10, Section 12-1001(g)(2)(ii), a credit grantor is an entity that is exempt from licensing under the Maryland Mortgage Lender Law and is providing credit for a second lien. Neither of those conditions applies to this loan or to the lending activity of XXpress in general, as XXpress is a licensed entity under the Maryland Mortgage Lender Law and only provides credit for first liens. - Seller-06/XX/2025 <br>Counter-Documentation received is insufficient-original finding remains. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Please provide a citation to the statute requiring this verbiage to be printed on a MD loan vesting in a legal entity. We reviewed the Title 12, Subtitle 10 of the Maryland Commercial Law Statutes and we not finding a specific verbiage requirement. - Seller-05/XX/2025 <br>Open-Prepayment Penalty is not allowed. MD requires specific language "This loan is made pursuant to Title 12, Subtitle 10 of the Maryland Commercial Law Article for Credit Grantor Closed-End Credit " or the "Governing Laws' paragraph. This verbiage was not identified on the note or the PPP addendum. - Due Diligence Vendor-05/XX/2025 | Ready for Review-DISAGREE: Per MD Commercial Code Title 12, Subtitle 10, Section 12-1001(g)(2)(ii), a credit grantor is an entity that is exempt from licensing under the Maryland Mortgage Lender Law and is providing credit for a second lien. Neither of those conditions applies to this loan or to the lending activity of XXpress in general, as XXpress is a licensed entity under the Maryland Mortgage Lender Law and only provides credit for first liens. - Seller-06/04/2025 <br>Ready for Review-Please provide a citation to the statute requiring this verbiage to be printed on a MD loan vesting in a legal entity. We reviewed the Title 12, Subtitle 10 of the Maryland Commercial Law Statutes and we not finding a specific verbiage requirement. - Seller-05/23/2025<br>| Resolved-Prepay has issues finding is open. - Due Diligence Vendor-06/05/2025<br>| Months Reserves exceed minimum required - 6 months required, 12 months verified. <br>Qualifying FICO score is at least 20 points above minimum for program - 700 required, subject 802 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | MD | Investment | Purchase | NA | N/A | N/A | XXX |
| 2000053792 | XXX | XXX | XXX D B C A | Closed | FCRE0068 | 2025-05-20 11:33 | 2025-05-28 15:46 | Waived | 2 - Non-Material C B | Credit | Closing | Remaining Equity is less than $40,000 which does not meet guideline requirement | Waived-Originator provided a waiver remaining equity <$40,000 applied to non material finding with comp factors - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. Document provided, please clear. - Seller-05/XX/2025 <br>Counter-Please provide complete exception request form. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. Credit exception for the minimum equity has been provided, please clear condition. - Seller-05/XX/2025 <br>Open-Remaining equity is less than $40,000 which does not meet guideline requirement. Per the applicable guidelines $40,000 cash equity is required per transaction. The subject transaction has $34,500 in cash equity which does not meet guideline requirements. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. Document provided, please clear. - Seller-05/27/2025 <br>Ready for Review-Document Uploaded. Credit exception for the minimum equity has been provided, please clear condition. - Seller-05/23/2025<br>| Waived-Originator provided a waiver remaining equity <$40,000 applied to non material finding with comp factors - Due Diligence Vendor-05/28/2025<br>| Months Reserves exceed minimum required - 6 months required, 12 months verified. <br>Qualifying FICO score is at least 20 points above minimum for program - 700 required, subject 802 | FICO: 801<br> Years at residenct: 8<br> Credit: 0x30 for 346 months | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | MD | Investment | Purchase | NA | Originator Post-Close | Yes | XXX |
| 2000053792 | XXX | XXX | XXX D B C A | Closed | FPRO1253 | 2025-05-20 11:33 | 2025-05-27 13:27 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. DVR supports the appraisal value, copy nhas been provided. Please clear condition. - Seller-05/XX/2025 <br>Open-Additional valuation product has not been provided. The second valuation product was not identified in the file. There is a CU but the score is 3.8 which does not meet guidelines. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. DVR supports the appraisal value, copy nhas been provided. Please clear condition. - Seller-05/23/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-05/27/2025<br>| Months Reserves exceed minimum required - 6 months required, 12 months verified. <br>Qualifying FICO score is at least 20 points above minimum for program - 700 required, subject 802 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | MD | Investment | Purchase | NA | N/A | N/A | XXX |
| 2000054226 | XXX | XXX | XXX D A | Closed | FPRO1255 | 2025-05-21 10:18 | 2025-06-26 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Per questionnaire subject unit not affected, additionally per appraisal, total gut rehabilitation in 2021. No additional documentation is required - Due Diligence Vendor-06/XX/2025 <br>Counter-Received HOA Questionnaire-\*NEW\* Condo questionnaire indicates asbestos noted within project. Ineligible project. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-XX guidelines for InvestorX program allow for non-warrantable condos. No exception is required for non-warrantable condo. Please clear finding. - Seller-06/XX/2025 <br>Counter-Documentation is insufficient-any sign of asbestos in the project would make the project non-warrantable. Missing evidence that unit 224 asbestos has been remedied. If this cannot be provided, an exception would be needed to allow non-warrantable condo. Guide only allow non-warrantable due to commercial space, the project operates as a condotel, investor concentration is over 50% or there is pending litigation or insurance limitations. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-The HOA states that Asbestos was reported in the ceiling of unit 224. The appraiser noted that the "subject property experienced a gut rehabilitation in 2021". Any gut rehabilitation required full abatement of any asbestos present. Additionally, pictures taken by the appraiser and included in the rental listing on the appraisal show that as part of the rehabilitation, the ceilings in the unit were replaced. Please clear finding. - Seller-05/XX/2025 <br>Counter-Documentation is insufficient-the presents of hazard such as asbestos are ineligible. Provide confirmation property has been remedied. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Per the comments, it was unit 242; A. (10): Asbestos- unit 242 reported asbestos found in ceiling. Other units could have similar composition ceilings and testing and remedy are at the expense<br> of individual owners. - Seller-05/XX/2025 <br>Counter-Received HOA questionnaire-subject property noted as containing Asbestos (#10)-acceptable confirmation subject property has remedied for condo warrantability. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. Condo questionnaire has been provided, please clear condition. - Seller-05/XX/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Subject Property is part of an HOA but the HOA Questionnaire Document and evidence of project approval are Missing. - Due Diligence Vendor-05/XX/2025 | Ready for Review-XX guidelines for InvestorX program allow for non-warrantable condos. No exception is required for non-warrantable condo. Please clear finding. - Seller-06/05/2025 <br>Ready for Review-The HOA states that Asbestos was reported in the ceiling of unit 224. The appraiser noted that the "subject property experienced a gut rehabilitation in 2021". Any gut rehabilitation required full abatement of any asbestos present. Additionally, pictures taken by the appraiser and included in the rental listing on the appraisal show that as part of the rehabilitation, the ceilings in the unit were replaced. Please clear finding. - Seller-05/29/2025 <br>Ready for Review-Per the comments, it was unit 242; A. (10): Asbestos- unit 242 reported asbestos found in ceiling. Other units could have similar composition ceilings and testing and remedy are at the expense<br> of individual owners. - Seller-05/27/2025 <br>Ready for Review-Document Uploaded. Condo questionnaire has been provided, please clear condition. - Seller-05/23/2025<br>| Resolved-Per questionnaire subject unit not affected, additionally per appraisal, total gut rehabilitation in 2021. No additional documentation is required - Due Diligence Vendor-06/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 726 is more than 20 points higher than the guideline min of 680.<br>DSCR % greater than 1.20 - Qualifying DSCR is 1.33. |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | HI | Investment | Purchase | NA | N/A | N/A | XXX |
| 2000053419 | XXX | XXX | XXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | NH | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000053171 | XXX | XXX | XXX C A | Closed | FCRE1198 | 2025-05-23 08:17 | 2025-06-16 14:44 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Evidence of the $100K EMD was provided. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Document Uploaded. Looks like you are missing the EMD of $150k attached is the worksheet from UW - Seller-06/XX/2025 <br> Counter-Reviewer has the following assets: XX. Only 4.24 reserves after closing. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-can you please provide a breakdown for the calculation of assets as we show the borrower having enough funds. - Seller-06/XX/2025 <br> Counter-Received duplicate documentation-original finding remains. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Document Uploaded. also 1008 and the assets included. - Seller-06/XX/2025 <br> Ready for Review-Hi can you provide an asset breakdown of the assets you are calculating. the assets in file are all seasoned business accounts? - Seller-06/XX/2025 <br> Open-Audited Reserves of 4.24 month(s) are less than Guideline Required Reserves of 6 month(s) Subject DSCR score 0.88, 4mos reserves documented, and LTV 61.2% (<=65% LTV, no reserves required). Per guides pg123: DSCR under 1.00 requires 6 months reserves. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. Looks like you are missing the EMD of $150k attached is the worksheet from UW - Seller-06/16/2025 <br>Ready for Review-can you please provide a breakdown for the calculation of assets as we show the borrower having enough funds. - Seller-06/09/2025 <br>Ready for Review-Document Uploaded. also 1008 and the assets included. - Seller-06/05/2025 <br>Ready for Review-Hi can you provide an asset breakdown of the assets you are calculating. the assets in file are all seasoned business accounts? - Seller-06/05/2025<br>| Resolved-Evidence of the $100K EMD was provided. - Due Diligence Vendor-06/16/2025<br>| On time mortgage history exceeds guideline requirement - Borrs 93mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 730. Per guides, minimum score required 640. |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | HI | Investment | Purchase | NA | N/A | N/A | XXX |
| 2000053332 | XXX | XXX | XXX C A | Closed | FCOM1221 | 2025-05-23 11:58 | 2025-06-02 14:42 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received legal - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. final DOT with legal - Seller-05/XX/2025 <br>Open-The Deed of Trust is Incomplete Missing legal description - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. final DOT with legal - Seller-05/29/2025<br>| Resolved-Received legal - Due Diligence Vendor-06/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 718. Per guides, minimum score required 620.<br>Months Reserves exceed minimum required - 38.6mos reserves. Per guides, 3 reserves required. |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 2000053364 | XXX | XXX | XXX C A | Closed | FCRE8701 | 2025-05-23 11:37 | 2025-06-25 09:43 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-EIN number not required per guides. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. per guides we do not require EIN anymore please see attached - Seller-06/XX/2025 <br>Counter-Received FL electronic filing-missing EIN - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. doc formation - Seller-06/XX/2025 <br>Counter-Detail by Entity Name is not for the vesting business. Finding Remains. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Please re review, the EIN number is on the page. please clear. - Seller-06/XX/2025 <br>Counter-Received SOS-missing EIN - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. please find the entity formation - Seller-05/XX/2025 <br>Open-The Business Entity Formation Document is Missing - Missing Business Entity Formation; Per Division of Corporations FEI/EIN Number is NONE. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. per guides we do not require EIN anymore please see attached - Seller-06/24/2025 <br>Ready for Review-Document Uploaded. doc formation - Seller-06/17/2025 <br>Ready for Review-Please re review, the EIN number is on the page. please clear. - Seller-06/05/2025 <br>Ready for Review-Document Uploaded. please find the entity formation - Seller-05/28/2025<br>| Resolved-EIN number not required per guides. - Due Diligence Vendor-06/25/2025<br>| Months Reserves exceed minimum required - 45.43mos reserves. Per guides, 6 reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 729. Per guides, minimum score required 640. |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXX |
| 2000053743 | XXX | XXX | XXX C A | Closed | finding-3532 | 2025-05-22 16:48 | 2025-05-29 12:12 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received e-signed copy of initial CD 5/XX/25 confirming it was provided to borrower three days prior to closing date of 5/XX/25. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. initial CD for review. - Seller-05/XX/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. Initial CD 5/XX/2025 is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of 5/XX/2025. Provide proof of delivery for CD 5/XX/25. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. initial CD for review. - Seller-05/28/2025<br>| Resolved-Received e-signed copy of initial CD 5/XX/25 confirming it was provided to borrower three days prior to closing date of 5/XX/25. - Due Diligence Vendor-05/29/2025 | Months Reserves exceed minimum required - 17.2mos reserves. Per guides, 3 reserves required.<br>Qualifying DTI below maximum allowed - Borr DTI 18.34%. Per guides, maximum DTI 50%. |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | MI | Primary Residence | Purchase | NA | N/A | N/A | XXX |
| 2000053393 | XXX | XXX | XXX D A | Closed | FCRE1348 | 2025-05-28 14:22 | 2025-06-17 07:02 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Total Years Employment Verified is Less Than 24 Months | Resolved-The loan file contains 2023 partnership, extension for filing of 2024 taxes and 2024 P&L and 2025 YTD P&L, which verified two years of employment history. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-2024 income taxes do not need to be filed to verify 2 years of employment. Borrower provided 2024 P&L and 2025 YTD P&L as well as extension for filing of 2024 taxes. Please clear finding. - Seller-06/XX/2025 <br>Counter-B2 employment not consistent on 1003 based on K-1s. Acquired percentage of ownership in 2023. 2024 income not filed-need complete 24 months employment for B2. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-1/2023 to 4/2025 is over 24 months, please clear condition. - Seller-05/XX/2025 <br>Open-Borrower 2 Total Years Employment Verified is Less Than 24 Months B2 was not an owner of the business until 2023, one year. - Due Diligence Vendor-05/XX/2025 | Ready for Review-2024 income taxes do not need to be filed to verify 2 years of employment. Borrower provided 2024 P&L and 2025 YTD P&L as well as extension for filing of 2024 taxes. Please clear finding. - Seller-06/13/2025 <br>Ready for Review-1/2023 to 4/2025 is over 24 months, please clear condition. - Seller-05/30/2025<br>| Resolved-The loan file contains 2023 partnership, extension for filing of 2024 taxes and 2024 P&L and 2025 YTD P&L, which verified two years of employment history. - Due Diligence Vendor-06/17/2025<br>| Months Reserves exceed minimum required - Zero required, 71 verified. <br>LTV is less than guideline maximum - 65 allowed, 35.92 verified |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 2000053393 | XXX | XXX | XXX D A | Closed | FCRE1364 | 2025-05-28 14:22 | 2025-06-06 16:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T/4506-C is Missing | Resolved-Received 4506C - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Here is the correct 4506-c, please clear condition. - Seller-06/XX/2025 <br>Counter-4506 reflects only 2023 - need 2 years reflecting. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. 4506C executed by both borrowers has been provided, please clear condition. - Seller-05/XX/2025 <br>Open-Borrower 2 Executed 4506-T/4506-C is Missing The 4506-C for the co-borrower was not identified in the file. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. Here is the correct 4506-c, please clear condition. - Seller-06/04/2025 <br>Ready for Review-Document Uploaded. 4506C executed by both borrowers has been provided, please clear condition. - Seller-05/30/2025<br>| Resolved-Received 4506C - Due Diligence Vendor-06/06/2025<br>| Months Reserves exceed minimum required - Zero required, 71 verified. <br>LTV is less than guideline maximum - 65 allowed, 35.92 verified |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 2000053393 | XXX | XXX | XXX D A | Closed | FCOM1290 | 2025-05-28 10:31 | 2025-06-02 08:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | Undiscounted Rate is Missing | Resolved-Received undiscounted rate of 8.75. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Undiscounted information has been provided, please clear condition. - Seller-05/XX/2025 <br>Open-Undiscounted Rate is Missing - This is the interest rate available to the borrower based on the borrower's particular credit profile and loan characteristics, before any discount points are applied. Unable to test QM points and fees properly. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. Undiscounted information has been provided, please clear condition. - Seller-05/30/2025<br>| Resolved-Received undiscounted rate of 8.75. - Due Diligence Vendor-06/02/2025<br>| Months Reserves exceed minimum required - Zero required, 71 verified. <br>LTV is less than guideline maximum - 65 allowed, 35.92 verified |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 2000053393 | XXX | XXX | XXX D A | Closed | finding-3393 | 2025-05-28 08:27 | 2025-06-02 08:06 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved-Received undiscounted rate of 8.75. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Undiscounted information has been provided, please clear condition. - Seller-05/XX/2025 <br>Open------ Tolerance violation exceeds allowable by $189.37, and due to Federal or Section 32 High-Cost, the overage is not curable. Provide the undiscounted rate for further testing. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. Undiscounted information has been provided, please clear condition. - Seller-05/30/2025<br>| Resolved-Received undiscounted rate of 8.75. - Due Diligence Vendor-06/02/2025<br>| Months Reserves exceed minimum required - Zero required, 71 verified. <br>LTV is less than guideline maximum - 65 allowed, 35.92 verified |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 2000053393 | XXX | XXX | XXX D A | Closed | finding-3399 | 2025-05-28 08:27 | 2025-06-02 08:06 | Resolved | 1 - Information C A | Compliance | Disclosure | High-Cost Mortgage Timing of Disclosure Test | Resolved-Received undiscounted rate of 8.75. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Undiscounted information has been provided, please clear condition. - Seller-05/XX/2025 <br>Open------ Tolerance violation exceeds allowable by $189.37, and due to Federal or Section 32 High-Cost, the overage is not curable. Provide the undiscounted rate for further testing. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. Undiscounted information has been provided, please clear condition. - Seller-05/30/2025<br>| Resolved-Received undiscounted rate of 8.75. - Due Diligence Vendor-06/02/2025<br>| Months Reserves exceed minimum required - Zero required, 71 verified. <br>LTV is less than guideline maximum - 65 allowed, 35.92 verified |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 2000053393 | XXX | XXX | XXX D A | Closed | finding-3406 | 2025-05-28 08:27 | 2025-06-02 08:06 | Resolved | 1 - Information C A | Compliance | Disclosure | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-Received undiscounted rate of 8.75. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Undiscounted information has been provided, please clear condition. - Seller-05/XX/2025 <br>Open------ Tolerance violation exceeds allowable by $189.37, and due to Federal or Section 32 High-Cost, the overage is not curable. Provide the undiscounted rate for further testing. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. Undiscounted information has been provided, please clear condition. - Seller-05/30/2025<br>| Resolved-Received undiscounted rate of 8.75. - Due Diligence Vendor-06/02/2025<br>| Months Reserves exceed minimum required - Zero required, 71 verified. <br>LTV is less than guideline maximum - 65 allowed, 35.92 verified |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 2000053393 | XXX | XXX | XXX D A | Closed | finding-3408 | 2025-05-28 08:27 | 2025-06-02 08:06 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved-Received undiscounted rate of 8.75. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Undiscounted information has been provided, please clear condition. - Seller-05/XX/2025 <br>Open------ Tolerance violation exceeds allowable by $189.37, and due to Federal or Section 32 High-Cost, the overage is not curable. Provide the undiscounted rate for further testing. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. Undiscounted information has been provided, please clear condition. - Seller-05/30/2025<br>| Resolved-Received undiscounted rate of 8.75. - Due Diligence Vendor-06/02/2025<br>| Months Reserves exceed minimum required - Zero required, 71 verified. <br>LTV is less than guideline maximum - 65 allowed, 35.92 verified |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 2000053728 | XXX | XXX | XXX D A | Closed | FCRE1764 | 2025-05-29 12:02 | 2025-06-04 10:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-First payment letters provided. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. 1st payment letters have been provided for the 2 units, please clear condition. - Seller-06/XX/2025 <br>Open-The notes and HUD-1s from the simultaneous closings of property 3A units B, C and D are required to verify the payments for those mortgages. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. 1st payment letters have been provided for the 2 units, please clear condition. - Seller-06/03/2025<br>| Resolved-First payment letters provided. - Due Diligence Vendor-06/04/2025<br>| Qualifying DTI below maximum allowed - 50% maximum, subject 42.35%<br>Months Reserves exceed minimum required - 6 months required, 133.42 months verified. |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | TX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 2000053728 | XXX | XXX | XXX D A | Closed | FCRE0360 | 2025-05-29 11:44 | 2025-06-04 10:31 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Mortgage (VOM) Document and first payment letters provided. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. VOMs and 1st payment letters have been provided for the 3 units, please clear condition. - Seller-06/XX/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The verifications of mortgage for property 3A Units B, C, and D were not identified in the file. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. VOMs and 1st payment letters have been provided for the 3 units, please clear condition. - Seller-06/03/2025<br>| Resolved-Verification of Mortgage (VOM) Document and first payment letters provided. - Due Diligence Vendor-06/04/2025<br>| Qualifying DTI below maximum allowed - 50% maximum, subject 42.35%<br>Months Reserves exceed minimum required - 6 months required, 133.42 months verified. |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | TX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 2000053730 | XXX | XXX | XXX C A | Closed | FCRE0360 | 2025-05-30 06:57 | 2025-06-04 10:15 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Mortgage (VOM) Document and 1st payment letters were provided. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. VOMs and 1st payment letters have been provided for the 3 units, please clear condition. - Seller-06/XX/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The verifications of mortgage for property 3a Units A, C, and D were not identified in the file. These are required. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. VOMs and 1st payment letters have been provided for the 3 units, please clear condition. - Seller-06/03/2025<br>| Resolved-Verification of Mortgage (VOM) Document and 1st payment letters were provided. - Due Diligence Vendor-06/04/2025<br>| Qualifying DTI below maximum allowed - 50% allowed, 42.35% verified<br>Months Reserves exceed minimum required - 6 months required, subject 144.91 verified. |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | TX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 2000053734 | XXX | XXX | XXX C A | Closed | FCRE0360 | 2025-05-29 15:04 | 2025-06-04 10:22 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Mortgage (VOM) Document and first payment letters were provided. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. VOMs and 1st payment letters for Units A, B and D have been provided along with the 1st payment letter for A&B and C&D xx. Per gap report xx loans (business loans) are paid as agreed.<br>- Seller-06/XX/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Verifications of mortgage payment for property 3A Marjorie units A, B, and D. Additionally the first payments for the xx C-D and xx A-B mortgages was not identified in the file. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. VOMs and 1st payment letters for Units xx have been provided along with the 1st payment letter for xxn. Per gap report xx loans (business loans) are paid as agreed.<br>- Seller-06/03/2025 | Resolved-Verification of Mortgage (VOM) Document and first payment letters were provided. - Due Diligence Vendor-06/04/2025<br>| Months Reserves exceed minimum required - Reserves are 133 mo's vs program min required of 6 mo's. <br>Qualifying DTI below maximum allowed - DTI is < 43% with max allowed to 50% |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | TX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 2000053736 | XXX | XXX | XXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | TX | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000054146 | XXX | XXX | XXX D B A | Closed | FCRE1278 | 2025-05-29 11:14 | 2025-06-11 18:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Escrow waiver guidelines were not met | Waived-Originator exception granted to allow escrow waiver. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Credit exception for escrow waiver has been provided, please clear condition. - Seller-06/XX/2025 <br>Counter-Documentation is insufficient-escrows are required unless specifically defined by State. Exception required for waiving escrows. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-The State of Michigan does not require taxes and insurance to be escrowed. Please clear condition. - Seller-06/XX/2025 <br>Counter-Documentation received is insufficient-guidelines reflect-Required for all loans where allowed by law. Original finding remains. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-There isn't a Michigan law that universally requires lenders to use escrow accounts for mortgage loans. Please clear condition. - Seller-05/XX/2025 <br>Open-Escrows required but waived. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. Credit exception for escrow waiver has been provided, please clear condition. - Seller-06/09/2025 <br>Ready for Review-The State of Michigan does not require taxes and insurance to be escrowed. Please clear condition. - Seller-06/04/2025 <br>Ready for Review-There isn't a Michigan law that universally requires lenders to use escrow accounts for mortgage loans. Please clear condition. - Seller-05/30/2025<br>| Waived-Originator exception granted to allow escrow waiver. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/11/2025<br>| Months Reserves exceed minimum required - 49.44mos reserves. Per guides, 6 reserves required <br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 710. Per guides, minimum score required 680.<br>Qualifying DTI below maximum allowed - Borr DTI 30.84%. Per guides, maximum DTI 50%. | 49 months reserves<br> 29.90% DTI<br> 15 years at current address. | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | MI | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXX |
| 2000054146 | XXX | XXX | XXX D B A | Closed | FCRE6777 | 2025-05-29 11:18 | 2025-06-03 16:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Acreage exceeds guidelines | Waived-Originator provided a waiver allow 10.01 acres, applied to non material finding with comp factors - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Credit exception for the acreage has been provided, please clear condition. - Seller-05/XX/2025 <br>Open-Subject is 10.01 acres, max acres 10.00. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. Credit exception for the acreage has been provided, please clear condition. - Seller-05/30/2025<br>| Waived-Originator provided a waiver allow 10.01 acres, applied to non material finding with comp factors - Due Diligence Vendor-06/03/2025<br>| Months Reserves exceed minimum required - 49.44mos reserves. Per guides, 6 reserves required <br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 710. Per guides, minimum score required 680.<br>Qualifying DTI below maximum allowed - Borr DTI 30.84%. Per guides, maximum DTI 50%. | DTI: 26.13%<br> Long time at present address: 15 years<br> Long time with employer: 34 years | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | MI | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXX |
| 2000054146 | XXX | XXX | XXX D B A | Closed | FCRE1202 | 2025-05-29 11:32 | 2025-06-03 16:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received complete fraud report. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Complete fraud report has been provided, please clear condition. - Seller-05/XX/2025 <br>Open-Third Party Fraud Report Partially Provided Missing full report, only pages 1-4 are provided - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. Complete fraud report has been provided, please clear condition. - Seller-05/30/2025<br>| Resolved-Received complete fraud report. - Due Diligence Vendor-06/03/2025<br>| Months Reserves exceed minimum required - 49.44mos reserves. Per guides, 6 reserves required <br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 710. Per guides, minimum score required 680.<br>Qualifying DTI below maximum allowed - Borr DTI 30.84%. Per guides, maximum DTI 50%. |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 2000054197 | XXX | XXX | XXX D A | Closed | FPRO1253 | 2025-05-28 15:08 | 2025-06-04 09:18 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Vision desk review and ICE AVM provided that supported the value. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Please find the DVR for review. - Seller-06/XX/2025 <br>Open-Additional valuation product has not been provided. - APPRAISAL: A SECONDARY VALUATION OR ADDITIONAL VALUATION HAS NOT BEEN ENTERED PER SECURITIZATION REQUIREMENTS - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. Please find the DVR for review. - Seller-06/02/2025<br>| Resolved-Vision desk review and ICE AVM provided that supported the value. - Due Diligence Vendor-06/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 731. Per guides, minimum score required 620. |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | PA | Investment | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 2000054262 | XXX | XXX | XXX D A | Closed | FCOM9400 | 2025-05-29 07:33 | 2025-06-03 16:28 | Resolved | 1 - Information D A | Property | Missing Doc | Property 1: Missing Second Valuation Product | Resolved-Received secondary valuation product. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Provided DVR which supports the appraisal value, please clear condition. - Seller-05/XX/2025 <br>Open-Missing Second Valuation Product - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. Provided DVR which supports the appraisal value, please clear condition. - Seller-05/30/2025<br>| Resolved-Received secondary valuation product. - Due Diligence Vendor-06/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 762. Per guides, minimum score required 620.<br>Months Reserves exceed minimum required - 111.94mos reserves. Per guides, 6 reserves required |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | TX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 2000054262 | XXX | XXX | XXX D A | Closed | FCRE8700 | 2025-05-29 07:31 | 2025-06-03 16:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-Received EIN. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. EIN has been provided, please clear condition. - Seller-05/XX/2025 | Ready for Review-Document Uploaded. EIN has been provided, please clear condition. - Seller-05/30/2025<br>| Resolved-Received EIN. - Due Diligence Vendor-06/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 762. Per guides, minimum score required 620.<br>Months Reserves exceed minimum required - 111.94mos reserves. Per guides, 6 reserves required |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | TX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 2000054675 | XXX | XXX | XXX D A | Closed | FCRE7497 | 2025-05-29 16:23 | 2025-06-18 17:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received supporting documentation properties owned by LLC. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Document Uploaded. please find the notes for the other two properties that show LLC owned for urdea and 171 - Seller-06/XX/2025 <br> Counter-Received documentation on xxand xx only. Original finding remains - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Document Uploaded. Properties are owned by LLC's and do not need to be counted against DTI - Seller-06/XX/2025 <br> Open-The following REOs listed on the Final 1003 PITIAs were not factored into the DTI calc however, they are reporting on the Borr credit report: xx xx and xxMissing verification of taxes, insurance, and HOA.<br>- Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. please find the notes for the other two properties that show LLC owned for xx and xx- Seller-06/17/2025 <br> Ready for Review-Document Uploaded. Properties are owned by LLC's and do not need to be counted against DTI - Seller-06/06/2025 | Resolved-Received supporting documentation properties owned by LLC. - Due Diligence Vendor-06/18/2025<br>| Months Reserves exceed minimum required - 67.21mos reserves. Per guides, 6 reserves required <br>On time mortgage history exceeds guideline requirement - Borrs 187mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history. |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXX |
| 2000054675 | XXX | XXX | XXX D A | Closed | FCRE8701 | 2025-05-30 08:30 | 2025-06-09 14:28 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received EIN. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. please find the EIN for review. - Seller-06/XX/2025 <br>Open-The Business Entity Formation Document is Missing Missing EIN Doc - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. please find the EIN for review. - Seller-06/06/2025<br>| Resolved-Received EIN. - Due Diligence Vendor-06/09/2025<br>| Months Reserves exceed minimum required - 67.21mos reserves. Per guides, 6 reserves required <br>On time mortgage history exceeds guideline requirement - Borrs 187mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history. |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXX |
| 2000053574 | XXX | XXX | XXX D A | Closed | FPRO1253 | 2025-05-30 12:20 | 2025-06-04 10:01 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Additional valuation product was provided. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. DVR which supports the value has been provided, please clear condition. - Seller-06/XX/2025 <br>Open-Secondary valuation CU score 3.1, higher than max score of 2.5. - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. DVR which supports the value has been provided, please clear condition. - Seller-06/03/2025<br>| Resolved-Additional valuation product was provided. - Due Diligence Vendor-06/04/2025<br>| Months Reserves exceed minimum required - 13.8mos reserves. Per guides, 6 reserves required <br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 736. Per guides, minimum score required 620. |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | KY | Investment | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 2000054697 | XXX | XXX | XXX D B A | Closed | FCRE5116 | 2025-06-02 16:11 | 2025-07-16 14:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Email from management company confirming no 30day lates provided. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Please find the email chain and verification of rental showing rental history with no 30 day lates. - Seller-07/XX/2025 <br> Counter-Received bank statements supporting rents-missing VOR or copy of lease. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Document Uploaded. VOR is in file reflected on the bank statements under xx $2139.95/mo<br> xx<br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The borrower rented for 9 year and 3 months with no rental payment as listed on the application. No VOR or letter of explanation was identified in the file. - Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. Please find the email chain and verification of rental showing rental history with no 30 day lates. - Seller-07/16/2025 <br> Ready for Review-Document Uploaded. VOR is in file reflected on the bank statements under xx $2139.95/mo<br> xx | Resolved-Email from management company confirming no 30day lates provided. - Due Diligence Vendor-07/16/2025<br>| Months Reserves exceed minimum required - 6 months required, 22.74 months verified.<br>Qualifying DTI below maximum allowed - 50% allowed, 22.74% verified |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TX | Primary Residence | Purchase | NA | N/A | N/A | XXX |
| 2000054697 | XXX | XXX | XXX D B A | Closed | FPRO1253 | 2025-06-02 15:17 | 2025-06-11 17:36 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Receive secondary valuation. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. please find the DVR for review. - Seller-06/XX/2025 <br>Open-Additional valuation product has not been provided. The CU in file scores a 2.6 and does not meet the score requirement to use as a secondary valuation product, No additional valuation product was identified in the file. - Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. please find the DVR for review. - Seller-06/09/2025<br>| Resolved-Receive secondary valuation. - Due Diligence Vendor-06/11/2025<br>| Months Reserves exceed minimum required - 6 months required, 22.74 months verified.<br>Qualifying DTI below maximum allowed - 50% allowed, 22.74% verified |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TX | Primary Residence | Purchase | NA | N/A | N/A | XXX |
| 2000054697 | XXX | XXX | XXX D B A | Closed | FCRE0068 | 2025-06-02 15:17 | 2025-06-11 17:29 | Waived | 2 - Non-Material C B | Credit | Closing | Remaining Equity is less than $40,000 which does not meet guideline requirement | Waived-Originator provided a waiver remaining equity <$40,000, applied to non material finding with comp factors - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-06/XX/2025 <br>Open-Remaining equity is less than $40,000 which does not meet guideline requirement. Per the applicable guidelines $40,000 or more in cash equity is required. The subject loan has $38,000 in cash equity which is not sufficient to meet the $40,000 minimum cash equity requirement. - Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. - Seller-06/10/2025<br>| Waived-Originator provided a waiver remaining equity <$40,000, applied to non material finding with comp factors - Due Diligence Vendor-06/11/2025<br>| Months Reserves exceed minimum required - 6 months required, 22.74 months verified.<br>Qualifying DTI below maximum allowed - 50% allowed, 22.74% verified | DTI: 23%<br> FICO: 721 | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | XXX |
| 2000055164 | XXX | XXX | XXX C A | Closed | FCRE8701 | 2025-05-30 16:39 | 2025-06-10 14:37 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received EIN - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. please find the EIN - Seller-06/XX/2025 <br>Open-The Business Entity Formation Document is Missing - Missing EIN/Business Entity Formation Document - Due Diligence Vendor-05/XX/2025 | Ready for Review-Document Uploaded. please find the EIN - Seller-06/06/2025<br>| Resolved-Received EIN - Due Diligence Vendor-06/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 681. Per guides, minimum score required 620.<br>LTV is less than guideline maximum - Borr LTV 67.25%. Per guides, maximum LTV 80%.<br>Months Reserves exceed minimum required - 30.19mos reserves. Per guides, 3 reserves required (additional 2mos required for primary housing). |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | NJ | Investment | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 2000050824 | XXX | XXX | XXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | FL | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000051910 | XXX | XXX | XXX D A | Closed | FCRE8702 | 2025-06-04 09:41 | 2025-06-18 17:30 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received EIN. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. EIN number provided, please clear finding. - Seller-06/XX/2025 <br>Open-The Business Entity Formation Document is incomplete Missing Business Entity EIN - Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. EIN number provided, please clear finding. - Seller-06/17/2025<br>| Resolved-Received EIN. - Due Diligence Vendor-06/18/2025<br>| Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 10 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 680 credit score. Qualifying credit score is 788. |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | PA | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXX |
| 2000051910 | XXX | XXX | XXX D A | Closed | FCRE1394 | 2025-06-04 09:53 | 2025-06-12 16:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 3 Executed 4506-T/4506-C is Missing | Resolved-Received 4506C - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Document Uploaded. 4506C executed by Rebecca has been provided, please clear condition. - Seller-06/XX/2025 <br> Open-Missing signed 4506C - XXX - Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. 4506C executed by XXX has been provided, please clear condition. - Seller-06/10/2025 | Resolved-Received 4506C - Due Diligence Vendor-06/12/2025<br>| Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 10 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 680 credit score. Qualifying credit score is 788. |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | PA | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXX |
| 2000051910 | XXX | XXX | XXX D A | Closed | FCRE1364 | 2025-06-03 20:27 | 2025-06-12 16:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T/4506-C is Missing | Resolved-Received 4506C - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-4506C executed by XXX and XXX has been provided, please clear condition. - Seller-06/XX/2025 <br> Open-Borrower 2 Executed 4506-T/4506-C is Missing Missing signed 4506C - Beth - Due Diligence Vendor-06/XX/2025 | Ready for Review-4506C executed by xx and xx has been provided, please clear condition. - Seller-06/10/2025 | Resolved-Received 4506C - Due Diligence Vendor-06/12/2025<br>| Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 10 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 680 credit score. Qualifying credit score is 788. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | PA | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXX |
| 2000051910 | XXX | XXX | XXX D A | Closed | FCRE1334 | 2025-06-03 20:27 | 2025-06-12 16:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received 4506C - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Document Uploaded. 4506C executed by XXX and XXX has been provided, please clear condition. - Seller-06/XX/2025 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing Missing signed 4506C - XXX - Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. 4506C executed by XXX and XXX has been provided, please clear condition. - Seller-06/10/2025 | Resolved-Received 4506C - Due Diligence Vendor-06/12/2025<br>| Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 10 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 680 credit score. Qualifying credit score is 788. |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | PA | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXX |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| 400081531 | XXX | XXX | XXX | XX | XX | 12 Month Bank Statement | Present | No | 0 | 4450 | Appraisal - 1007 |  | N/A |  |  | 4450 | Appraisal - 1007 | No | 92.77 | 0 | 0 | 4128.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 4450 |  |  |  |  |  |  |  | No | 0.9 | 2 | 1 | N/A | 18.94 | No |  |  | Vested Individual | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 400097078 | XXX | XXX | XXX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2100 | Appraisal - 1007 |  | N/A |  |  | 2100 | Appraisal - 1007 | No | 97.34 | 1.02 | 1.027 | 2044.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2100 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | Credit Reference Letter | 39.01 | Yes | XXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXX |
| 400098177 | XXX | XXX | XXX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2850 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2850 | Actual In Place Rent | No | 99.31 | 1 | 1.007 | 2830.44 | 2850 | 02-10-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XX |  | 2850 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 9.65 | Yes | XXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXX |
| 400103289 | XXX | XXX | XXX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 4800 | 4900 | Appraisal - 1025 |  | N/A |  |  | 4900 | Appraisal - 1025 | No | 85.55 | 1.169 | 1.169 | 4192.03 | 2400 | 08-31-2025 | 12 | 2400 | 06-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XX |  | 4900 |  |  |  |  |  |  |  | No | 1 | 1 | 1 | N/A | 28.86 | Yes | XXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXX | XXX | Individual Guarantor | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXX |
| 2000051892 | XXX |  | XXX | XX | XX | 12 Month Bank Statement | Present | No | 0 | 2650 | Appraisal - 1007 |  | N/A |  |  | 2650 | Appraisal - 1007 | No | 108.81 |  | 0 | 2883.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XX | 33848 | 2650 |  |  |  |  |  |  |  | No | 0.6 | 1 | 1 | N/A | 6.42 | Yes | XXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXX | XXX | Individual Guarantor | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXX |
| 2000053916 | XXX |  | XXX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2100 | Appraisal - 1007 |  | N/A |  |  | 2100 | Appraisal - 1007 | No | 94.95 | 1.05 | 1.053 | 1993.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2100 |  |  |  |  |  |  |  | No | 8.2 | 1 | 1 | N/A | 119.05 | No |  |  | Vested Individual | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 2000054318 | XXX |  | XXX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2600 | 2500 | Appraisal - 1025 |  | N/A |  |  | 2500 | Appraisal - 1025 | No | 61.5 | 1.62 | 1.626 | 1537.6 | 1350 | 03-31-2026 | 12 | 1250 | 03-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XX |  | 2500 |  |  |  |  |  |  |  | No | 5.7 | 1 | 1 | N/A | 67.2 | Yes | XXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse |  |
| 2000053792 | XXX |  | XXX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1700 | Appraisal - 1007 |  | N/A |  |  | 1700 | Appraisal - 1007 | No | 67.6 | 1.47 | 1.479 | 1149.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 14.04 | Yes | XXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXX |
| 2000054226 | XXX |  | XXX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 0 | N/A | 4875 | AirDNA | 1 |  | 4875 | AirDNA | Yes | 59.92 | 1.33 | 1.335 | 2921.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 195.99 | No |  |  | Vested Individual | XXX | XXX | Vested Individual | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 2000053419 | XXX |  | XXX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 4600 | Appraisal - 1025 |  | N/A |  |  | 4600 | Appraisal - 1025 | No | 54.77 | 1.82 | 1.826 | 2519.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 4600 |  |  |  |  |  |  |  | No | 1.5 | 1 | 1 | N/A | 11.76 | No |  |  | Vested Individual | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 2000053171 | XXX |  | XXX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 6500 | Appraisal - 1007 |  | N/A |  |  | 6500 | Appraisal - 1007 | No | 113.62 | 0.88 | 0.88 | 7385.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 6500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 17.78 | No |  |  | Vested Individual | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 2000053332 | XXX |  | XXX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3200 | Appraisal - 1007 |  | N/A |  |  | 3200 | Appraisal - 1007 | No | 88.52 | 1.13 | 1.13 | 2832.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XX |  | 3200 |  |  |  |  |  |  |  | No | 1.1 | 1 | 1 | N/A | 42.32 | Yes | XXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXX |
| 2000053364 | XXX |  | XXX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 102.23 | 0.97 | 0.978 | 2249 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2200 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 45.43 | Yes | XXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse |  |
| 2000053728 | XXX |  | XXX | XX | XX | 12 Month Bank Statement | Present | No | 0 |  | N/A |  | N/A |  |  |  | N/A | No |  |  | 0 | 3321.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 0.8 | 4 | 1 | N/A | 133.42 | Yes | XXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXX |
| 2000053730 | XXX |  | XXX | XX | XX | 12 Month Bank Statement | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | Actual In Place Rent | No |  |  | 0 | 3321.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 0.7 | 4 | 1 | N/A | 144.91 | Yes | XXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXX |
| 2000053734 | XXX |  | XXX | XX | XX | 12 Month Bank Statement | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | N/A | No |  |  | 0 | 3321.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 0.8 | 4 | 1 | N/A | 133.42 | Yes | XXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXX |
| 2000053736 | XXX |  | XXX | XX | XX | 12 Month Bank Statement | Present | No | 0 | 2750 | Appraisal - 1007 |  | N/A |  |  | 2750 | Appraisal - 1007 | No | 120.78 |  | 0 | 3321.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2750 |  |  |  |  |  |  |  | No | 0.8 | 4 | 1 | N/A | 239.21 | Yes | XXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXX |
| 2000054197 | XXX |  | XXX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2900 | 2400 | Appraisal - 1007 |  | N/A |  |  | 2900 | Actual In Place Rent | No | 87.91 | 1.13 | 1.138 | 2549.35 | 2900 | 02-28-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XX | 91900 | 2900 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 6.63 | Yes | XXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXX |
| 2000054262 | XXX |  | XXX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3172 | Appraisal - 1007 |  | N/A |  |  | 3172 | Appraisal - 1007 | No | 82.37 | 1.214 | 1.214 | 2612.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3172 |  |  |  |  |  |  |  | No | 3 | 1 | 1 | N/A | 111.94 | Yes | XXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXX |
| 2000054675 | XXX |  | XXX | XX | XX | 12 Month Bank Statement | Present | Yes | 2437 | 3200 | Appraisal - 1007 |  | N/A |  |  | 2437 | Actual In Place Rent | No | 131.17 |  | 0 | 3196.63 | 2437 | 05-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XX |  | 2437 |  |  |  |  |  |  |  | No | 0.9 | 1 | 1 | N/A | 67.56 | Yes | XXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXX |
| 2000053574 | XXX |  | XXX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1840 | Appraisal - 1007 |  | N/A |  |  | 1840 | Appraisal - 1007 | No | 81.91 | 1.22 | 1.221 | 1507.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XX | 84435 | 1840 |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 13.8 | Yes | XXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXX |
| 2000055164 | XXX |  | XXX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3600 | Appraisal - 1007 |  | N/A |  |  | 3600 | Appraisal - 1007 | No | 99.96 | 1 | 1 | 3598.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3600 |  |  |  |  |  |  |  | No | 1.9 | 1 | 1 | N/A | 30.19 | Yes | XXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXX |
| 2000050824 | XXX |  | XXX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 4300 | 5700 | Appraisal - 1007 |  | N/A |  |  | 5700 | Appraisal - 1007 | No | 85.58 | 1.16 | 1.168 | 4878.22 | 4300 | 09-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 5700 |  |  |  |  |  |  |  | No | 5.1 | 1 | 1 | N/A | 52.32 | Yes | XXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXX |
| 2000051910 | XXX |  | XXX | XX | XX | 2YR Full Doc | Present | No | 0 | 7000 | Appraisal - 1007 |  | N/A |  |  | 7000 | Appraisal - 1007 | No | 203.57 |  | 0 | 14249.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 7000 |  |  |  |  |  |  |  | No | 3.1 | 1 | 1 | N/A | 10.33 | Yes | XXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXX | XXX | Individual Guarantor | XXX | XXX | Individual Guarantor | XXX | XXX |  |  |  | XXX | XXX | US Citizen | United States |  |  |  |  | Yes | 4 | Full Recourse | XXX |

---

## Exhibit 99.5

**Exhibit 99.5**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of its client, Rithm Capital. The review included a total of 69 newly originated residential mortgage loans acquired through a bulk purchase, in connection with the securitization identified as NRMLT 2025-NQM5 (the "Securitization"). The Review was conducted from June 2024 through August 2025 on mortgage loans originated between June 2024 and July 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (69 loans in total):

Four (4) loans had a Secondary Appraisal, zero (0) loans had an AVM, zero (0) loans had a Field Review, and forty-five (45) loans had Desktop Reviews. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

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

One (1) loan had a Second Desk Review and zero (0) loans had a Full Appraisal Review, all of which supported value.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the sixty-nine (69) mortgage loans reviewed, fifty-one (51) unique mortgage loans (73.91% by loan count) had a total of one hundred eighty-nine (189) discrepancies across thirty-one (31) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy<br> Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;40 | &nbsp;&nbsp;21.16% |
| &nbsp;&nbsp;Qualifying All Borrower Residual Income | &nbsp;&nbsp;28 | &nbsp;&nbsp;14.81% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;16 | &nbsp;&nbsp;8.47% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;11 | &nbsp;&nbsp;5.82% |
| &nbsp;&nbsp;Total Qualified Assets Available | &nbsp;&nbsp;11 | &nbsp;&nbsp;5.82% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;11 | &nbsp;&nbsp;5.82% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;10 | &nbsp;&nbsp;5.29% |
| &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;4.23% |
| &nbsp;&nbsp;Total Liquid Assets Available For Close | &nbsp;&nbsp;8 | &nbsp;&nbsp;4.23% |
| &nbsp;&nbsp;Qualifying Total Monthly Liabilities | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.65% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.65% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.65% |
| &nbsp;&nbsp;T & I Payment | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.12% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.59% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;Qualifying Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;Borrower 1 Total Years Employment/Self-Employment Verified | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.06% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.53% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.53% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.53% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.53% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.53% |
| &nbsp;&nbsp;City | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.53% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.53% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.53% |
| &nbsp;&nbsp;Citizen Types | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.53% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.53% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**189** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 60 | $36773529.00 | 86.96% |
| Event Grade B | 9 | $10235500.00 | 13.04% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 69 | $47009029.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 62 | 89.86% |
| Event Grade B | 7 | 10.14% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 69 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results: (As applicable, 28 loans within population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 28 loans within population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 28 loans within population did not receive a Compliance Review)** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 40 | 97.56% |
| Event Grade B | 1 | 2.44% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 41 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 68 | 98.55% |
| Event Grade B | 1 | 1.45% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 69 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Background Check Missing or Defective | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Entity Documentation - Missing or Defective | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;3 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Assets do not meet guideline requirements | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Purchase is not considered to be an Arm's Length Transaction | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Insufficient Assets to Close | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower 2 Gap Credit Report is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Hazard Insurance Policy is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Letter of Explanation (Assets) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;ATR: Reasonable Income or Assets Not Considered | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;NQM Funding - B1 Gap Credit Report expired outside 30-days prior to consummation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Closing Documentation Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit Report Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 Gap Credit Report is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;ATR: Current Employment Not Verified | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Income 1 Months Income Verified is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 YTD Profit & Loss Missing | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Asset Documentation Missing or Defective | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset 5 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Insufficient Assets for Reserves | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Flood Certificate Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***118*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Loan Amount is greater than Guideline Maximum Loan Amount | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Income - Bank Statements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***8*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | &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;NY Subprime Home Loan Test | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***50*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
|  | &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;32 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Missing or Defective | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Flood Insurance Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Ineligible Project – Litigation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***65*** |

---

**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 99.5

**Exhibit 99.5 Schedule 1**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **ALT Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| 92400187377 | XX |  |  | XX D | A | A | A | A | A D | A | A | A | A | A |
| 92400186695 | XX |  |  | XX D | B | B | B | B | B A D | A | A | A | A | A |
| 92400186495 | XX |  |  | XX C | B | B | B | B | B A C | A | A | A | A | A |
| 92400185900 | XX |  |  | XX D | C | C | C | C | C D B | A | A | A | A | A B |
| 92400185544 | XX |  |  | XX D | C | C | C | C | C A D | B | B | B | B | B A |
| 92400185539 | XX |  |  | XX A | B | B | B | B | B C A | A | A | A | A | A |
| 92400184557 | XX |  |  | XX D | A | A | A | A | A D | A | A | A | A | A |
| 92400184048 | XX |  |  | XX D | A | A | A | A | A D | A | A | A | A | A |
| 92400183096 | XX |  |  | XX D | A | A | A | A | A D | A | A | A | A | A |
| 92400181898 | XX |  |  | XX D | A | A | A | A | A D | A | A | A | A | A |
| 92300186681 | XX |  |  | XX D | A | A | A | A | A D | A | A | A | A | A |
| 92300186602 | XX |  |  | XX D | C | C | C | C | C A D B | A | A | A | A | A B |
| 92300186531 | XX |  |  | XX A | B | B | B | B | B C A | A | A | A | A | A |
| 92300186504 | XX |  |  | XX D | B | B | B | B | B A D | A | A | A | A | A |
| 92300186451 | XX |  |  | XX D | A | A | A | A | A D | A | A | A | A | A |
| 92300186421 | XX |  |  | XX D | B | B | B | B | B A D | A | A | A | A | A B |
| 92300186258 | XX |  |  | XX A | B | B | B | B | B A | A | A | A | A | A |
| 92300186037 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 92300185426 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 92300185381 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 92300180144 | XX |  |  | XX A | D | D | D | D | D A | A | A | A | A | A |
| 92010186311 | XX |  |  | XX D | B | B | B | B | B A D | A | A | A | A | A B |
| 92010185590 | XX |  |  | XX D | B | B | B | B | B A D | A | A | A | A | A |
| 92010185506 | XX |  |  | XX D | A | A | A | A | A D | A | A | A | A | A |
| 92010185304 | XX |  |  | XX D | B | B | B | B | B D A | A | A | A | A | A |
| 92010184621 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 92010184256 | XX |  |  | XX C | B | B | B | B | B A C | A | A | A | A | A |
| 92010182683 | XX |  |  | XX D | B | B | B | B | B A D | A | A | A | A | A B |
| 92010180428 | XX |  |  | XX D | B | B | B | B | B A D | A | A | A | A | A |
| 92300185715 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 92300185742 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 92300185778 | XX | XX |  | XX D | A | A | A | A | A D | A | A | A | A | A |
| 92300185724 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 92300185790 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 92300185726 | XX | XX |  | XX D | A | A | A | A | A D | A | A | A | A | A |
| 92300185787 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 400077001 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 92300185815 | XX | XX |  | XX C | A | A | A | A | A C | A | A | A | A | A |
| 92300187774 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 92300187762 | XX | XX |  | XX C | A | A | A | A | A C B | A | A | A | A | A B |
| 92300187796 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 92400186338 | XX |  |  | XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 92400186057 | XX |  |  | XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 92400184206 | XX |  |  | XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 92400183934 | XX |  |  | XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 92010184064 | XX |  |  | XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 92400186690 | XX |  |  | XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 92010186834 | XX |  |  | XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 92010186087 | XX |  |  | XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 92010186409 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010186465 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010186613 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010187494 | XX |  |  | XX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 92010187950 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 92400185965 | XX |  |  | XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 92300186511 | XX |  |  | XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 92400185307 | XX |  |  | XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 92300186645 | XX |  |  | XX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 92010184994 | XX |  |  | XX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 92010180308 | XX |  |  | XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 92010182692 | XX |  |  | XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 92010184459 | XX |  |  | XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 92010184556 | XX |  |  | XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A B |
| 92010185400 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 92010185220 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 92010182596 | XX |  |  | XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 92010183111 | XX |  |  | XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 92010184330 | XX |  |  | XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 92010185858 | XX |  |  | XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan Number** | **ALT Loan ID** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 92400187377 | XX |  | XX | XX | 07/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/16/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. The file does not contain a copy of the appraisal used to qualify. | Document Uploaded. | 07/18/2025 | Appraisal is Present or is Waived; Two appraisals for the subject property were provided. | 07/28/2025 | Borrower has stable job time - Borrower has 13.02 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 29.69% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 783 is greater than Guideline minimum FICO of 760 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92400187377 | XX |  | XX | XX | 07/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/16/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The file does not contain a copy of a secondary appraisal product. | Document Uploaded. | 07/18/2025 | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; Two appraisals for the subject property were provided. | 07/28/2025 | Borrower has stable job time - Borrower has 13.02 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 29.69% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 783 is greater than Guideline minimum FICO of 760 D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92400187377 | XX |  | XX | XX | 07/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/16/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The file does not contain verification of the self employed business existence dated within 30 business days of the note date. | Document Uploaded. | 07/18/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided; Third party verification of self employment within 30 days of closing was received. | 07/28/2025 | Borrower has stable job time - Borrower has 13.02 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 29.69% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 783 is greater than Guideline minimum FICO of 760 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92400187377 | XX |  | XX | XX | 07/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/16/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The file does not contain a gap credit report dated within 30 days of the note date. | Document Uploaded. | 07/18/2025 | Borrower 1 Gap Credit Report is not missing.; Gap credit report dated within 30 days of closing received. | 07/28/2025 | Borrower has stable job time - Borrower has 13.02 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 29.69% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 783 is greater than Guideline minimum FICO of 760 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92400187377 | XX |  | XX | XX | 07/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/16/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The file does not contain a copy of the fraud report. | Document Uploaded. ; Document Uploaded. | 07/24/2025 | Third Party Fraud Report is provided; Fraud report received verifies all interested parties were screened through any exclusionary list.; Fraud Report received is missing evidence appraiser XX, real estate broker XXand settlement agent The Law Offices of XXwere screened through any exclusionary list. | 07/28/2025 | Borrower has stable job time - Borrower has 13.02 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 29.69% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 783 is greater than Guideline minimum FICO of 760 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92400187377 | XX |  | XX | XX | 07/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/16/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The file does not contain a hazard insurance statement or HOA statement for the property located at XX | Document Uploaded. | 07/18/2025 | Received evidence of hazard insurance and evidence of no HOA. | 07/22/2025 | Borrower has stable job time - Borrower has 13.02 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 29.69% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 783 is greater than Guideline minimum FICO of 760 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92400187377 | XX |  | XX | XX | 07/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 13.02 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 29.69% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 783 is greater than Guideline minimum FICO of 760 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92400186695 | XX |  | XX | XX | 06/XX/2025 | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/11/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | 07/15/2025 | Required Affiliated Business Disclosure Documentation Provided | 07/19/2025 | Borrower has stable job time - Borrower has 27.84 years on job. D A B | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92400186695 | XX |  | XX | XX | 06/XX/2025 | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/11/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report, as required by guidelines dated 01/30/2025. | Document Uploaded. ; Document Uploaded. | 07/17/2025 | Third Party Fraud Report is provided; Fraud Report received verifies the loan originator was screened through any exclusionary list.; Fraud Report received is missing evidence loan originator xx was screened through any exclusionary list. | 07/19/2025 | Borrower has stable job time - Borrower has 27.84 years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92400186695 | XX |  | XX | XX | 06/XX/2025 | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 27.84 years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92400186495 | XX |  | XX | XX | 06/XX/2025 | XX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). | Document Uploaded. | 06/30/2025 | Evidence of appraisal delivery provided. | 07/01/2025 | Borrower has stable job time - Borrower has 6.22 years on job. C A B | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 92400186495 | XX |  | XX | XX | 06/XX/2025 | XX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | Document Uploaded. | 07/01/2025 | Required Affiliated Business Disclosure Documentation Provided | 07/01/2025 | Borrower has stable job time - Borrower has 6.22 years on job. C A B | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 92400186495 | XX |  | XX | XX | 06/XX/2025 | XX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FCRE1248 | Credit | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction Per the appraisal the subject property is being sold privately from Father to son. | Document Uploaded. | 06/30/2025 | Purchase is considered to be an Arm's Length Transaction, or Not Applicable | 06/30/2025 | Borrower has stable job time - Borrower has 6.22 years on job. C A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 92400186495 | XX |  | XX | XX | 06/XX/2025 | XX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 6.22 years on job. C A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 92400185900 | XX |  | XX | XX | 06/XX/2025 | XX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 90% exceeds Guideline LTV of 85% Lender exception for LTV to 90% in file. Compensating factors include: 6 months reserves greater than program requirement, DTI > 10% below program requirement, High Discretionary Income. Exception approved by XX 6.4.2025 |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 2.09% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.54 years on job. D B C A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 92400185900 | XX |  | XX | XX | 06/XX/2025 | XX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 90% exceeds Guideline HCLTV of 85% Lender exception for LTV to 90% in file. Compensating factors include: 6 months reserves greater than program requirement, DTI > 10% below program requirement, High Discretionary Income. Exception approved by XX 6.4.2025 |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 2.09% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.54 years on job. D B C A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 92400185900 | XX |  | XX | XX | 06/XX/2025 | XX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 90% exceeds Guideline CLTV of 85% Lender exception for LTV to 90% in file. Compensating factors include: 6 months reserves greater than program requirement, DTI > 10% below program requirement, High Discretionary Income. Exception approved by XXpm 6.4.2025 |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 2.09% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.54 years on job. D B C A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 92400185900 | XX |  | XX | XX | 06/XX/2025 | XX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The file does not contain a verification of the businesses existence dated within 30 business days of Closing. | Document Uploaded. | 07/08/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided; Lender has uploaded the SOS/business search information confirming the business is still open/active w/in 30 days of closing and has been open for > 2 years. | 07/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of 2.09% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.54 years on job. D B A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 92400185900 | XX |  | XX | XX | 06/XX/2025 | XX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The credit report in the file is over 30 days old, and the file does not contain a Gap Credit report. | Document Uploaded. | 07/08/2025 | Borrower 1 Gap Credit Report is not missing.; Gap credit report dated 7/XX/25 provided for the borrower. | 07/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of 2.09% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.54 years on job. D B A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 92400185900 | XX |  | XX | XX | 06/XX/2025 | XX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. The file does not contain a copy of the appraisal used to qualify. | Document Uploaded. | 07/01/2025 | Appraisal is Present or is Waived; Appraisal/1004 received for the subject property. | 07/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of 2.09% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.54 years on job. D B A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 92400185900 | XX |  | XX | XX | 06/XX/2025 | XX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The file does not contain a required secondary valuation product. | uploaded | 07/01/2025 | Third party valuation product provided within tolerance.; Desk review and FNMA/FHLMC UCDPs supporting the appraised value provided for the subject property. | 07/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of 2.09% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.54 years on job. D B C A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 92400185900 | XX |  | XX | XX | 06/XX/2025 | XX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required: Please provide evidence the consumer received a copy of the appraisal at least 3 days prior to consummation. | Document Uploaded. ; Document Uploaded. | 07/03/2025 | Evidence of appraisal delivery provided.; The attached document for review does not confirm that the borrower received a copy of their appraisal (the borrower did not select which option they are acknowledging) . Furthermore, this loan is an HPML and a waiver can not be used to consider to downgrade for requirements being met. Please provide proof the borrower received a copy of their appraisal at least 3 days prior to closing. | 07/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of 2.09% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.54 years on job. D B A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 92400185900 | XX |  | XX | XX | 06/XX/2025 | XX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Resolved | FCOM3531 | Compliance | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Evidence of Appraisal Delivery to the Borrower Not Provided. | uploaded; uploaded | 07/07/2025 | Evidence of Appraisal Delivery to the Borrower Provided.; The attached document for review does not confirm that the borrower received a copy of their appraisal (the borrower did not select which option they are acknowledging) . Furthermore, this loan is an HPML and a waiver can not be used to consider to downgrade for requirements being met. Please provide proof the borrower received a copy of their appraisal at least 3 days prior to closing. | 07/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of 2.09% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.54 years on job. D B C A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 92400185900 | XX |  | XX | XX | 06/XX/2025 | XX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Resolved | finding-2978 | Compliance | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the MA 209 CMR 32.35 higher-priced mortgage loan test. (MA 209 CMR 32.35)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Massachusetts Regulations. While the Code of Massachusetts Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML non-compliant due to missing appraisal receipt. | Document Uploaded. ; uploaded | 07/07/2025 | proof of appraisal delivery provided, HPML compliant; exception resolved; The attached document for review does not confirm that the borrower received a copy of their appraisal (the borrower did not select which option they are acknowledging) . Furthermore, this loan is an HPML and a waiver can not be used to consider to downgrade for requirements being met. Please provide proof the borrower received a copy of their appraisal at least 3 days prior to closing. | 07/08/2025 | Qualifying DTI below max allowed. - Calculated DTI of 2.09% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.54 years on job. D B C A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 92400185900 | XX |  | XX | XX | 06/XX/2025 | XX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | 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 $100.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $100.00; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $100.00 is due to increase from $0.00 to $100.00 for the Tax Service Fee. | Document Uploaded. | 07/08/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 07/08/2025 | Qualifying DTI below max allowed. - Calculated DTI of 2.09% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.54 years on job. D B C A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 92400185900 | XX |  | XX | XX | 06/XX/2025 | XX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | 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 non-compliant due to missing evidence of appraisal receipt. | uploaded; uploaded | 07/07/2025 | proof of appraisal delivery provided, HPML compliant; exception resolved; The attached document for review does not confirm that the borrower received a copy of their appraisal (the borrower did not select which option they are acknowledging) . Furthermore, this loan is an HPML and a waiver can not be used to consider to downgrade for requirements being met. Please provide proof the borrower received a copy of their appraisal at least 3 days prior to closing. | 07/08/2025 | Qualifying DTI below max allowed. - Calculated DTI of 2.09% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.54 years on job. D B C A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| 92400185544 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The Credit report is more than 30 days old, and a required GAP credit report is not in the file. | Document Uploaded. | 07/02/2025 | Borrower 1 Gap Credit Report is not missing.; Received gap credit report for B1. | 07/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 740 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 6.93 years on job. D B A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 92400185544 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $195.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required<br> Refund in the amount of $195.00<br> Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC.<br> Zero tolerance violation is due to the increase in the Appraisal Fee on the LE dated 6.02.2025 and no COC was found in the file explaining the reason for why the fee increased.<br> Please provide a Valid COC or Cure Package | Document Uploaded. ; Document Uploaded. | 07/03/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; COC provided was for the discount points. Zero tolerance violation is due to the increase in the Appraisal Fee on the LE dated 6.02.2025 and no COC was found in the file explaining the reason for why the fee increased. | 07/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 740 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 6.93 years on job. D B C A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 92400185544 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 740 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 6.93 years on job. D B A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 92400185539 | XX |  | XX | XX | 06/XX/2025 | XX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/20/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing FNMA UCDP. | Document Uploaded. | 06/24/2025 | FNMA/FHLMC UCDPs provided for the subject property. ; Third party valuation product provided within tolerance. | 06/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of 29.53% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 7.59 years on job. C A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 92400185539 | XX |  | XX | XX | 06/XX/2025 | XX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/23/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Missing proof the borrower received a copy of the appraisal prior to closing.  | Document Uploaded. ; Document Uploaded. | 06/25/2025 | Appraisal delivery provided, exception resolved; Evidence of appraisal delivery provided.; The document provided indicates that the borrower chose to waive the right to receive the appraisal at least 3 days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation. Under regulation 1002.14, a borrower may waive their right to receive the appraisal at least 3 days prior to consummation but it is still required to be provided at or prior to consummation. Please provide documentation to show it was included in the closing package or provided to the borrower prior to closing | 06/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of 29.53% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 7.59 years on job. C A B | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 92400185539 | XX |  | XX | XX | 06/XX/2025 | XX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 29.53% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 7.59 years on job. C A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 92400184557 | XX |  | XX | XX | 06/XX/2025 | XX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing | Document Uploaded. | 06/26/2025 | Gap report provided, exception resolved.; Borrower 1 Gap Credit Report is not missing. | 06/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 716 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 5.38 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92400184557 | XX |  | XX | XX | 06/XX/2025 | XX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 716 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 5.38 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92400184557 | XX |  | XX | XX | 06/XX/2025 | XX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 716 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 5.38 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92400184048 | XX |  | XX | XX | 05/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Guidelines require a Gap Credit Report within 30 days of closing. Please provide Gap Credit Report. | Document Uploaded. ; Document Uploaded. | 06/09/2025 | Borrower 1 Gap Credit Report is not missing.; Document uploaded is dated 2/3/25. ; Borrower 1 Gap Credit Report is not missing. | 06/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 719 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 24.33% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 8.05 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92400184048 | XX |  | XX | XX | 05/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please provide Third Party Fraud Report. | Document Uploaded. | 06/05/2025 | Third Party Fraud Report is provided | 06/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 719 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 24.33% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 8.05 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92400184048 | XX |  | XX | XX | 05/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing Final Lender approval with the correct income. Final 1003 and approval reflect income of $46,535.16. Per calculated income, it should be $24,000. | Document Uploaded. | 06/05/2025 | Income and Employment Meet Guidelines | 06/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 719 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 24.33% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 8.05 years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92400184048 | XX |  | XX | XX | 05/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2025 | Resolved | FCRE5786 | Credit | Borrower 1 Gap Credit Report is Incomplete | Borrower 1 Gap Credit Report is Partially Present. Document uploaded is dated 2/3/25 |  |  | Borrower 1 Gap Credit Report is not partially present. | 06/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 719 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 24.33% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 8.05 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92400184048 | XX |  | XX | XX | 05/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2025 | Resolved | FCRE1081 | Credit | NQM Funding - B1 Gap Credit Report expired outside 30-days prior to consummation | The Gap Credit Report pull date (02-03-2025) on the Credit Scores card, as found on the Credit Liabilities page must be inside 30-days of consummation date (05-30-2025) on the Note Info card as found on the Note page. Please make appropriate corrections. |  |  | Gap Credit Report pull date is inside 30-days of consummation date. | 06/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 719 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 24.33% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 8.05 years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92400184048 | XX |  | XX | XX | 05/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 719 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 24.33% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 8.05 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92400184048 | XX |  | XX | XX | 05/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 719 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 24.33% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 8.05 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92400183096 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2025 | Resolved | FCRE5783 | Credit | Borrower 2 Gap Credit Report is Missing | Borrower 2 Gap Credit Report is Missing | Document Uploaded. ; Document Uploaded. | 07/01/2025 | Borrower 2 Gap Credit Report is not missing.; Gap credit report received for B2/XXX. ; Reviewed uploaded documents. Documentation provided was the credit refresh for B1. We are still missing the credit refresh, gap credit report or undisclosed monitoring report for B2, xx | 07/01/2025 | Borrower has stable job time - Borrower has 3.46 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 31.13% is less than Guideline DTI of 50% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92400183096 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 3.46 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 31.13% is less than Guideline DTI of 50% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92400183096 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 3.46 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 31.13% is less than Guideline DTI of 50% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92400181898 | XX |  | XX | XX | 06/XX/2025 | XX | FL | ATR/QM: Exempt | Loan Review Complete | 06/13/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report A Third Party Fraud Report is a guideline requirement that has not been met and must be provided. |  |  | Third Party Fraud Report is provided; Document Uploaded. Fraud provided; ; | 06/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70%<br>Borrower has stable job time - Borrower has 12.45 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 3.8% is less than Guideline DTI of 50% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92400181898 | XX |  | XX | XX | 06/XX/2025 | XX | FL | ATR/QM: Exempt | Loan Review Complete | 06/13/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Guidelines require a Gap report which has not been met and must be provided for the Borrower. | Document Uploaded. | 06/19/2025 | Borrower 1 Gap Credit Report is not missing.; Credit refresh report dated within 30 days of closing was provided. | 06/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70%<br>Borrower has stable job time - Borrower has 12.45 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 3.8% is less than Guideline DTI of 50% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92400181898 | XX |  | XX | XX | 06/XX/2025 | XX | FL | ATR/QM: Exempt | Loan Review Complete | 06/13/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The Verification of Mortgage is required for the Borrower's investment property on xxthat was qualified with PITIA of negative $19,382.82. | Document Uploaded. Property was refinanced and closed 4/5 | 06/19/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Private party VOM for XXX was received indicating account as satisfactory and with a next due date of 4/7/2025. A final CD provided indicates loan was refinanced on 4/5/2025, with a first payment date of 6/xx/2025 and a PITI of $19,382.82. | 06/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70%<br>Borrower has stable job time - Borrower has 12.45 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 3.8% is less than Guideline DTI of 50% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92400181898 | XX |  | XX | XX | 06/XX/2025 | XX | FL | ATR/QM: Exempt | Loan Review Complete | 06/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70%<br>Borrower has stable job time - Borrower has 12.45 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 3.8% is less than Guideline DTI of 50% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92300186681 | XX |  | XX | XX | 07/XX/2025 | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/25/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Gap or undisclosed monitoring report within 30 days of closing is missing | Document Uploaded. | 07/29/2025 | Borrower 1 Gap Credit Report is not missing.; Gap credit report dated within 30 days of closing received.  | 07/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 755 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 5.52 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92300186681 | XX |  | XX | XX | 07/XX/2025 | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 755 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 5.52 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92300186681 | XX |  | XX | XX | 07/XX/2025 | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 755 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 5.52 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92300186602 | XX |  | XX | XX | 04/XX/2025 | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Guidelines require a Gap Credit Report within 30 days of closing. Please provide Gap Credit Report. | Document Uploaded. ; Document Uploaded. | 06/13/2025 | Borrower 1 Gap Credit Report is not missing.; Received the lender rebuttal. I apologize I didn't realize the fraud report included undisclosed debt monitoring. This finding has been resolved. ; The lender has provided the fraud report for the borrower instead of the gap credit report. Credit refresh, gap credit report, undisclosed debt verification report or credit monitoring is required dated within 30 days of closing. | 06/16/2025 | Borrower has stable job time - Borrower has 14.24 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 738 is greater than Guideline minimum FICO of 700 D B A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 92300186602 | XX |  | XX | XX | 04/XX/2025 | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/09/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation Required<br> The file did not contain evidence that showed a copy of the appraisal was provided to the consumer at least 3-business days prior to consummation date 04/29/2025. | Document Uploaded. | 06/11/2025 | Evidence of appraisal delivery provided. | 06/16/2025 | Borrower has stable job time - Borrower has 14.24 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 738 is greater than Guideline minimum FICO of 700 D B A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 92300186602 | XX |  | XX | XX | 04/XX/2025 | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/09/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation Required: <br> The loan file is missing the Affiliated Business Disclosure.  | Document Uploaded. | 06/11/2025 | Required Affiliated Business Disclosure Documentation Provided | 06/16/2025 | Borrower has stable job time - Borrower has 14.24 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 738 is greater than Guideline minimum FICO of 700 D B A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 92300186602 | XX |  | XX | XX | 04/XX/2025 | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/09/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | 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; or The 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 transaction The 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. Documentation Required<br> The earliest CD in the loan file was issued on 04/29/2025 and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer 3 business days prior to the consummation date of 04/29/2025. | Document Uploaded. ; Document Uploaded. | 06/13/2025 | initial CD provided; exception resolved; initial CD provided; exception resolved; Package provided did not include an initial CD | 06/14/2025 | Borrower has stable job time - Borrower has 14.24 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 738 is greater than Guideline minimum FICO of 700 D B C A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 92300186602 | XX |  | XX | XX | 04/XX/2025 | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2025 | Acknowledged | FCRE1199 | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of $XXis greater than the Guideline Maximum Loan Amount of $1500000 Guidelines state for P&L only income documentation the Max Loan Amount is $1,500,000. | Document Uploaded. ; Document Uploaded. | 06/13/2025 | Exception received for P&L only with a loan amount of $XX. Max loan amount per matrix is $1,500,000. Approved by xx on 6/13/2025. Pricing adjustment 0.50 bps. Max DTI 42. Max LTV 80, Guidelines used 1/XX/2025. Compensating Factors: 1) FICO 20+ points greater than program requirement, 2) High discretionary income, 3) 5 years in current job, 4) VOR/VOM 0x30x24, and 5) Other - 14 years in same job.; Audited Loan Amount of $XX is greater than the Guideline Maximum Loan Amount of $1500000 Exception received for P&L only with a loan amount of $XX. Max loan amount per matrix is $1,500,000. Approved byXXon 6/13/2025. Pricing adjustment 0.50 bps. Max DTI 42. Max LTV 80, Guidelines used 1/XX/2025. Compensating Factors: 1) FICO 20+ points greater than program requirement, 2) High discretionary income, 3) 5 years in current job, 4) VOR/VOM 0x30x24, and 5) Other - 14 years in same job.; Exception received for P&L only with a loan amount of $XX Max loan amount per matrix is $1,500,000. Approved by XX on 6/13/2025. Pricing adjustment 0.50 bps. Max DTI 42. Max LTV 80, Guidelines used 1/XX/2025. Compensating Factors: 1) FICO 20+ points greater than program requirement, 2) High discretionary income, 3) 5 years in current job, 4) VOR/VOM 0x30x24, and 5) Other - 14 years in same job. ; The lender has provided an updated lock confirmation for 12 month P&L + 2 months bank statements to allow them to go to a loan amount of $XXX. Please provide the business bank statements for January 2025 and February 2025 for XX to support the gross monthly income of $50,785.75/month listed on the P&L. Business bank statements provided in file for the business are dated 3/2025 and 4/2025 which are after the date of the P&L (XX) | 06/13/2025 | Borrower has stable job time - Borrower has 14.24 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 738 is greater than Guideline minimum FICO of 700 D B C A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 92300186602 | XX |  | XX | XX | 04/XX/2025 | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 14.24 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 738 is greater than Guideline minimum FICO of 700 D B A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 92300186531 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The file does not contain a Secondary valuation product. | Document Uploaded. | 06/30/2025 | Third party valuation product provided within tolerance.; Desk review received supporting $950,000 appraised value. | 07/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 813 is greater than Guideline minimum FICO of 640<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% C A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 92300186531 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Policy, XX has affiliates. Documentation required to confirm the Affiliated Business disclosure was sent within 3 days of application 05/13/2025. | Document Uploaded. | 06/30/2025 | Required Affiliated Business Disclosure Documentation Provided | 07/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 813 is greater than Guideline minimum FICO of 640<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% C A B | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 92300186531 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 813 is greater than Guideline minimum FICO of 640<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% C A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 92300186504 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/23/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | Document Uploaded. | 06/25/2025 | Required Affiliated Business Disclosure Documentation Provided | 06/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 777 is greater than Guideline minimum FICO of 680 D A B | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92300186504 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/24/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing | Document Uploaded. | 06/25/2025 | Borrower 1 Gap Credit Report is not missing.; Debt monitoring report ordered 5/9/2025 provided for B1. | 06/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 777 is greater than Guideline minimum FICO of 680 D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92300186504 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 777 is greater than Guideline minimum FICO of 680 D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92300186451 | XX |  | XX | XX | 06/XX/2025 | XX | MT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/17/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Missing gap credit report, as required by guidelines, dated 01/30/2025. | Document Uploaded. | 07/22/2025 | Borrower 1 Gap Credit Report is not missing.; Loan quality monitoring report dated 6/9/2025 provided for B1. | 07/23/2025 | Borrower has stable job time - Borrower has 7.57 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 38.15% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 816 is greater than Guideline minimum FICO of 680 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92300186451 | XX |  | XX | XX | 06/XX/2025 | XX | MT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 7.57 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 38.15% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 816 is greater than Guideline minimum FICO of 680 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92300186451 | XX |  | XX | XX | 06/XX/2025 | XX | MT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 7.57 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 38.15% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 816 is greater than Guideline minimum FICO of 680 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92300186421 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/16/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please provide Third Party Fraud Report. | Document Uploaded. | 06/24/2025 | Third Party Fraud Report is provided; Fraud report received for the borrower. All fraud flags have been addressed. | 07/02/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 2.45 years on job. D B A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 92300186421 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Nothing in file to reflect the initial e-signature dated on or before 5/2/2025. | Document Uploaded. | 06/24/2025 | Evidence of eConsent is provided. | 07/02/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 2.45 years on job. D B A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 92300186421 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | 06/24/2025 | Required Affiliated Business Disclosure Documentation Provided; Affiliated attestation provided; exception resolved | 07/02/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 2.45 years on job. D B A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 92300186421 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/16/2025 | Acknowledged | FCRE7805 | Credit | Missing Income - Bank Statements | Guidelines require 2 most recent months of bank statements supporting at least 65% of the gross wages reflected in the WVOE. Missing 2 months most recent bank statements. Please provide 2 months most recent bank statements. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 07/02/2025 | Lender approved exception provided for missing the 2 months bank statement for WVOE documentation time. Approved 7/1/2025 by xx using the 1/XX/2025 guidelines. <br> Max LTV 80%, Max DTI 50%. <br> Compensating Factors: 3 months reserves greater than program requirements and VOR 0x30 in 24 months.; Documentation uploaded does not resolve the outstanding condition. We would need a signed and approved exception from NQMF including at least 2 compensating factors. The lender has provided an email stating XX does not require proof of deposits of current income when a written VOE is provided for income documentation. The XXguidelines for Alt Doc - WVOE on pg 105 states that 2 months most recent months of bank statements reflecting deposits from the employment verified via the WVOE in both statements. The deposits must support at least 65% of the wages reflected on the WVOE. The email uploaded does not clear this condition.; The lender has provided an email stating XX does not require proof of deposits of current income when a written VOE is provided for income documentation. The XX guidelines for Alt Doc - WVOE on pg 105 states that 2 months most recent months of bank statements reflecting deposits from the employment verified via the WVOE in both statements. The deposits must support at least 65% of the wages reflected on the WVOE. The email uploaded does not clear this condition. | 07/02/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 2.45 years on job. D B A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 92300186421 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 2.45 years on job. D B A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 92300186258 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/23/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Nothing in file to reflect the initial e-signature dated on or before 2/3/2025. | Document Uploaded. | 06/24/2025 | Evidence of eConsent is provided. | 06/25/2025 | Borrower has stable job time - Borrower has 16.31 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 30.5% is less than Guideline DTI of 50% B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 92300186037 | XX |  | XX | XX | 06/XX/2025 | XX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 8.78 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 730 is greater than Guideline minimum FICO of 700 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300186037 | XX |  | XX | XX | 06/XX/2025 | XX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 8.78 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 730 is greater than Guideline minimum FICO of 700 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300186037 | XX |  | XX | XX | 06/XX/2025 | XX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 8.78 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 730 is greater than Guideline minimum FICO of 700 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300185426 | XX |  | XX | XX | 05/XX/2025 | XX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 726 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 32.48% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 8.66 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300185426 | XX |  | XX | XX | 05/XX/2025 | XX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 726 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 32.48% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 8.66 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300185381 | XX |  | XX | XX | 05/XX/2025 | XX | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade 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 | 06/04/2025 | Borrower has stable job time - Borrower has 7.93 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300185381 | XX |  | XX | XX | 05/XX/2025 | XX | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 7.93 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300185381 | XX |  | XX | XX | 05/XX/2025 | XX | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 7.93 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300180144 | XX |  | XX | XX | 04/XX/2025 | XX | SC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2025 | Resolved | 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 Title report shows prior lender is the same as current lender. An H-9 form should have been used when subject is same lender refinance with new money. | Document Uploaded. | 06/05/2025 | Corrected executed RTC form provided, exception resolved.; Correct RTC form has been provided | 06/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 716 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 24.95 years on job. D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 92300180144 | XX |  | XX | XX | 04/XX/2025 | XX | SC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade 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 | 04/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 716 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 24.95 years on job. D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 92300180144 | XX |  | XX | XX | 04/XX/2025 | XX | SC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 716 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 24.95 years on job. D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 92300180144 | XX |  | XX | XX | 04/XX/2025 | XX | SC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 716 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 24.95 years on job. D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 92010186311 | XX |  | XX | XX | 07/XX/2025 | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/18/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. | 07/23/2025 | Evidence of eConsent is provided. | 07/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 736 is greater than Guideline minimum FICO of 680<br>Qualifying DTI below max allowed. - Calculated DTI of 24.77% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 29.38 years on job. D B A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 92010186311 | XX |  | XX | XX | 07/XX/2025 | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/17/2025 | Acknowledged | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing The file does not contain a Verification of employment for B2. | Document Uploaded. ; Document Uploaded. | 07/30/2025 | Approved lender exception request CPA letter 32 days vs 30. Compensating factors; Borrower's contribution exceeds requirements by =>5%; DTI > than 10% below program requirement; 5 years in current job. ; Third party verification of employment completed within 10 business days of closing for borrower 2 is missing. Third party verification provided is dated 6/xx/2025, loan closed 7/xx/2025. | 07/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 736 is greater than Guideline minimum FICO of 680<br>Qualifying DTI below max allowed. - Calculated DTI of 24.77% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 29.38 years on job. D B A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 92010186311 | XX |  | XX | XX | 07/XX/2025 | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 736 is greater than Guideline minimum FICO of 680<br>Qualifying DTI below max allowed. - Calculated DTI of 24.77% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 29.38 years on job. D B A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 92010185590 | XX |  | XX | XX | 06/XX/2025 | XX | NV | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/23/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at or prior to the consummation date. | Document Uploaded. | 06/26/2025 | Evidence of appraisal delivery provided. | 06/27/2025 | Qualifying DTI below max allowed. - Calculated DTI of 39.81% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 3.53 years on job. D A B | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92010185590 | XX |  | XX | XX | 06/XX/2025 | XX | NV | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/23/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. | 06/26/2025 | Evidence of eConsent is provided. | 06/27/2025 | Qualifying DTI below max allowed. - Calculated DTI of 39.81% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 3.53 years on job. D A B | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92010185590 | XX |  | XX | XX | 06/XX/2025 | XX | NV | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/23/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Document Uploaded. | 06/26/2025 | Fraud report provided, exception cleared. ; Third Party Fraud Report is provided | 06/27/2025 | Qualifying DTI below max allowed. - Calculated DTI of 39.81% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 3.53 years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92010185590 | XX |  | XX | XX | 06/XX/2025 | XX | NV | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 39.81% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 3.53 years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92010185506 | XX |  | XX | XX | 06/XX/2025 | XX | PA | ATR/QM: Exempt | Loan Review Complete | 07/02/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The file does not contain a GAP credit report dated within 30 days of the note date. | Document Uploaded. | 07/08/2025 | Borrower 1 Gap Credit Report is not missing.; Undisclosed debt monitoring report dated within 30 days of closing received. | 07/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of 16.48% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 750 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 5.95 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92010185506 | XX |  | XX | XX | 06/XX/2025 | XX | PA | ATR/QM: Exempt | Loan Review Complete | 07/02/2025 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. The file is missing the evidence of the $5,000.00 EMD clearance, the checking account with XXwith a balance of $52.304.62, The Savings Account with XX with a balance of $105.29, and the Checking account with XX with a balance of $81.60 used to qualify. | Document Uploaded. | 07/08/2025 | Funds are found to meet guidelines.; Received checking account with XX with a balance of $52.304.62, Savings Account with PXX with a balance of $105.29, and the Checking account with XX with a balance of $81.60. | 07/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of 16.48% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 750 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 5.95 years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92010185506 | XX |  | XX | XX | 06/XX/2025 | XX | PA | ATR/QM: Exempt | Loan Review Complete | 07/02/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $5087.04. The file is missing the evidence of the $5,000.00 EMD clearance, the checking account with XX with a balance of $52.304.62, The Savings Account with XX with a balance of $105.29, and the Checking account with XX with a balance of $81.60 used to qualify. | XXwith a balance of $81.60 shows the $5k for the EMD; uploaded | 07/14/2025 | Audited Reserves of $9661.7 are equal to or greater than AUS Required Reserves of $5087.04.; Reviewed the lender comments and verified the EMD of $5000 was drafted on 4/30/2025 per the xx bank statement. ; Audited Reserves of $4661.7 are less than Guideline Required Reserves of $5087.04. Received checking account with XX with a balance of $52.304.62, Savings Account with XX with a balance of $105.29, and the Checking account with XX with a balance of $81.60. Missing evidence $5000 EMD deposit was received and cleared. Condition remains. ; Audited Reserves of $4661.7 are less than Guideline Required Reserves of $5087.04. Received checking account with xx with a balance of $52.304.62, Savings Account with XXwith a balance of $105.29, and the Checking account with XX with a balance of $81.60. Missing evidence $5000 EMD deposit was received and cleared. Condition remains. ; Received checking account with XX with a balance of $52.304.62, Savings Account with XXwith a balance of $105.29, and the Checking account with XX with a balance of $81.60. | 07/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of 16.48% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 750 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 5.95 years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92010185506 | XX |  | XX | XX | 06/XX/2025 | XX | PA | ATR/QM: Exempt | Loan Review Complete | 07/02/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The file does not contain a copy of the fraud report used. | Document Uploaded. | 07/08/2025 | Third Party Fraud Report is provided; Fraud Report received. | 07/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of 16.48% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 750 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 5.95 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92010185506 | XX |  | XX | XX | 06/XX/2025 | XX | PA | ATR/QM: Exempt | Loan Review Complete | 07/02/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The file does not contain a mortgage statement, Tax statement, hazard insurance invoice, and a HOA statement for the Primary residence located at XX | Document Uploaded. ; Document Uploaded. | 07/16/2025 | Lender provided evidence of no HOA fee for the Primary residence. ; Mortgage statement provided verifying PITI, missing evidence of HOA if any. Condition remains. | 07/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of 16.48% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 750 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 5.95 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92010185506 | XX |  | XX | XX | 06/XX/2025 | XX | PA | ATR/QM: Exempt | Loan Review Complete | 07/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 16.48% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 750 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 5.95 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92010185506 | XX |  | XX | XX | 06/XX/2025 | XX | PA | ATR/QM: Exempt | Loan Review Complete | 07/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 16.48% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 750 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 5.95 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92010185304 | XX |  | XX | XX | 06/XX/2025 | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Borrower is living rent-free and the file does not contain a rent free letter from the property owner. | Document Uploaded. | 06/30/2025 | Housing History Meets Guideline Requirements | 07/01/2025 | Borrower has stable job time - Borrower has 6.3 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 33.13% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 744 is greater than Guideline minimum FICO of 680 D A C | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| 92010185304 | XX |  | XX | XX | 06/XX/2025 | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. The file does not contain a copy of the appraisal. | Document Uploaded. | 06/30/2025 | Appraisal is Present or is Waived | 07/01/2025 | Borrower has stable job time - Borrower has 6.3 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 33.13% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 744 is greater than Guideline minimum FICO of 680 D A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| 92010185304 | XX |  | XX | XX | 06/XX/2025 | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2025 | Resolved | FCRE1161 | Credit | Flood Certificate Missing | Missing Flood Certificate The file does not contain a copy of the Flood Certificate. | Document Uploaded. | 06/30/2025 | Flood Certificate is fully present | 07/01/2025 | Borrower has stable job time - Borrower has 6.3 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 33.13% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 744 is greater than Guideline minimum FICO of 680 D A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| 92010185304 | XX |  | XX | XX | 06/XX/2025 | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing XX checking account ending in \*XX with a balance of $210,670.84 as per the final 1003 | Document Uploaded. | 06/30/2025 | Asset Qualification Meets Guideline Requirements | 07/01/2025 | Borrower has stable job time - Borrower has 6.3 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 33.13% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 744 is greater than Guideline minimum FICO of 680 D A C | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| 92010185304 | XX |  | XX | XX | 06/XX/2025 | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2025 | Resolved | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Missing XX checking account ending in \*XX with a balance of $210,670.84 as per the final 1003 | Document Uploaded. | 06/30/2025 | The required number of months reserves are to be seasoned does meet Guideline requirement. | 07/01/2025 | Borrower has stable job time - Borrower has 6.3 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 33.13% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 744 is greater than Guideline minimum FICO of 680 D A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| 92010185304 | XX |  | XX | XX | 06/XX/2025 | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2025 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Missing XX checking account ending in \*XX with a balance of $210,670.84 as per the final 1003 | Document Uploaded. | 06/30/2025 | Funds are found to meet guidelines. | 07/01/2025 | Borrower has stable job time - Borrower has 6.3 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 33.13% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 744 is greater than Guideline minimum FICO of 680 D A C | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| 92010185304 | XX |  | XX | XX | 06/XX/2025 | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $5281.47. Missing XX checking account ending in \*XX with a balance of $210,670.84 as per the final 1003 | Document Uploaded. | 06/30/2025 | Audited Reserves of $129174.39 are equal to or greater than AUS Required Reserves of $5281.47.; Audited Reserves of $ are less than Guideline Required Reserves of $5281.47. . | 07/01/2025 | Borrower has stable job time - Borrower has 6.3 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 33.13% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 744 is greater than Guideline minimum FICO of 680 D A C | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| 92010185304 | XX |  | XX | XX | 06/XX/2025 | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FNMA SSR is missing to be able to determine if Desk Review is required. | Document Uploaded. | 06/30/2025 | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | 07/01/2025 | Borrower has stable job time - Borrower has 6.3 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 33.13% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 744 is greater than Guideline minimum FICO of 680 D A C | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| 92010185304 | XX |  | XX | XX | 06/XX/2025 | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The file does not contain a copy of the required Fraud report. | Document Uploaded. | 06/30/2025 | Third Party Fraud Report is provided | 07/01/2025 | Borrower has stable job time - Borrower has 6.3 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 33.13% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 744 is greater than Guideline minimum FICO of 680 D A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| 92010185304 | XX |  | XX | XX | 06/XX/2025 | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required to confirm the e-Consent was received on or prior to 05/30/2025. | Document Uploaded. | 06/30/2025 | Evidence of eConsent is provided. | 07/01/2025 | Borrower has stable job time - Borrower has 6.3 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 33.13% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 744 is greater than Guideline minimum FICO of 680 D A B | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| 92010185304 | XX |  | XX | XX | 06/XX/2025 | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing | Document Uploaded. | 06/30/2025 | Borrower 1 Gap Credit Report is not missing. | 07/01/2025 | Borrower has stable job time - Borrower has 6.3 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 33.13% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 744 is greater than Guideline minimum FICO of 680 D A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| 92010184621 | XX |  | XX | XX | 06/XX/2025 | XX | IL | ATR/QM: Exempt | Loan Review Complete | 06/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.18% is less than Guideline LTV of 80%<br>Borrower has stable job time - Borrower has 27.18 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is greater than Guideline minimum FICO of 760<br>Qualifying DTI below max allowed. - Calculated DTI of 31.38% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.18% is less than Guideline CLTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92010184621 | XX |  | XX | XX | 06/XX/2025 | XX | IL | ATR/QM: Exempt | Loan Review Complete | 06/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.18% is less than Guideline LTV of 80%<br>Borrower has stable job time - Borrower has 27.18 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is greater than Guideline minimum FICO of 760<br>Qualifying DTI below max allowed. - Calculated DTI of 31.38% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.18% is less than Guideline CLTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92010184621 | XX |  | XX | XX | 06/XX/2025 | XX | IL | ATR/QM: Exempt | Loan Review Complete | 06/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.18% is less than Guideline LTV of 80%<br>Borrower has stable job time - Borrower has 27.18 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is greater than Guideline minimum FICO of 760<br>Qualifying DTI below max allowed. - Calculated DTI of 31.38% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.18% is less than Guideline CLTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92010184256 | XX |  | XX | XX | 07/XX/2025 | XX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/17/2025 | Resolved | FCRE1248 | Credit | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction The property seller is the Borrower's father. | – Reviewer to review gift of equity section of guidelines. This is where our guidelines have duplicity or overlap and you have to defer to the gift of equity section referenced in the non-arms length section. We only allow gift of equity from family members and this relationship must be disclosed on the gift of equity letter so this accounts for relationship and no further explanation is required when there is a gift of equity from a family member. In this case you must defer to the gift of equity section only. We would not ask for the same info twice or the why when its inherent to the transaction.<br>; Please ensure guidelines are reviewed before sending over feedback. Non-arms length transactions are allowed and the loan meets the requirements as outlined for no-arms length transactions, with a gift of equity.<br>| 07/29/2025 | Purchase is considered to be an Arm's Length Transaction, or Not Applicable; Lender validates gift of equity letter is sufficient for borrower explanation. <br> ; Borrower to provide a written explanation stating relationship to the seller and reason for purchase as required per lender guidelines is missing | 07/31/2025 | Borrower has stable job time - Borrower has 11.67 years on job. C A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 92010184256 | XX |  | XX | XX | 07/XX/2025 | XX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/18/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated 05/06/2025, however missing proof of e-consent dated 05/06/2025 or before. | Document Uploaded. | 07/23/2025 | Evidence of eConsent is provided. | 07/24/2025 | Borrower has stable job time - Borrower has 11.67 years on job. C A B | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 92010184256 | XX |  | XX | XX | 07/XX/2025 | XX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 11.67 years on job. C A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 92010182683 | XX |  | XX | XX | 07/XX/2025 | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/10/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide eConsent dated on or before 04/22/25. | Document Uploaded. | 07/15/2025 | Evidence of eConsent is provided. | 08/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 717 is greater than Guideline minimum FICO of 660<br>Borrower has stable job time - Borrower has 7.92 years on job. D B A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 92010182683 | XX |  | XX | XX | 07/XX/2025 | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/11/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines B1: Income calculated without the required January 2025 bank statement that is missing from the file. Please provide the January 2025 bank statement for XX account ending XX. | Document Uploaded. | 07/15/2025 | Income and Employment Meet Guidelines; Received the missing 1/2025 bank statement for #xx. | 08/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 717 is greater than Guideline minimum FICO of 660<br>Borrower has stable job time - Borrower has 7.92 years on job. D B C A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 92010182683 | XX |  | XX | XX | 07/XX/2025 | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/11/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The file does not contain a gap credit report dated within 30 days of the note date. | Document Uploaded. | 07/15/2025 | Borrower 1 Gap Credit Report is not missing.; Credit refresh report dated 6/11/2025 provided for B1. | 08/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 717 is greater than Guideline minimum FICO of 660<br>Borrower has stable job time - Borrower has 7.92 years on job. D B A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 92010182683 | XX |  | XX | XX | 07/XX/2025 | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/11/2025 | Resolved | FCRE5783 | Credit | Borrower 2 Gap Credit Report is Missing | Borrower 2 Gap Credit Report is Missing The file does not contain a gap credit report dated within 30 days of the note date. | Document Uploaded. | 07/15/2025 | Borrower 2 Gap Credit Report is not missing.; Credit refresh report dated 6/11/2025 provided for B2. | 08/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 717 is greater than Guideline minimum FICO of 660<br>Borrower has stable job time - Borrower has 7.92 years on job. D B A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 92010182683 | XX |  | XX | XX | 07/XX/2025 | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/11/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The file does not contain a fraud report. | Document Uploaded. ; Document Uploaded. | 07/25/2025 | Third Party Fraud Report is provided; Updated fraud report received for the additional interested parties - no matches or issues present. ; Fraud report has been received for the borrowers. Missing EPLS and OFAC search for xx | 08/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 717 is greater than Guideline minimum FICO of 660<br>Borrower has stable job time - Borrower has 7.92 years on job. D B A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 92010182683 | XX |  | XX | XX | 07/XX/2025 | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/11/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The file does not contain a required VOM for the XX and the Balloon Note paid off and Belonging to XX | Document Uploaded. ; please confirm what is needed to satisfy this loan, thank you.; Document Uploaded. ; Document Uploaded. | 07/30/2025 | Approved lender exception : need exception to use LOX from seller of recorded contract for deed, citing all mortgage payments have been made on time. Maximum DTI 50%. Reviewer comments: Documents in file HUD from sale - purchase date 2/7/2020. (Seller XX/Seller to Buyer/XX) Bank account deposits for mortgage to seller XX (Bank acct jointly owned with XX/family representative for son XX who inherited subject from CXX) Documents for pay history. Bank transaction of deposits to seller 1.2024 to 1.2025 from 2.2025 to current mo. to loan close bank cash receipts of deposits to seller. LOE from seller, mortgage, note, pay-off. Compensating factors; FICO 20+ points greater than program requirement; 5 years in current job. ; Please provide either a revised exception allowing the borrower to go to a 49.88% DTI or provide the April 2025 CXX statement so we can rework the bank statement income. <br> Original condition: The exception provided reflects a maximum DTI of 45%. Auditor's DTI is 49.88% which met guidelines, but exceeds the 45% threshold on the exception form. Lender did not provide the April 2025 XX bank statement to add that additional month of income to the calculation. In addition the credit refresh provided for B1 reflects an increase in the monthly payment from $25/month to $141/month for XX. Exception provided for - Need exception to use LOX from seller of RECORDED contract for deed, citing all mortgage payments have been made on time. Approved by XX on 7/25/2025. No pricing adjustment, Max DTI 45%, Max LTV 75%. Guidelines used 1/30/2025 Reviewer comments: Documents in file HUD from sale - purchase date 2/7/2020. (Seller XXSeller to Buyer/xx) Bank account deposits for mortgage to seller XX (Bank acct jointly owned with XX/family representative for son BXXwho inherited subject from XX Documents for pay history. Bank transaction of deposits to seller 1.2024 to 1.2025 from 2.2025 to current mo. to loan close bank cash receipts of deposits to seller. LOE from seller, mortgage, note, pay-off.; The exception provided reflects a maximum DTI of 45%. Auditor's DTI is 49.88% which met guidelines, but exceeds the 45% threshold on the exception form. Lender did not provide the April 2025 XX bank statement to add that additional month of income to the calculation. In addition the credit refresh provided for B1 reflects an increase in the monthly payment from $25/month to $141/month for xx <br> Exception provided for - Need exception to use LOX from seller of RECORDED contract for deed, citing all mortgage payments have been made on time. Approved by XX on 7/25/2025. No pricing adjustment, Max DTI 45%, Max LTV 75%. Guidelines used 1/30/2025 Reviewer comments: Documents in file HUD from sale - purchase date 2/7/2020. (Seller XXSeller to Buyer/xx) Bank account deposits for mortgage to seller JXX(Bank acct jointly owned with xx/family representative for son xxwho inherited subject from XX Documents for pay history. Bank transaction of deposits to seller 1.2024 to 1.2025 from 2.2025 to current mo. to loan close bank cash receipts of deposits to seller. LOE from seller, mortgage, note, pay-off.; Exception provided for - Need exception to use LOX from seller of RECORDED contract for deed, citing all mortgage payments have been made on time. <br> Approved by XX on 7/25/2025. No pricing adjustment, Max DTI 45%, Max LTV 75%. Guidelines used 1/30/2025<br> Reviewer comments: Documents in file HUD from sale - purchase date 2/7/2020. (XX/Seller to Buyer/xx) Bank account deposits for mortgage to seller xx (Bank acct jointly owned with XX/family representative for son xx who inherited subject from XX)<br> Documents for pay history. Bank transaction of deposits to seller 1.2024 to 1.2025 from 2.2025 to current mo. to loan close bank cash receipts of deposits to seller. LOE from seller, mortgage, note, pay-off. ; Received the fully executed contract for deed, hud1 from closing, mortgage statements for the existing mortgage, property profile and proof of rental/contract payment history from 1/2024-4/2025. Property profile confirms the contract for deed was recorded. Lender guidelines from 1/30/2025 pg 36 states cancelled checks are required to document the 12 months rental/contract for deed payment history. Per letter of explanation from the seller, payments were made in cash. This doesn't meet the lender guidelines. ; Housing History Does Not Meet Guideline Requirements; Received the fully executed contract for deed, hud1 from closing, mortgage statements for the existing mortgage, property profile and proof of rental/contract payment history from 1/2024-4/2025. Property profile confirms the contract for deed was recorded. Lender guidelines from 1/30/2025 pg 36 states cancelled checks are required to document the 12 months rental/contract for deed payment history. Per letter of explanation from the seller, payments were made in cash. This doesn't meet the lender guidelines. | 08/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 717 is greater than Guideline minimum FICO of 660<br>Borrower has stable job time - Borrower has 7.92 years on job. D B C A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 92010182683 | XX |  | XX | XX | 07/XX/2025 | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 717 is greater than Guideline minimum FICO of 660<br>Borrower has stable job time - Borrower has 7.92 years on job. D B A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 92010180428 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Resolved | FCRE1326 | Credit | Borrower 1 YTD Profit & Loss Missing | Borrower 1 YTD Profit & Loss Missing | Document Uploaded. ; Document Uploaded. | 07/14/2025 | Borrower 1 YTD Profit & Loss Provided; Signed P&L received. ; The dated and executed profit and loss statement has still not been provided. We are still missing the signed and dated 12 month profit and loss statement to support $19,398.86/month in qualifying income per the final 1003 and 1008 for the borrower's XX/business.; We are still missing the signed and dated 12 month profit and loss statement to support $19,398.86/month in qualifying income per the final 1003 and 1008 for the borrower's XX/business. | 07/31/2025 | Borrower has stable job time - Borrower has 5.28 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 680 D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92010180428 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/03/2025 | Resolved | FCRE1483 | Credit | Asset 5 Does Not Meet Guideline Requirements | Asset 5 Does Not Meet Guideline Requirements Gift from XX for $4,500 - missing a copy of the gift check to complete the gift documentation requirements per lender guidelines. Gift letter provided and can see the deposit in the borrower's XXChecking account on 6/10/2025. | Document Uploaded. | 07/23/2025 | Asset 5 Meets Guideline Requirements Or Not Applicable; Gift check received from XX for $4500. ; Asset 5 Does Not Meet Guideline Requirements | 07/31/2025 | Borrower has stable job time - Borrower has 5.28 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 680 D A C | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92010180428 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. | Document Uploaded. | 07/02/2025 | Funds are found to meet guidelines.; Asset documentation including XX statements, Gift Letters, Gift Checks and proof of earnest money deposit clearance has been provided. | 07/31/2025 | Borrower has stable job time - Borrower has 5.28 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 680 D A C | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92010180428 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines | Document Uploaded. ; Document Uploaded. | 07/14/2025 | Income and Employment Meet Guidelines; Signed P&L Received. ; We are still missing the signed and dated 12 month profit and loss statement to support $19,398.86/month in qualifying income per the final 1003 and 1008 for the borrower's XX/business. | 07/31/2025 | Borrower has stable job time - Borrower has 5.28 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 680 D A C | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92010180428 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Resolved | FCRE1495 | Credit | ATR: Current Employment Not Verified | ATR: Current Employment Not Verified Missing Profit and Loss | Document Uploaded. ; Document Uploaded. | 07/14/2025 | ATR: Current Employment Was Verified; Signed P&L has been received. ; Signed P&L received dated 3/22/2025. ; The executed 1 year P&L has not been provided for the borrower's business. ; CPA letter provided dated 6/9/2025 verifying the business is open and active. | 07/31/2025 | Borrower has stable job time - Borrower has 5.28 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 680 D A C | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92010180428 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide e-signature dated on or before 3/18/2025. | Document Uploaded. | 07/02/2025 | Evidence of eConsent is provided. | 07/31/2025 | Borrower has stable job time - Borrower has 5.28 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 680 D A B | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92010180428 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Fraud Report. | Document Uploaded. ; Document Uploaded. | 07/23/2025 | Third Party Fraud Report is provided; Received an updated fraud report for the borrower and includes the additional interested parties. No issues noted. ; Fraud report received for the borrower. We are missing the exclusionary search for the second appraiser/appraisal company: xx | 07/31/2025 | Borrower has stable job time - Borrower has 5.28 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 680 D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92010180428 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $35288.64. Missing assets in the amount of $212,536.76 per Final 1003 and Final 1008. | Document Uploaded. | 07/02/2025 | Audited Reserves of $40365.61 are equal to or greater than AUS Required Reserves of $36632.16.; Asset documentation including XXstatements, Gift Letters, Gift Checks and proof of earnest money deposit clearance has been provided. | 07/31/2025 | Borrower has stable job time - Borrower has 5.28 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 680 D A C | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92010180428 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Resolved | FCRE1292 | Credit | Income 1 Months Income Verified is Missing | Income 1 Months Income Verified is Missing Missing 12 month P&L | Document Uploaded. ; Document Uploaded. | 07/14/2025 | Income 1 Months Income Verified is Present Or Not Applicable; Signed P&L received. ; Documentation uploaded did not address the outstanding conditions. We are still missing the signed and dated 12 month profit and loss statement to support $19,398.86/month in qualifying income per the final 1003 and 1008 for the borrower's XX/business.; We are still missing the signed and dated 12 month profit and loss statement to support $19,398.86/month in qualifying income per the final 1003 and 1008 for the borrower's XX/business. | 07/31/2025 | Borrower has stable job time - Borrower has 5.28 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 680 D A C | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92010180428 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Resolved | FCRE1497 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered Missing assets statement in the amount of $212,536.76 per Final 1003 and Final 1008. | Document Uploaded. GIFT CHECK ATTACHED; We do not require this for accts shared with a spouse.; Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 07/29/2025 | ATR: Reasonable Income or Assets Was Considered; Copy of gift check of $4500 from xx to borrower was received. ; Lender comments reviewed. Lender validates additional person on XXis borrower's spouse, an access letter is not required. Missing copy of copy of the gift check for $4500 from XX; The lender has uploaded the borrower's profit and loss for XX and bank statement showing deposit of the $4500 gift funds. This doesn't address the two outstanding conditions. Finding remains outstanding: The following condition remains outstanding/documentation uploaded did not address the condition: Missing access letter from NXX for the XX and a copy of the gift check for $4500 from XX; The lender has uploaded the borrower's profit and loss for XX and bank statement showing deposit of the $4500 gift funds. This doesn't address the two outstanding conditions. Finding remains outstanding: The following condition remains outstanding/documentation uploaded did not address the condition: Missing access letter from XX for the TXXand a copy of the gift check for $4500 from XX; The following condition remains outstanding/documentation uploaded did not address the condition: Missing access letter from XX for the XX and a copy of the gift check for $4500 from XX.; Missing access letter from XXn for the XX and a copy of the gift check for $4500 from XX ; Asset and gift documentation has been received as well as the earnest money check clearance for $44,950. | 07/31/2025 | Borrower has stable job time - Borrower has 5.28 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 680 D A C | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92010180428 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Resolved | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Missing assets in the amount of $212,536.76 per Final 1003 and Final 1008. | Document Uploaded. | 07/02/2025 | The required number of months reserves are to be seasoned does meet Guideline requirement.; Asset documentation including XXstatements, Gift Letters, Gift Checks and proof of earnest money deposit clearance has been provided. | 07/31/2025 | Borrower has stable job time - Borrower has 5.28 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 680 D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92010180428 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing assets in the amount of $212,536.76 per Final 1003 and Final 1008. | Document Uploaded. | 07/02/2025 | Asset Qualification Meets Guideline Requirements; Asset documentation includingXX statements, Gift Letters, Gift Checks and proof of earnest money deposit clearance has been provided. | 07/31/2025 | Borrower has stable job time - Borrower has 5.28 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 680 D A C | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92010180428 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Resolved | FCRE1157 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy Missing HOI policy for subject property. | Document Uploaded. | 07/02/2025 | Hazard Insurance Policy is fully present; Hazard insurance declarations page and replacement cost estimate has been provided for the subject property. | 07/31/2025 | Borrower has stable job time - Borrower has 5.28 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 680 D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92010180428 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing | Document Uploaded. ; Document Uploaded. | 07/09/2025 | Borrower 1 Gap Credit Report is not missing.; Credit refresh provided for the borrower. ; Document cannot be opened/corrupted. Please reupload the credit refresh for the borrower. Borrower 1 Gap Credit Report is Missing | 07/31/2025 | Borrower has stable job time - Borrower has 5.28 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 680 D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92010180428 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | Document Uploaded. | 07/02/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided; CPA letter dated 6/9/2025 has been provided confirming the business is open and active. | 07/31/2025 | Borrower has stable job time - Borrower has 5.28 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 680 D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92010180428 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/03/2025 | Resolved | FCRE9500 | Credit | Missing Letter of Explanation (Assets) | Please provide a executed access letter from xx for the use of the assets from XX checking #XX. | – We do not require this for accts shared with a spouse.<br> ; – We do not require this for accts shared with a spouse.; Document Uploaded. | 07/24/2025 | Lender comments reviewed. Lender validates additional person on XX account #XX is borrower's spouse, an access letter is not required. ; Reviewed the lender's rebuttal. We do not have anything in the file confirming that XXis the borrower's spouse. Documentation uploaded did not address the outstanding condition: Please provide a executed access letter from XX for the use of the assets from XX.; Documentation uploaded did not address the outstanding condition: Please provide a executed access letter from XX for the use of the assets from XX | 07/28/2025 | Borrower has stable job time - Borrower has 5.28 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 680 D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92010180428 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Resolved | finding-2559 | Compliance | NY Subprime Home Loan Test | Subprime legend on the face of the mortgage and NY Counseling list on page 412. This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. |  |  | HPML compliant | 06/30/2025 | Borrower has stable job time - Borrower has 5.28 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 680 D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92010180428 | XX |  | XX | XX | 06/XX/2025 | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade 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 | 06/30/2025 | Borrower has stable job time - Borrower has 5.28 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 680 D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 92300185715 | XX | XX | XX | XX | 05/XX/2025 | XX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 8.75% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 3.11 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300185715 | XX | XX | XX | XX | 05/XX/2025 | XX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 8.75% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 3.11 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300185715 | XX | XX | XX | XX | 05/XX/2025 | XX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 8.75% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 3.11 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300185742 | XX | XX | XX | XX | 05/XX/2025 | XX | TX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/19/2025 | 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 is compliant and allowed per lender guidelines; therefore, downgraded to A. | 05/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 737 is greater than Guideline minimum FICO of 720<br>Borrower has stable job time - Borrower has 2.36 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300185742 | XX | XX | XX | XX | 05/XX/2025 | XX | TX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 737 is greater than Guideline minimum FICO of 720<br>Borrower has stable job time - Borrower has 2.36 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300185742 | XX | XX | XX | XX | 05/XX/2025 | XX | TX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 737 is greater than Guideline minimum FICO of 720<br>Borrower has stable job time - Borrower has 2.36 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300185778 | XX | XX | XX | XX | 05/XX/2025 | XX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/21/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing page 2, that reflects any riders and if applicable rider required as well if reflected on page 2 of DOT. | Document Uploaded. | 05/23/2025 | Documentation provided is sufficient. Exception resolved.; The Deed of Trust is Present and Complete | 07/14/2025 | Borrower has stable job time - Borrower has 2.34 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92300185778 | XX | XX | XX | XX | 05/XX/2025 | XX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/22/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of 50.13% exceeds Guideline DTI of 50% The other debt monthly calculated at $696 per month which matches the final 1003 and credit report in the loan file, but according to the 1008 lender only included $524 per month, which is a variance of $174 and the cause of DTI exceeding 50% borrower FICO below 700, and therefore does not qualify for a DTI of 55%. | Document Uploaded. | 05/23/2025 | Audited DTI of 47.43% is less than or equal to Guideline DTI of 50%. The Charge Off is outside statue of limitations and can be excluded per lender guidelines. Exception Resolved. | 07/14/2025 | Borrower has stable job time - Borrower has 2.34 years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92300185778 | XX | XX | XX | XX | 05/XX/2025 | XX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 2.34 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92300185778 | XX | XX | XX | XX | 05/XX/2025 | XX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 2.34 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92300185724 | XX | XX | XX | XX | 05/XX/2025 | XX | TX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 35.27% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 7.28 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300185724 | XX | XX | XX | XX | 05/XX/2025 | XX | TX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 35.27% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 7.28 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300185724 | XX | XX | XX | XX | 05/XX/2025 | XX | TX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 35.27% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 7.28 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300185790 | XX | XX | XX | XX | 05/XX/2025 | XX | NJ | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 20.96 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300185790 | XX | XX | XX | XX | 05/XX/2025 | XX | NJ | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 20.96 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300185790 | XX | XX | XX | XX | 05/XX/2025 | XX | NJ | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 20.96 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300185726 | XX | XX | XX | XX | 05/XX/2025 | XX | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/17/2025 | Resolved | FCRE1157 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy A Hazard Insurance Policy reflecting 100% of the insurable value of improvements or 100% of the Total Estimate of Cost-New per the appraiser is required. | Document Uploaded. ; please clear this condition - this is a duplicate; Document Uploaded. Coverage details uploaded (page 21 of total 30 pages, or 10 of 18 numbered at bottom left) highlights coverage details indicating building coverage is at replacement cost. ; Document Uploaded. Please clarify if you are asking for the actual HOI, which should be in the ship file or a correction to the HOI. I've attached the HOI just in case you're looking for the actual policy. ; Document Uploaded. | 06/02/2025 | Received HOI, which provided coverage of 889,094 plus 25% ordinance of law coverage, which is a total coverage of $1,111,368 and is sufficient coverage for this property, loan amount and total cost new. Exception Resolved.; Hazard Insurance Policy is fully present; The building coverage at replacement cost referenced in your comment still does not meet the requirement as 80% of the replacement cost being $762,352 is less than the dwelling coverage $889,094.<br> Per Guidelines, The insurance coverage should reflect one of the following: • 100% of the insurable value of the improvements, as established by the property insurer; or • 100% of the Total Estimate of Cost-New per the appraiser; or<br> • The unpaid principal balance of the mortgage, as long as it at least equals the minimum amount—80% of the insurable value of the improvements—required to compensate for damage or loss on a replacement cost basis. If it does not, then coverage that does provide the minimum required amount must be obtained. The building coverage at replacement cost referenced in your comment still does not meet the requirement as 80% of the replacement cost being $762,352 is less than the dwelling coverage $889,094; The building coverage at replacement cost referenced in your comment still does not meet the requirement as 80% of the replacement cost being $762,352 is less than the dwelling coverage $889,094.<br> Per Guidelines, The insurance coverage should reflect one of the following: • 100% of the insurable value of the improvements, as established by the property insurer; or • 100% of the Total Estimate of Cost-New per the appraiser; or<br> • The unpaid principal balance of the mortgage, as long as it at least equals the minimum amount—80% of the insurable value of the improvements—required to compensate for damage or loss on a replacement cost basis. If it does not, then coverage that does provide the minimum required amount must be obtained. The building coverage at replacement cost referenced in your comment still does not meet the requirement as 80% of the replacement cost being $762,352 is less than the dwelling coverage $889,094; Hazard Insurance Policy is fully present; Policy should cover the loan amount of $918,000.00. The replacement cost new on the appraisal of $952,940.00 is higher, and the 80% rule is to cover the minimum amount of the insurable value in case the unpaid balance was lower than the 80%. Exception remains. ; Hazard Insurance Policy is fully present; Please provide the Hazard policy. Exception remains. | 07/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 764 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 18.96% is less than Guideline DTI of 55% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92300185726 | XX | XX | XX | XX | 05/XX/2025 | XX | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/29/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XX) is insufficient, not meeting the required coverage amount of ($XX). | Document Uploaded. ; Document Uploaded. ; Document Uploaded. Coverage details uploaded (page 21 of total 30 pages, or 10 of 18 numbered at bottom left) highlights coverage details indicating building coverage is at replacement cost. | 06/02/2025 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount - Received HOI, which provided coverage of 889,094 plus 25% ordinance of law coverage, which is a total coverage of $1,111,368 and is sufficient coverage for this property, loan amount and total cost new. Exception Resolved.; The building coverage at replacement cost referenced in your comment still does not meet the requirement as 80% of the replacement cost being $762,352 is less than the dwelling coverage $889,094.<br> Per Guidelines, The insurance coverage should reflect one of the following: • 100% of the insurable value of the improvements, as established by the property insurer; or • 100% of the Total Estimate of Cost-New per the appraiser; or<br> • The unpaid principal balance of the mortgage, as long as it at least equals the minimum amount—80% of the insurable value of the improvements—required to compensate for damage or loss on a replacement cost basis. If it does not, then coverage that does provide the minimum required amount must be obtained. The building coverage at replacement cost referenced in your comment still does not meet the requirement as 80% of the replacement cost being $762,352 is less than the dwelling coverage $889,094; The hazard insurance dwelling coverage of ($889094) is insufficient, not meeting the required coverage amount of ($918000). - The hazard insurance dwelling coverage of ($889094) is insufficient, not meeting the required coverage amount of ($918000). | 07/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 764 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 18.96% is less than Guideline DTI of 55% D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92300185726 | XX | XX | XX | XX | 05/XX/2025 | XX | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 764 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 18.96% is less than Guideline DTI of 55% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92300185726 | XX | XX | XX | XX | 05/XX/2025 | XX | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 764 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 18.96% is less than Guideline DTI of 55% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 92300185787 | XX | XX | XX | XX | 05/XX/2025 | XX | TX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 3.17 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 43.48% is less than Guideline DTI of 55%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 718 is greater than Guideline minimum FICO of 700 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300185787 | XX | XX | XX | XX | 05/XX/2025 | XX | TX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 3.17 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 43.48% is less than Guideline DTI of 55%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 718 is greater than Guideline minimum FICO of 700 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300185787 | XX | XX | XX | XX | 05/XX/2025 | XX | TX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 3.17 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 43.48% is less than Guideline DTI of 55%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 718 is greater than Guideline minimum FICO of 700 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400077001 | XX | XX | XX | XX | 06/XX/2024 | XX | TX | ATR/QM: Exempt | Loan Review Complete | 06/28/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 772 is greater than Guideline minimum FICO of 740 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400077001 | XX | XX | XX | XX | 06/XX/2024 | XX | TX | ATR/QM: Exempt | Loan Review Complete | 06/28/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 772 is greater than Guideline minimum FICO of 740 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300185815 | XX | XX | XX | XX | 05/XX/2025 | XX | NJ | ATR/QM: Exempt | Loan Review Complete | 05/23/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Note, mortgage, and sales contract reflect property address as:XX Appraisal reflects: XX; Desk Review, and Hazard policy reflect: XX | Document Uploaded. ; Document Uploaded. Updated appraisal and HOI; Document Uploaded. | 06/10/2025 | Property/Appraisal Meets Guidelines; Documentation provided is sufficient. Exception resolved.; Address issues resolved for Appraisal report and Homeowner insurance policy except for Desk review. Exception remains.; Documentation provided is insufficient. Property address on Note, mortgage, and sales contract reflect property address as: XX; Appraisal reflects: 3XX All addresses must match the standardized mailing address. Exception remains. | 07/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 720 C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 92300185815 | XX | XX | XX | XX | 05/XX/2025 | XX | NJ | ATR/QM: Exempt | Loan Review Complete | 05/23/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Subject property address results are based on input APN (parcel number). Input address does not match the address associated with the APN. First page of fraud report does not reflect a subject property address. | Document Uploaded. | 05/29/2025 | Documentation provided is sufficient. Exception resolved.; All Fraud Report Alerts have been cleared or None Exist | 07/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 720 C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 92300185815 | XX | XX | XX | XX | 05/XX/2025 | XX | NJ | ATR/QM: Exempt | Loan Review Complete | 05/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 720 C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 92300187774 | XX | XX | XX | XX | 06/XX/2025 | XX | FL | ATR/QM: Exempt | Loan Review Complete | 06/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 31.29% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 21.45 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300187774 | XX | XX | XX | XX | 06/XX/2025 | XX | FL | ATR/QM: Exempt | Loan Review Complete | 06/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 31.29% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 21.45 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300187774 | XX | XX | XX | XX | 06/XX/2025 | XX | FL | ATR/QM: Exempt | Loan Review Complete | 06/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 31.29% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 21.45 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300187762 | XX | XX | XX | XX | 06/XX/2025 | XX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/23/2025 | Acknowledged | FCRE1199 | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of $XX is greater than the Guideline Maximum Loan Amount of $3500000 | Document Uploaded. | 06/25/2025 | The guidelines state the maximum loan amount is $3,500,000.00. The subject transaction is for $XX, exceeded the maximum loan amount allowed. However, a credit exception was granted for the loan amount citing compensating factors of an excellent credit history and minimal use of credit, excessive reserves, significant residual income, a low DTI and the mortgages paid on time for the last 24+ months. Acknowledged and downgraded. | 06/26/2025 | Borrower has stable job time - Borrower has 8.26 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 11.93% is less than Guideline DTI of 55% C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 92300187762 | XX | XX | XX | XX | 06/XX/2025 | XX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 8.26 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 11.93% is less than Guideline DTI of 55% C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 92300187762 | XX | XX | XX | XX | 06/XX/2025 | XX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 8.26 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 11.93% is less than Guideline DTI of 55% C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 92300187796 | XX | XX | XX | XX | 06/XX/2025 | XX | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/24/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 06/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 782 is greater than Guideline minimum FICO of 740 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300187796 | XX | XX | XX | XX | 06/XX/2025 | XX | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 782 is greater than Guideline minimum FICO of 740 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92300187796 | XX | XX | XX | XX | 06/XX/2025 | XX | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 782 is greater than Guideline minimum FICO of 740 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92400186338 | XX |  | XX | XX | 6/XX/2025 | XX | NJ | ATR/QM Exempt | Loan Review Complete | 06/25/2025 | Resolved | 9453151683 | Credit | Background Check Missing or Defective | Missing Background Report For: IXX | 06/26/2025 Fraud Report uploaded | 06/26/2025 | 20250626: Received trailing docs | 06/26/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92400186338 | XX |  | XX | XX | 6/XX/2025 | XX | NJ | ATR/QM Exempt | Loan Review Complete | 06/25/2025 | Resolved | 9453253401 | Property | Flood Insurance Missing or Defective | Missing Flood Insurance for subject property: XX | 05/26/2025 Flood Insurance uploaded | 06/26/2025 | 20250627: Received Insurance | 06/27/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92400186338 | XX |  | XX | XX | 6/XX/2025 | XX | NJ | ATR/QM Exempt | Loan Review Complete | 06/25/2025 | Resolved | 9453258760 | Property | Appraisal Review - Missing | Missing Appraisal Review for subject property: XX | 06/26/2025 CDA uploaded | 06/26/2025 | 20250626: Received trailing docs | 06/26/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92400186057 | XX |  | XX | XX | 6/XX/2025 | XX | OK | ATR/QM Exempt | Loan Review Complete | 06/30/2025 | Resolved | 9485070959 | Credit | Background Check Missing or Defective | Missing Background Report For Guarantor: XX | 20250701: Uploaded BG | 07/01/2025 | 20250701: Received BG | 07/01/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92400186057 | XX |  | XX | XX | 6/XX/2025 | XX | OK | ATR/QM Exempt | Loan Review Complete | 06/30/2025 | Resolved | 9485076518 | Credit | Credit Report Missing or Defective | Missing Credit Report for Guarantor: XX | 20250701: Uploaded Credit Report | 07/01/2025 | 20250701: Received credit report | 07/01/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92400184206 | XX |  | XX | XX | 6/XX/2025 | XX | CT | ATR/QM Exempt | Loan Review Complete | 07/03/2025 | Resolved | 9514370907 | Credit | Background Check Missing or Defective | Missing Background Report for: XX | 20250710: Fraud | 07/10/2025 | 20250710: Received trailing docs | 07/10/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92400184206 | XX |  | XX | XX | 6/XX/2025 | XX | CT | ATR/QM Exempt | Loan Review Complete | 07/03/2025 | Resolved | 9514371851 | Property | Appraisal Review - Missing | Missing Appraisal Review for subject property located at: XX | 20250711:CDA | 07/11/2025 | 20250711: Received CDA | 07/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92400183934 | XX |  | XX | XX | 6/XX/2025 | XX | NY | ATR/QM Exempt | Loan Review Complete | 07/03/2025 | Resolved | 9514373050 | Credit | Background Check Missing or Defective | Missing Background Report for: XX | 20250709: Uploaded Fraud | 07/09/2025 | 20250709: Received Fraud | 07/09/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92400183934 | XX |  | XX | XX | 6/XX/2025 | XX | NY | ATR/QM Exempt | Loan Review Complete | 07/03/2025 | Resolved | 9514376867 | Property | Appraisal Review - Missing | Missing Appraisal Review for subject property located at: XX | 20250709: Uploaded CDA | 07/09/2025 | 20250709: Received CDA | 07/09/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010184064 | XX |  | XX | XX | 7/XX/2025 | XX | NJ | ATR/QM Exempt | Loan Review Complete | 07/07/2025 | Resolved | 9533621318 | Credit | Entity Documentation - Missing or Defective | Missing Operating Agreement for: XX | 20250710: Uploaded OA | 07/10/2025 | 20250711: Received entity docs | 07/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010184064 | XX |  | XX | XX | 7/XX/2025 | XX | NJ | ATR/QM Exempt | Loan Review Complete | 07/07/2025 | Resolved | 9533626277 | Credit | Background Check Missing or Defective | Missing Background Report for guarantor: XX | 20250710: Fraud | 07/10/2025 | 20250711: Received Fraud | 07/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010184064 | XX |  | XX | XX | 7/XX/2025 | XX | NJ | ATR/QM Exempt | Loan Review Complete | 07/07/2025 | Resolved | 9533629393 | Credit | Hazard Insurance Missing or Defective | Missing Hazard Insurance for subject property located at: XX | 20250710: Insurance | 07/10/2025 | 20250711: Received Insurance | 07/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010184064 | XX |  | XX | XX | 7/XX/2025 | XX | NJ | ATR/QM Exempt | Loan Review Complete | 07/07/2025 | Resolved | 9533631248 | Credit | Insufficient Assets to Close | $146,808.7 < $211,662.06 minimum liquidity required. Please provide additional assets. | 20250710: Assets | 07/10/2025 | 20250711: Received assets | 07/11/2025 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92400186690 | XX |  | XX | XX | 6/XX/2025 | XX | CA | ATR/QM Exempt | Loan Review Complete | 07/08/2025 | Resolved | 9545695635 | Credit | Background Check Missing or Defective | Missing Background Report for: xx | 20250709: Fraud | 07/09/2025 | 20250710: Received Fraud | 07/10/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92400186690 | XX |  | XX | XX | 6/XX/2025 | XX | CA | ATR/QM Exempt | Loan Review Complete | 07/08/2025 | Resolved | 9545734575 | Credit | Title Insurance Missing or Defective | Preliminary Title is missing Mortgagee Clause after Lender's name. Please provide updated Title Policy with ISAOA/ATIMA | 20250709: Title | 07/09/2025 | 20250710: Received title | 07/10/2025 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010186834 | XX |  | XX | XX | 7/XX/2025 | XX | NJ | ATR/QM Exempt | Loan Review Complete | 07/09/2025 | Resolved | 9554326065 | Credit | Entity Documentation - Missing or Defective | Missing Articles of Organization for Entity: XX | 20250711: Entity docs | 07/11/2025 | 20250714: Received entity docs | 07/14/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010186834 | XX |  | XX | XX | 7/XX/2025 | XX | NJ | ATR/QM Exempt | Loan Review Complete | 07/09/2025 | Resolved | 9554326496 | Credit | Entity Documentation - Missing or Defective | Missing Operating Agreement for Entity: XX | 20250711: Entity docs | 07/11/2025 | 20250714: Received entity docs | 07/14/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010186834 | XX |  | XX | XX | 7/XX/2025 | XX | NJ | ATR/QM Exempt | Loan Review Complete | 07/09/2025 | Resolved | 9554571405 | Credit | Asset Documentation Missing or Defective | Missing Asset Documents | 20250711: Assets | 07/11/2025 | 20250714: Received assets | 07/14/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010186834 | XX |  | XX | XX | 7/XX/2025 | XX | NJ | ATR/QM Exempt | Loan Review Complete | 07/09/2025 | Resolved | 9554594965 | Property | Appraisal Review - Missing | Missing Appraisal Review for subject property: XX | 20250711: Appraisal Review | 07/11/2025 | 20250714: Received appraisal review | 07/14/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010186834 | XX |  | XX | XX | 7/XX/2025 | XX | NJ | ATR/QM Exempt | Loan Review Complete | 07/09/2025 | Resolved | 9554595996 | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for subject property: XX | 20250711: Insurance | 07/11/2025 | 20250714: Received Insurance | 07/14/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010186087 | XX |  | XX | XX | 7/XX/2025 | XX | NY | ATR/QM Exempt | Loan Review Complete | 07/09/2025 | Resolved | 9554716831 | Credit | Background Check Missing or Defective | Missing Background Report for: XX | 20250711: Fraud | 07/11/2025 | 20250714: Received fraud | 07/14/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010186087 | XX |  | XX | XX | 7/XX/2025 | XX | NY | ATR/QM Exempt | Loan Review Complete | 07/09/2025 | Resolved | 9554717272 | Property | Appraisal Missing or Defective | Missing Appraisal for subject property: XX | 20250711: Appraisal | 07/11/2025 | 20250714: Received Appraisal | 07/14/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010186087 | XX |  | XX | XX | 7/XX/2025 | XX | NY | ATR/QM Exempt | Loan Review Complete | 07/09/2025 | Resolved | 9554717726 | Property | Subject Property Lease - Missing or Defective | Missing Lease Agreement for subject property located at: XX | 20250711: Leases | 07/11/2025 | 20250714: Received Lease | 07/01/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010186087 | XX |  | XX | XX | 7/XX/2025 | XX | NY | ATR/QM Exempt | Loan Review Complete | 07/09/2025 | Resolved | 9554743211 | Credit | Hazard Insurance Missing or Defective | Missing Hazard Insurance for subject property located at: XX | 20250711: Hazard Insurance | 07/11/2025 | 20250714: Received Insurance | 07/14/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010186465 | XX |  | XX | XX | 7/XX/2025 | XX | TN | ATR/QM Exempt | Loan Review Complete | 07/17/2025 | Resolved | 92010186465-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010186409 | XX |  | XX | XX | 7/XX/2025 | XX | NY | ATR/QM Exempt | Loan Review Complete | 07/17/2025 | Resolved | 92010186409-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010186613 | XX |  | XX | XX | 7/XX/2025 | XX | TX | ATR/QM Exempt | Loan Review Complete | 07/18/2025 | Resolved | 92010186613-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010187494 | XX |  | XX | XX | 7/XX/2025 | XX | TX | ATR/QM Exempt | Loan Review Complete | 07/30/2025 | Resolved | 9710420445 | Credit | Background Check Missing or Defective | Missing criminal record on Background Report |  |  | 20250731: Per NQM overlay borrower's criminal record is not required. | 07/31/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010187950 | XX |  | XX | XX | 7/XX/2025 | XX | NY | ATR/QM Exempt | Loan Review Complete | 08/01/2025 | Resolved | 92010187950-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 92400185965 | XX |  | XX | XX | 5/XX/2025 | XX | NC | ATR/QM Exempt | Loan Review Complete | 06/04/2025 | Resolved | 9304576837 | Credit | Background Check Missing or Defective | Missing background Report for Guarantor: XX | 20250609 fraud uploaded | 06/09/2025 | 20250610: Received | 06/10/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92300186511 | XX |  | XX | XX | 6/XX/2025 | XX | TX | ATR/QM Exempt | Loan Review Complete | 06/11/2025 | Resolved | 9354586097 | Credit | Closing Documentation Missing or Defective | Missing Conveyance Deed from XX | 20250613 deed uploaded | 06/13/2025 | 20250613: Received | 06/13/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92400185307 | XX |  | XX | XX | 6/XX/2025 | XX | CA | ATR/QM Exempt | Loan Review Complete | 06/11/2025 | Resolved | 9354641446 | Credit | Background Check Missing or Defective | Missing Background report for XX | 6.12.25: Fraud | 06/12/2025 | 20250612: Received | 06/12/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92300186645 | XX |  | XX | XX | 6/XX/2025 | XX | CA | ATR/QM Exempt | Loan Review Complete | 06/13/2025 | Resolved | 9374167737 | Credit | Title Insurance Missing or Defective | Title in file is missing mortgagee clause. Please provide updated Title with Lender name followed by ISAOA | 20250617: Title | 06/17/2025 | 20250618: Received trailing docs | 06/18/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 92300186645 | XX |  | XX | XX | 6/XX/2025 | XX | CA | ATR/QM Exempt | Loan Review Complete | 06/13/2025 | Resolved | 9374168275 | Credit | Insufficient Assets to Close | $104,153.70 assets < $305,551.8 minimum liquidity required. Please provide additional assets. | 6.17.2025: Assets | 06/17/2025 | 20250617: Received trailing docs | 06/17/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010184994 | XX |  | XX | XX | 6/XX/2025 | XX | FL | ATR/QM Exempt | Loan Review Complete | 06/16/2025 | Resolved | 9384555365 | Credit | Entity Documentation - Missing or Defective | Missing Operating Agreement and Articles of Organization for Entity : XX | 20250618: operating agreement | 06/18/2025 | 20250618: Received trailing docs | 06/18/2025 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 92010184994 | XX |  | XX | XX | 6/XX/2025 | XX | FL | ATR/QM Exempt | Loan Review Complete | 06/16/2025 | Resolved | 9384581059 | Credit | Background Check Missing or Defective | Missing Background Report | 20250618: fraud | 06/18/2025 | 20250618: Received trailing docs | 06/18/2025 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 92010184994 | XX |  | XX | XX | 6/XX/2025 | XX | FL | ATR/QM Exempt | Loan Review Complete | 06/16/2025 | Resolved | 9384859215 | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for Subject Property Located At: XX | 20250618: insurance | 06/18/2025 | 20250618: Received trailing docs | 06/18/2025 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 92010184994 | XX |  | XX | XX | 6/XX/2025 | XX | FL | ATR/QM Exempt | Loan Review Complete | 06/16/2025 | Acknowledged | 9385025112 | Credit | Insufficient Assets for Reserves | Exception request: Please provide exception for DSCR Supreme reserves -5 months in lieu of 2 additional properties. | 20250616: Exception approved in file | 06/16/2025 | 20250616: Exception approval received | 06/16/2025 | FICO above the minimum by 20 points or higher, VOR 0X30 in 24 months (checks for private) D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 92010180308 | XX |  | XX | XX | 6/XX/2025 | XX | NJ | ATR/QM Exempt | Loan Review Complete | 06/16/2025 | Resolved | 9385434611 | Credit | Entity Documentation - Missing or Defective | Missing Articles Of Organization for Entity : XX | 20250618: entity | 06/18/2025 | 20250618: Received trailing doc | 06/18/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010180308 | XX |  | XX | XX | 6/XX/2025 | XX | NJ | ATR/QM Exempt | Loan Review Complete | 06/16/2025 | Resolved | 9385480979 | Credit | Background Check Missing or Defective | Missing Background Report for both borrowers. | 20250618: fraud | 06/18/2025 | 20250618: Received trailing doc | 06/18/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010180308 | XX |  | XX | XX | 6/XX/2025 | XX | NJ | ATR/QM Exempt | Loan Review Complete | 06/16/2025 | Resolved | 9385990168 | Property | Appraisal Missing or Defective | Missing Appraisal Report for property XX | 20250618: appraisal | 06/18/2025 | 20250619: Received | 06/19/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010180308 | XX |  | XX | XX | 6/XX/2025 | XX | NJ | ATR/QM Exempt | Loan Review Complete | 06/16/2025 | Resolved | 9386095549 | Property | Subject Property Lease - Missing or Defective | Missing Lease for subject property located at: XX | 20250618: lease | 06/18/2025 | 20250618: Received trailing doc | 06/18/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010180308 | XX |  | XX | XX | 6/XX/2025 | XX | NJ | ATR/QM Exempt | Loan Review Complete | 06/16/2025 | Resolved | 9386155338 | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for Property Located at: XX | 20250618: insurance | 06/18/2025 | 20250618: Received trailing doc | 06/18/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010182692 | XX |  | XX | XX | 6/XX/2025 | XX | RI | ATR/QM Exempt | Loan Review Complete | 06/19/2025 | Resolved | 9413896478 | Credit | Background Check Missing or Defective | Missing Background Report For:XX | 20250623: fraud | 06/23/2025 | 20250623: Received trailing docs | 06/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010182692 | XX |  | XX | XX | 6/XX/2025 | XX | RI | ATR/QM Exempt | Loan Review Complete | 06/19/2025 | Resolved | 9413975645 | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for Property Located at: XX | 20250623: insurance | 06/23/2025 | 20250623: Received trailing docs | 06/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010184459 | XX |  | XX | XX | 6/XX/2025 | XX | CA | ATR/QM Exempt | Loan Review Complete | 06/19/2025 | Resolved | 9414011746 | Credit | Background Check Missing or Defective | Missing Background Report For Both Borrowers: XX | 20250623: fraud | 06/23/2025 | 20250623: Received trailing docs | 06/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010184556 | XX |  | XX | XX | 6/XX/2025 | XX | CA | ATR/QM Exempt | Loan Review Complete | 06/19/2025 | Resolved | 9414035995 | Credit | Background Check Missing or Defective | Missing Background Report For Both Borrowers: XX | 20250623: fraud | 06/23/2025 | 20250624: Received trailing docs | 06/24/2025 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 92010184556 | XX |  | XX | XX | 6/XX/2025 | XX | CA | ATR/QM Exempt | Loan Review Complete | 06/19/2025 | Acknolwedged | 9414107845 | Property | Ineligible Project – Litigation | Exception request: As per appraisal current owner is developer and owns all 4 units all the 4 loans with us 4 are tenant occupied. There is no pending litigation. | 20250619: Exception approved in file | 06/19/2025 | 20250619: Exception approval received | 06/19/2025 | FICO above the minimum by 20 points or higher, 6 months reserves greater than program requirements D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 92010184459 | XX |  | XX | XX | 6/XX/2025 | XX | CA | ATR/QM Exempt | Loan Review Complete | 06/19/2025 | Resolved | 9414275875 | Property | Appraisal Missing or Defective | Missing Appraisal for subject property: XX | 20250623: appraisal | 06/23/2025 | 20250623: Received trailing docs | 06/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010184556 | XX |  | XX | XX | 6/XX/2025 | XX | CA | ATR/QM Exempt | Loan Review Complete | 06/19/2025 | Resolved | 9414281688 | Property | Appraisal Missing or Defective | Missing Appraisal for subject property :XX | 20250623: appraisal | 06/23/2025 | 20250624: Received trailing docs | 06/24/2025 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 92010184459 | XX |  | XX | XX | 6/XX/2025 | XX | CA | ATR/QM Exempt | Loan Review Complete | 06/19/2025 | Resolved | 9414304951 | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for Property Located at:XX | 20250623: insurance | 06/23/2025 | 20250623: Received trailing docs | 06/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010185400 | XX |  | XX | XX | 6/XX/2025 | XX | CA | ATR/QM Exempt | Loan Review Complete | 06/19/2025 | Resolved | 9414634427 | Property | Subject Property Lease - Missing or Defective | Missing Executed Lease for subject property located at:XX | 20250623: LEASE | 06/23/2025 | 20250623: Received trailing docs | 06/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010185220 | XX |  | XX | XX | 6/XX/2025 | XX | TX | ATR/QM Exempt | Loan Review Complete | 06/20/2025 | Resolved | 9421446815 | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for Property Located at: XX | 20250623: INSURANCE | 06/23/2025 | 20250623: Received trailing docs | 06/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010182596 | XX |  | XX | XX | 6/XX/2025 | XX | PA | ATR/QM Exempt | Loan Review Complete | 06/23/2025 | Resolved | 9436313990 | Credit | Background Check Missing or Defective | Missing Background Report For: XX | 20250625: FRAUD | 06/25/2025 | 20250626: Received trailing docs | 06/26/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010182596 | XX |  | XX | XX | 6/XX/2025 | XX | PA | ATR/QM Exempt | Loan Review Complete | 06/23/2025 | Resolved | 9436407317 | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for Property Located at:XX | 20250625: INSURANCE | 06/25/2025 | 20250626: Received trailing docs | 06/26/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010183111 | XX |  | XX | XX | 6/XX/2025 | XX | TX | ATR/QM Exempt | Loan Review Complete | 07/02/2025 | Resolved | 9504705218 | Credit | Background Check Missing or Defective | Missing Background Report for: XX | 20250703: Uploaded Fraud | 07/03/2025 | 20250703: Received BG | 07/03/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010183111 | XX |  | XX | XX | 6/XX/2025 | XX | TX | ATR/QM Exempt | Loan Review Complete | 07/02/2025 | Resolved | 9504708268 | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for subject property located at: XX | 20250703: Insurance | 07/03/2025 | 20250703: Received Insurance | 07/03/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010184330 | XX |  | XX | XX | 6/XX/2025 | XX | NJ | ATR/QM Exempt | Loan Review Complete | 07/02/2025 | Resolved | 9505149745 | Credit | Entity Documentation - Missing or Defective | Missing Articles of Organization for Entity: XX | 7.3.25: Articles | 07/03/2025 | 20250703: Received Articles | 07/03/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010184330 | XX |  | XX | XX | 6/XX/2025 | XX | NJ | ATR/QM Exempt | Loan Review Complete | 07/02/2025 | Resolved | 9505151090 | Credit | Background Check Missing or Defective | Missing Background Report for: XX | 7.3.25: Fraud | 07/03/2025 | 20250703: Received BG | 07/03/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010184330 | XX |  | XX | XX | 6/XX/2025 | XX | NJ | ATR/QM Exempt | Loan Review Complete | 07/02/2025 | Resolved | 9505179957 | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for subject property located at: XX | 7.3.25: Insurance | 07/03/2025 | 20250703: Received Insurance | 07/03/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010184330 | XX |  | XX | XX | 6/XX/2025 | XX | NJ | ATR/QM Exempt | Loan Review Complete | 07/02/2025 | Resolved | 9505735087 | Credit | Title Insurance Missing or Defective | Title lists two Unpaid Municipal Liens: In the amount of $1,568.33 and in the amount of $2,168.00. Please provide documentation confirming payoff | 7.3.25: LOE | 07/03/2025 | 20250703: Received title LOE | 07/03/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010185858 | XX |  | XX | XX | 6/XX/2025 | XX | CO | ATR/QM Exempt | Loan Review Complete | 07/02/2025 | Resolved | 9505756667 | Credit | Background Check Missing or Defective | Missing Background Report for: XX | 20250703: Uploaded Fraud | 07/03/2025 | 20250703: Received Fraud | 07/03/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010185858 | XX |  | XX | XX | 6/XX/2025 | XX | CO | ATR/QM Exempt | Loan Review Complete | 07/02/2025 | Resolved | 9505757831 | Property | Appraisal Missing or Defective | Missing Appraisal for subject property: XX | 20250703: Uploaded Appraisal | 07/03/2025 | 20250703: Received Appraisal | 07/03/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 92010185858 | XX |  | XX | XX | 6/XX/2025 | XX | CO | ATR/QM Exempt | Loan Review Complete | 07/02/2025 | Resolved | 9505759479 | Property | Appraisal Review - Missing | Missing Appraisal Review for subject property: XX | 20250703: Uploaded with Appraisal | 07/03/2025 | 20250703: Received appraisal review | 07/03/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **ALT Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 92400187377 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR | XX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | XX | XX | .0208 | 06-XX-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92400186695 | XX |  |  | 06-XX-2025 | XX |  | 0 | XX | 06-XX-2025 | 1004 URAR | XX | 74.29 | 74.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 92400186495 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR | XX | 69.57 | 69.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 92400185900 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR | XX | 90.0 | 90.0 | XX | XX | .0360 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | .0360 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 92400185544 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1025 Small Residential Income Report | XX | 80.0 | 80.0 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92400185539 | XX |  |  | 06-XX-2025 | XX |  | 0 | XX | 04-XX-2025 | 1004 URAR | XX | 70.0 | 70.0 |  |  |  |  |  |  |  |  | XX | XX | .2422 | 04-XX-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 92400184557 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1025 Small Residential Income Report | XX | 80.0 | 80.0 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Moderate Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92400184048 | XX |  |  | 05-XX-2025 | XX | XX | 0 | XX | 02-XX-2025 | 1004 URAR | XX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 92400183096 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 04-XX-2025 | 1004 URAR | XX | 75.0 | 75.0 |  |  |  |  | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92400181898 | XX |  |  | 06-XX-2025 | XX |  | 0 | XX | 05-XX-2025 | 1004 URAR | XX | 60.0 | 60.0 |  |  |  |  |  |  |  |  | XX | XX | -.0196 | 5/XX/2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92300186681 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR | XX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 92300186602 | XX |  |  | 04-XX-2025 | XX | XX | 0 | XX | 04-XX-2025 | 1004 URAR | XX | 80.0 | 80.0 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92300186531 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 03-XX-2025 | 1004 URAR | XX | 65.0 | 65.0 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92300186504 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR | XX | 80.0 | 80.0 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 92300186451 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR | XX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 92300186421 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR | XX | 80.0 | 80.0 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 92300186258 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR | XX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 92300186037 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR | XX | 85.0 | 85.0 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Moderate Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 92300185426 | XX |  |  | 05-XX-2025 | XX |  | 0 | XX | 04-XX-2025 | 1004 URAR | XX | 70.0 | 70.0 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Moderate | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 92300185381 | XX |  |  | 05-XX-2025 | XX |  | 0 | XX | 05-XX-2025 | 1004 URAR | XX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 92300180144 | XX |  |  | 04-XX-2025 | XX |  | 0 | XX | 03-XX-2025 | 1004 URAR | XX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 92010186311 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR | XX | 55.1 | 55.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 92010185590 | XX |  |  | 06-XX-2025 | XX |  | 0 | XX | 05-XX-2025 | 1004 URAR | XX | 80.0 | 80.0 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92010185506 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR | XX | 80.0 | 80.0 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92010185304 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR | XX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 92010184621 | XX |  |  | 06-XX-2025 | XX |  | 0 | XX | 05-XX-2025 | 1025 Small Residential Income Report | XX | 45.18 | 45.18 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92010184256 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR | XX | 80.0 | 80.0 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Moderate Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 92010182683 | XX |  |  | 07-XX-2025 | XX |  | 0 | XX | 05-XX-2025 | 1004 URAR | XX | 75.0 | 75.0 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92010180428 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1025 Small Residential Income Report | XX | 80.0 | 80.0 | XX | XX | .0011 | Desk Review |  |  |  |  | XX | XX | .0011 | 03-XX-2025 | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | XX | XX | .0011 | XX | Low | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92300185715 | XX | XX |  | 05-XX-2025 | XX | XX | 0 | XX | 04-XX-2025 | 1004 URAR | XX | 90.0 | 90.0 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 92300185742 | XX | XX |  | 05-XX-2025 | XX | XX | 0 | XX | 04-XX-2025 | 1004 URAR | XX | 90.0 | 90.0 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 92300185778 | XX | XX |  | 05-XX-2025 | XX | XX | 0 | XX | 04-XX-2025 | 1004 URAR | XX | 80.0 | 80.0 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 92300185724 | XX | XX |  | 05-XX-2025 | XX | XX | 0 | XX | 04-XX-2025 | 1004 URAR | XX | 90.0 | 90.0 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 92300185790 | XX | XX |  | 05-XX-2025 | XX | XX | 0 | XX | 03-XX-2025 | 1004 URAR | XX | 80.0 | 80.0 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 92300185726 | XX | XX |  | 05-XX-2025 | XX | XX | 0 | XX | 04-XX-2025 | 1004 URAR | XX | 90.0 | 90.0 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 92300185787 | XX | XX |  | 05-XX-2025 | XX | XX | 0 | XX | 04-XX-2025 | 1004 URAR | XX | 80.0 | 80.0 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 400077001 | XX | XX |  | 06-XX-2024 | XX | XX | 0 | XX | 05-XX-2024 | 1004 URAR | XX | 80.0 | 80.0 |  |  |  |  | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Reasonable | 05-XX-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92300185815 | XX | XX |  | 05-XX-2025 | XX | XX | 0 | XX | 03-XX-2025 | 1004 URAR | XX | 80.0 | 80.0 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 92300187774 | XX | XX |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1073 Individual Condo Report | XX | 80.0 | 80.0 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 92300187762 | XX | XX |  | 06-XX-2025 | XX |  | 0 | XX | 04-XX-2025 | 1004 URAR | XX | 61.42 | 61.42 | XX | 0 | .0000 | Desk Review |  |  |  |  | XX | XX | .0079 | 04-XX-2025 | 1004 URAR |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low | 06-XX-2025 | XX | 0.78 | 06-XX-2025 | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 92300187796 | XX | XX |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR | XX | 90.0 | 90.0 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 92400186338 | XX |  |  | 6/XX/2025 | XX |  | 0 | XX | 5/XX/2025 | 1025 | XX | 69.9 | 69.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 6/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92400186057 | XX |  |  | 6/XX/2025 | XX |  | 0 | XX | 5/XX/2025 | 1025 | XX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -0.02 | XX | Moderate Risk | 5/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92400184206 | XX |  |  | 6/XX/2025 | XX |  | 0 | XX | 5/XX/2025 | 1025 | XX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 6/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92400183934 | XX |  |  | 6/XX/2025 | XX | XX | 0 | XX | 5/XX/2025 | 1004 | XX | 79.3 | 79.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 5/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92010184064 | XX |  |  | 7/XX/2025 | XX | XX | 0 | XX | 5/XX/2025 | 1025 | XX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 5/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92400186690 | XX |  |  | 6/XX/2025 | XX |  | 0 | XX | 6/XX/2025 | 1004 | XX | 41.7 | 41.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 6/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 999 |  |
| 92010186834 | XX |  |  | 7/XX/2025 | XX | XX | 0 | XX | 6/XX/2025 | 1004 | XX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 92010186087 | XX |  |  | 7/XX/2025 | XX |  | 0 | XX | 3/XX/2025 | 1025 | XX | 63.2 | 63.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 6/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92010186409 | XX |  |  | 7/XX/2025 | XX |  | 0 | XX | 6/XX/2025 | 1025 | XX | 18.8 | 18.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 6/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  |  |  | Not Eligible |  |  |
| 92010186465 | XX |  |  | 7/XX/2025 | XX |  | 0 | XX | 6/XX/2025 | 1004 | XX | 73.1 | 73.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 92010186613 | XX |  |  | 7/XX/2025 | XX |  | 0 | XX | 6/XX/2025 | 1004 | XX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  |  |  | Eligible | 1 |  |
| 92010187494 | XX |  |  | 7/XX/2025 | XX | XX | 0 | XX | 6/XX/2025 | 1025 | XX | 84.8 | 84.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 6/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92010187950 | XX |  |  | 7/XX/2025 | XX |  | 0 | XX | 7/XX/2025 | 1025 | XX | 36.9 | 36.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 7/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92400185965 | XX |  |  | 5/XX/2025 | XX | XX | 0 | XX | 5/XX/2025 | 1004 | XX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 5/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92300186511 | XX |  |  | 6/XX/2025 | XX | XX | 0 | XX | 5/XX/2025 | 1004 | XX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 92400185307 | XX |  |  | 6/XX/2025 | XX | XX | 0 | XX | 5/XX/2025 | 1004 | XX | 50.4 | 50.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 92300186645 | XX |  |  | 6/XX/2025 | XX | XX | 0 | XX | 5/XX/2025 | 1004 | XX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 92010184994 | XX |  |  | 6/XX/2025 | XX | XX | 0 | XX | 5/XX/2025 | 1004 | XX | 72.9 | 72.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 92010180308 | XX |  |  | 6/XX/2025 | XX |  | 0 | XX | 3/XX/2025 | 1025 | XX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 5/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92010182692 | XX |  |  | 6/XX/2025 | XX |  | 0 | XX | 4/XX/2025 | 1004 | XX | 67.4 | 67.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 92010184459 | XX |  |  | 6/XX/2025 | XX |  | 0 | XX | 3/XX/2025 | 1004 | XX | 60.4 | 60.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 5/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92010184556 | XX |  |  | 6/XX/2025 | XX |  | 0 | XX | 3/XX/2025 | 1073 | XX | 60.8 | 60.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 5/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92010185400 | XX |  |  | 6/XX/2025 | XX |  | 0 | XX | 5/XX/2025 | 1004 | XX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 92010185220 | XX |  |  | 6/XX/2025 | XX | XX | 0 | XX | 5/XX/2025 | 1004 | XX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 92010182596 | XX |  |  | 6/XX/2025 | XX | XX | 0 | XX | 5/XX/2025 | 1025 | XX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 6/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92010183111 | XX |  |  | 6/XX/2025 | XX |  | 0 | XX | 6/XX/2025 | 1004 | XX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 6/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 92010184330 | XX |  |  | 6/XX/2025 | XX |  | 0 | XX | 5/XX/2025 | 1025 | XX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -0.07 | XX | High Risk | 5/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 92010185858 | XX |  |  | 6/XX/2025 | XX |  | 0 | XX | 6/XX/2025 | 1004 | XX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 4**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **ALT Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 92400187377 | XX |  | MIN No | XXX | XXX | Per the Security Instrument |
| 92400187377 | XX |  | Application Date | XX | XX | Initial 1003 |
| 92400187377 | XX |  | Qualifying Total Reserves Number of Months | 32.24 | 36.67 | Per the asset statements |
| 92400187377 | XX |  | Qualifying All Borrower Residual Income | 227114.44 | 295500.72 | Income and liabilities |
| 92400186695 | XX |  | ULI | XXX | XXX | Per final 1003 |
| 92400186695 | XX |  | Qualifying Total Reserves Number of Months | 8.75 | 8.07 | Per CD |
| 92400186695 | XX |  | Qualifying All Borrower Residual Income | 10599.04 | 11734.04 | Per monthly income less all debts |
| 92400186495 | XX |  | ULI | XXX | XXX | 1003 |
| 92400186495 | XX |  | MIN No | XXX | XXX | Security Instrument |
| 92400186495 | XX |  | Property Value | XX | XX | Appraisal |
| 92400186495 | XX |  | Qualifying Total Reserves Number of Months | 9.9 | -37.43 | Assets |
| 92400186495 | XX |  | Qualifying All Borrower Residual Income | 6022.59 | 7782.58 | Income and liabilities |
| 92400185900 | XX |  | Property Value | XX | XX | From the 1008 |
| 92400185900 | XX |  | Application Date | XX | XX | Initial 1003 |
| 92400185900 | XX |  | Qualifying Total Reserves Number of Months | 179.36 | 108.32 | Assets |
| 92400185900 | XX |  | Qualifying All Borrower Residual Income | 1148700.6 | 1161598.60 | Income and liabilities |
| 92400185544 | XX |  | Qualifying Total Reserves Number of Months | 26.59 | 53.58 | Assets |
| 92400185539 | XX |  | Qualifying Total Reserves Number of Months | 29.73 | 29.07 | 12 months reserves are required per NQMF Guidelines. |
| 92400185539 | XX |  | Qualifying All Borrower Residual Income | 71566.49 | 73599.43 | No residual income is required when DTI<43% and not a HPML loan. |
| 92400184557 | XX |  | MIN No | XXX | XXX | Security Instrument |
| 92400184557 | XX |  | Application Date | XX | XX | Initial 1003 |
| 92400184557 | XX |  | ULI | XXX | XXX | Final 1003 |
| 92400184557 | XX |  | Property Value | XX | XX | Appraisal |
| 92400184557 | XX |  | Qualifying Total Reserves Number of Months | 6.98 | 7.44 | Assets |
| 92400184557 | XX |  | Qualifying All Borrower Residual Income | 6516.17 | 6608.04 | Income and liabilities |
| 92400184048 | XX |  | Property Value | XX | XX | Confirmed with Appraisal Report. |
| 92400184048 | XX |  | ULI | XXX | XXX | Confirmed with Final 1003. |
| 92400184048 | XX |  | Application Date | XX | XX | Confirmed with Initial 1003. |
| 92400184048 | XX |  | Qualifying Total Reserves Number of Months | 6.89 | 6.71 | Confirmed with bank statements provided. |
| 92400184048 | XX |  | Qualifying All Borrower Residual Income | 18134.86 | 18851.83 | Confirmed with bank statements provided for income verification and Credit Report. |
| 92400183096 | XX |  | First Payment Date | XX | XX | Per Note. |
| 92400183096 | XX |  | ULI | XXX | XXX | ULI is correct per Final XXX page XXX. |
| 92400183096 | XX |  | MIN No | XXX | XXX | Per Note. |
| 92400183096 | XX |  | Maturity Date | XX | XX | Per Note. |
| 92400183096 | XX |  | Property Value | XX | XX | Per appraisal. |
| 92400183096 | XX |  | Qualifying Total Reserves Number of Months | 10.02 | 6.97 | 6 months assets are required per NQMF guidelines. |
| 92400183096 | XX |  | Calculated DSCR | 0 | 0.99 | This is not a DSCR Loan. Subject property is a Primary residence. |
| 92400183096 | XX |  | Qualifying All Borrower Residual Income | 15862.82 | 11828.06 | No residual income required when DTI<43% or not a HPML loan. |
| 92400181898 | XX |  | First Payment Date | XX | XX | Per Note |
| 92400181898 | XX |  | Maturity Date | XX | XX | Per Note |
| 92400181898 | XX |  | MIN No | XXX | XXX | Per Mortgage |
| 92400181898 | XX |  | Property Value | XX | XX | Per only appraisal in file |
| 92400181898 | XX |  | Application Date | XX | XX | Per initial loan application |
| 92400181898 | XX |  | Qualifying Total Reserves Number of Months | 41.65 | 23.63 | Per bank statement |
| 92400181898 | XX |  | Qualifying All Borrower Residual Income | 1851168.74 | 1948288.98 | Per audist qualifying income and partially verified debt |
| 92300186681 | XX |  | MIN No | XXX | XXX | Verified to Mortgage |
| 92300186681 | XX |  | Property Value | XX | XX | Verified to appraised value vs purchase price |
| 92300186681 | XX |  | Property Type | Single Family Detached | Townhouse | Verified to appraisal (Det/End Unit) |
| 92300186681 | XX |  | Qualifying Total Reserves Number of Months | 111.79 | 0.00 | Verified to assets |
| 92300186681 | XX |  | Qualifying All Borrower Residual Income | 16294.84 | -859.70 | Based on verified income and total debts |
| 92300186602 | XX |  | Property Value | XX | XX | Confirmed with Appraisal Report. |
| 92300186602 | XX |  | Application Date | XX | XX | Confirmed with Initial 1003. |
| 92300186602 | XX |  | Verified Doc Type | 1YR Business P&L | Business P&L | Confirmed with Loan Approval. The file does not contain 2 months business bank statements. |
| 92300186602 | XX |  | Qualifying Total Reserves Number of Months | 10.85 | 0.00 | Confirmed with bank statements. |
| 92300186602 | XX |  | Qualifying All Borrower Residual Income | 21681.95 | 25688.09 | Confirmed with P&L statement and Credit Report. |
| 92300186531 | XX |  | MIN No | XXX | XXX | Security Instrument |
| 92300186531 | XX |  | Property Value | XX | XX | Appraisal |
| 92300186531 | XX |  | Qualifying Total Reserves Number of Months | 15.98 | 0.00 | Assets |
| 92300186531 | XX |  | Qualifying All Borrower Residual Income | 7103.02 | 9933.71 | Income and Liabilities |
| 92300186504 | XX |  | Property Value | XX | XX | Per the appraisal |
| 92300186504 | XX |  | Application Date | XX | XX | 1003 |
| 92300186504 | XX |  | Property Type | PUD | Condominium | Per the appraisal |
| 92300186504 | XX |  | Qualifying Total Reserves Number of Months | 180.05 | 0.00 | Per the assets |
| 92300186504 | XX |  | Qualifying All Borrower Residual Income | 6953.26 | -19651.16 | Income and liabilities |
| 92300186451 | XX |  | MIN No | XXX | XXX | Per Note |
| 92300186451 | XX |  | Property County | XX | XX | Per Mortgage |
| 92300186451 | XX |  | Verified Doc Type | 12 Month Bank Statement | 24 Month Bank Statement | Per income calculator |
| 92300186451 | XX |  | Qualifying Total Reserves Number of Months | 19.95 | 0.00 | Per assets |
| 92300186451 | XX |  | Qualifying All Borrower Residual Income | 5875.13 | 16717.26 | Per monthly income less all debts |
| 92300186421 | XX |  | MIN No | XXX | XXX | Confirmed with Deed of Trust. |
| 92300186421 | XX |  | Property Value | XX | XX | Confirmed with Appraisal Report. |
| 92300186421 | XX |  | Application Date | XX | XX | Per Initial 1003 |
| 92300186421 | XX |  | Verified Doc Type | Written Verification of Employment | Other | Confirmed with Loan Details. |
| 92300186421 | XX |  | Qualifying Total Reserves Number of Months | 10.97 | 0.00 | Confirmed with bank statements provided. |
| 92300186421 | XX |  | Qualifying All Borrower Residual Income | 3882.03 | 5136.31 | Confirmed with Income documentation and Credit Report. |
| 92300186258 | XX |  | MIN No | XXX | XXX | Verified to Mortgage |
| 92300186258 | XX |  | Property Value | XX | XX | Verified to appraised value vs purchase price |
| 92300186258 | XX |  | Qualifying Total Reserves Number of Months | 36.14 | 0.00 | Verified to assets |
| 92300186258 | XX |  | Qualifying All Borrower Residual Income | 16199.96 | 18510.60 | Based on verified income and total debts |
| 92300186037 | XX |  | Property Address | XX | XX | Verified to Note |
| 92300186037 | XX |  | Application Date | XX | XX | Verified to LO signature initial 1003 |
| 92300186037 | XX |  | Qualifying Total Reserves Number of Months | 36.25 | 0.00 | Verified to assets |
| 92300186037 | XX |  | Qualifying All Borrower Residual Income | 8773.23 | 10152.68 | Based on verified income and total debts |
| 92300185426 | XX |  | MIN No | XXX | XXX | Min number is correct. |
| 92300185426 | XX |  | Qualifying Total Reserves Number of Months | 27.33 | 0.00 | Cash back can be used for reserves on flex supreme. |
| 92300185426 | XX |  | Qualifying All Borrower Residual Income | 58082.12 | 63107.29 | Residual income is $58,082.12. |
| 92300185381 | XX |  | Application Date | XX | XX | Verified to LO signature initial 1003 |
| 92300185381 | XX |  | Qualifying Total Reserves Number of Months | 8.31 | 0.00 | Verified to assets |
| 92300185381 | XX |  | Qualifying All Borrower Residual Income | 6371.16 | 8973.21 | Based on verified income and total debts |
| 92300180144 | XX |  | Qualifying Total Reserves Number of Months | 22.03 | 0.00 | cash-out proceeds are used to cover the reserves |
| 92300180144 | XX |  | Qualifying All Borrower Residual Income | 6380.94 | 9893.16 | residual income is calculated by taking gross monthly income minus total monthly liabilities |
| 92010186311 | XX |  | Property Value | XX | XX | Per the appraisal |
| 92010186311 | XX |  | Qualifying Total Reserves Number of Months | 56.52 | 50.09 | Per the assets provided. |
| 92010186311 | XX |  | Qualifying All Borrower Residual Income | 142216.78 | 171844.46 | Income and liabilities |
| 92010185590 | XX |  | Qualifying Total Reserves Number of Months | 46.23 | 46.32 | verified 6 months reserves with the cash out on the CD. |
| 92010185590 | XX |  | Qualifying All Borrower Residual Income | 7669.32 | 8382.32 | Residual is not required - less than 43% DTI and not HPML |
| 92010185506 | XX |  | Property Value | XX | XX | Appraisal |
| 92010185506 | XX |  | Qualifying Total Reserves Number of Months | 5.7 | 3.45 | Assets provided |
| 92010185506 | XX |  | Qualifying All Borrower Residual Income | 18342.18 | 20264.78 | Income and liabilities |
| 92010185304 | XX |  | Property Value | XX | XX | The appraisal is missing from the file, per the 1008 it is $XX Purchase Price of $XX used to calculated LTV. |
| 92010185304 | XX |  | Qualifying Total Reserves Number of Months | 73.37 | 72.93 | No assets present in the file. |
| 92010185304 | XX |  | Qualifying All Borrower Residual Income | 3696.42 | 3767.40 | Income and liabilities |
| 92010184621 | XX |  | Note Date | XX | XX | Per Note. |
| 92010184621 | XX |  | Application Date | XX | XX | Per Initial 1003 page 39. |
| 92010184621 | XX |  | Qualifying Total Reserves Number of Months | 117.12 | 117.15 | 3 months reserves are required plus an additional 2 months for investment property. |
| 92010184621 | XX |  | Qualifying All Borrower Residual Income | 7489.3 | 9708.12 | No residual income required when DTI<43% or not a HPML loan. |
| 92010184256 | XX |  | Property Value | XX | XX | Verified with the appraisal |
| 92010184256 | XX |  | Qualifying Total Reserves Number of Months | 6.58 | 6.52 | Per the assets |
| 92010184256 | XX |  | Qualifying All Borrower Residual Income | 22123.5 | 26473.81 | Income and Liabilities |
| 92010182683 | XX |  | Qualifying Total Reserves Number of Months | 8.18 | 7.84 | Assets and cash out |
| 92010182683 | XX |  | Qualifying All Borrower Residual Income | 3708.78 | 2228.58 | calculated income and liabilities |
| 92010180428 | XX |  | Qualifying Total Reserves Number of Months | 6.61 | 6.46 | Missing assets in the amount of $212,536.76 per Final 1003 and Final 1008. |
| 92010180428 | XX |  | Qualifying All Borrower Residual Income | 10725.69 | 13293.50 | $3,100 residual income required per NQMF guidelines. Married and 4 dependents = $3,100 |
| 92300185715 | XX | XX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Per Loan Approval |
| 92300185715 | XX | XX | Qualifying Total Reserves Number of Months | 9.88 | 12.00 | Per income documentation and housing expense |
| 92300185715 | XX | XX | Total Qualified Assets Available | 219779.12 | 261479.22 | Per income documentation |
| 92300185715 | XX | XX | Total Liquid Assets Available For Close | 194402.23 | 219779.22 | Per income documentation, excluding IRA and CD |
| 92300185715 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Per Appraisal Receipt Disclosure |
| 92300185742 | XX | XX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Per loan approval |
| 92300185742 | XX | XX | Qualifying FICO | 800 | 737 | Per Primary Wage Earner |
| 92300185742 | XX | XX | Qualifying Total Reserves Number of Months | 16.62 | 16.00 | Rounding |
| 92300185742 | XX | XX | Total Qualified Assets Available | 104056.27 | 107956.27 | Per asset statements minus reserves |
| 92300185742 | XX | XX | Total Liquid Assets Available For Close | 67782.28 | 104056.27 | Per asset statements minus reserves |
| 92300185742 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Per desk review |
| 92300185778 | XX | XX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Per approval |
| 92300185778 | XX | XX | Cash Disbursement Date | 05-12-2025 | 05/14/2025 | Per CD |
| 92300185778 | XX | XX | Total Qualified Assets Available | 250014.03 | 868814.03 | Per asset docs |
| 92300185778 | XX | XX | Qualifying Total Reserves Number of Months | 7.46 | 13.00 | Per asset docs |
| 92300185778 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Per appraisal receipt |
| 92300185724 | XX | XX | Borrower 1 Citizen | Permanent Resident Alien | US Citizen | B1 provided permanent resident alien card. |
| 92300185724 | XX | XX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Coding. |
| 92300185724 | XX | XX | Total Liquid Assets Available For Close | 35719.74 | 46719.74 | Does not include the gift $11000. |
| 92300185724 | XX | XX | Qualifying Total Reserves Number of Months | 3.57 | 12.00 | Assets as documented in the loan file. |
| 92300185724 | XX | XX | Total Qualified Assets Available | 35719.74 | 15453.13 | Assets as documented in the loan file. |
| 92300185790 | XX | XX | Borrower 1 Total Years Employment/Self-Employment Verified | 24+ Months | 35 | Per loan approval |
| 92300185790 | XX | XX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Per loan approval |
| 92300185790 | XX | XX | Qualifying Total Reserves Number of Months | 16.41 | 13.00 | Per asset statements |
| 92300185790 | XX | XX | Total Liquid Assets Available For Close | 263859.49 | 263859.48 | Rounding |
| 92300185790 | XX | XX | Total Qualified Assets Available | 263859.49 | 1523859.48 | Per asset statements minus reserves |
| 92300185790 | XX | XX | Qualifying Total Monthly Liabilities | 16462.7 | 16458.51 | Per liabilities from credit report |
| 92300185726 | XX | XX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Per Loan Approval |
| 92300185726 | XX | XX | Qualifying FICO | 764 | 758 | Per credit file for primary wage earner |
| 92300185726 | XX | XX | Total Qualified Assets Available | 222754.53 | 1264280.53 | Per asset documentation |
| 92300185726 | XX | XX | Qualifying Total Reserves Number of Months | 25.67 | 30.00 | Per asset documentation and housing expense |
| 92300185726 | XX | XX | Total Liquid Assets Available For Close | 222754.53 | 262843.33 | Per asset documentation |
| 92300185726 | XX | XX | Qualifying Total Monthly Liabilities | 11931.06 | 12005.06 | Per liability documentation |
| 92300185726 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Per Appraisal Receipt disclosure |
| 92300185787 | XX | XX | Qualifying Total Reserves Number of Months | 19.58 | 18.00 | Reserves verified. |
| 92300185787 | XX | XX | Total Qualified Assets Available | 279126.96 | 286166.96 | Assets verified. |
| 92300185787 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Appraisal receipt date verified |
| 92300185815 | XX | XX | Originator Doc Type | Debt Service Coverage Ratio | Other | Per approval |
| 92300185815 | XX | XX | Total Qualified Assets Available | 99961.09 | 504651.09 | Per asset docs |
| 92300185815 | XX | XX | Total Liquid Assets Available For Close | 99961.09 | 99651.09 | Per asset docs |
| 92300185815 | XX | XX | Qualifying Total Reserves Number of Months | 7.1 | 13.00 | Per asset docs |
| 92300185815 | XX | XX | Qualifying Total Monthly Liabilities | 771 | 1808.46 | Per credit docs |
| 92300185815 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Per appraisal receipt |
| 92300187774 | XX | XX | Originator Doc Type | 1YR Full Doc | ALT DOC | Per loan approval |
| 92300187774 | XX | XX | Total Liquid Assets Available For Close | 256527.76 | 254795.50 | Per asset statements |
| 92300187774 | XX | XX | Qualifying Total Reserves Number of Months | 171.31 | 20.00 | Per asset statements |
| 92300187774 | XX | XX | Total Qualified Assets Available | 256527.76 | 446795.50 | Per asset statements minus reserves |
| 92300187774 | XX | XX | Qualifying Total Monthly Liabilities | 2126.46 | 1764.46 | Per liabilities from credit report and $362 difference in primary expenses |
| 92300187762 | XX | XX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Doc type selected from drop down. |
| 92300187762 | XX | XX | Borrower 1 Total Years Employment/Self-Employment Verified | 12-23 Months | Less than 12 Months | Years of employment verified. |
| 92300187762 | XX | XX | Cash out Include Debt Paid at Close | 770548.54 | 121818.46 | Cash out verified from final CD. |
| 92300187762 | XX | XX | Total Liquid Assets Available For Close | 3429020.46 | 3185647.29 | Liquid assets verified. |
| 92300187762 | XX | XX | Total Qualified Assets Available | 3429020.46 | 11436118.00 | Assets verified via asset docs. |
| 92300187762 | XX | XX | Qualifying Total Reserves Number of Months | 117.67 | 109.00 | Reserves verified. |
| 92300187762 | XX | XX | Qualifying Total Monthly Liabilities | 39280.36 | 39375.19 | Liabilities verified. |
| 92300187762 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Appraisal date verified. |
| 92300187796 | XX | XX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Per loan approval |
| 92300187796 | XX | XX | Total Qualified Assets Available | 40859.87 | 43859.87 | Per asset statements minus reserves |
| 92300187796 | XX | XX | Qualifying Total Reserves Number of Months | 3.78 | 12.00 | Per asset statements minus reserves |
| 92300187796 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Per desk review |
| 92400186338 | XX |  | Citizen Types | US Citizen | Non Permanent Resident Alien | 1008 and License reflect US Citizen |
| 92400186057 | XX |  | Qualifying Value | XX | XX | Taking the lower value of $XX from appraisal review |
| 92400186690 | XX |  | T & I Payment | $482.68 | $492.00 | $185.76 taxes + $198.00 HOA + $98.92 insurance = $482.68 TIA |
| 92010186087 | XX |  | Property Address | XX | XX | Appraisal reflects XXX |
| 92010186087 | XX |  | City | XX | XX | Appraisal Reflects XXX |
| 92010186409 | XX |  | DSCR | 2.40 | 2.00 | $4,250.00 gross rents / $1,769.34 PITIA = 2.40 DSCR |
| 92010186465 | XX |  | Interest Rate | 7.124% | 7.000% | Interest rate 7.124% per Note in file |
| 92010186465 | XX |  | Qualifying Value | XX | XX | Appraisal reflects $XX |
| 92010186465 | XX |  | DSCR | 1.10 | 1.00 | $2,220.00 gross rents / $2,017.33 PITIA = 1.10DSCR |
| 92010187494 | XX |  | DSCR | 1.04 | 1.01 | $3,245.00 gross rents / $3,116.34 PITIA = 1.04 SCR |
| 92010187950 | XX |  | T & I Payment | $1030.70 | $1076.00 | $800.66 taxes + $275.08 insurance = $1,030.70 TIA |
| 92300186645 | XX |  | Prepayment Penalty | 60 | 36 | Note reflects 60 |
| 92010184994 | XX |  | DSCR | 1.08 | 1 | Missing insurance |
| 92010184994 | XX |  | T & I Payment | $341.28 | $468.00 | Missing insurance |
| 92010184330 | XX |  | DSCR | 1.3 | 1.39 | Missing Insurance |
| 92010184330 | XX |  | T & I Payment | $594.53 | $479.00 | Missing Insurance |

---

## Exhibit 99.6

**Exhibit 99.6**

![](ex99-6_001.jpg)

NRMLT 2025-NQM5

Rithm Capital Corp.

Opus Capital Markets Consultants, LLC

300 Tri-State International – Suite 320 \| Lincolnshire, IL 60069 \| <u>www.opuscmc.com</u> \| 224.632.1300

**Executive Narrative**

**September 22, 2025**

**Performed by**

**Opus Capital Markets Consultants, LLC**

**For**

**Rithm Capital Corp.**

The report summarizes the results of a due diligence review performed on a pool of 124 loans provided by Rithm Capital Corp. ("Customer") who provided Opus Capital Markets Consultants, LLC ("Consultant") with a data tape, from which 100% of the loan sample was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit and compliance review of all loans.

As detailed herein, the pool contains sixty-two (62) Non-QM loans and sixty-two (62) ATR/Non-QM Exempt loans, of which fifty- two (52) are DSCR loans and ten (10) are Business Purpose loans. All loans were re-underwritten in accordance with the lender guidelines in terms of Exhibit A

<u>EXHIBIT A</u>

**Credit Review**

**Credit Qualification**

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

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

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

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

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

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

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

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

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

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

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

**Document Review**

**Document Review**

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

a) Collateral Docs

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

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

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

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

b) Closing Docs

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

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

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

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

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

c) Credit Docs

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

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

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

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

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

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

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

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

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

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

**Regulatory Compliance**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Additional Disclosures and Requirements:**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

&nbsp;&nbsp;&nbsp;&nbsp;· Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Colorado Consumer Equity Protection Act, Colo, Rev. Stat. § 5-3.5-101 et seq. .

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a- 746 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760 et seq. (as originally
enacted and as amended by Senate Bill 949).

&nbsp;&nbsp;&nbsp;&nbsp;· District of Columbia Home Loan Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented
by 20 D.C. Municipal Reg § 2000.1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 2014).

&nbsp;&nbsp;&nbsp;&nbsp;· Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill
02-1361 and as modified by Senate Bill 03-53).

&nbsp;&nbsp;&nbsp;&nbsp;· Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5
et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

&nbsp;&nbsp;&nbsp;&nbsp;· City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440;
2-32-455; 2-92-325; 4-4- 155; 8-4-325.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

&nbsp;&nbsp;&nbsp;&nbsp;· Indiana Home Loan Practices Act, as amended by HB 1179 (2005), Ind. Code §24-9-1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Kansas Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;· Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages
(for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative
Documents 1869 (2007), 2125 (2008) and 1439 (2009).

&nbsp;&nbsp;&nbsp;&nbsp;· Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September
27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender
Law, Md. Code Ann., Fin. In <u>sti</u> t. Code §§ 11-501 et seq.; Md. Code Regs. §§ 09.03.06.01
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts High- Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Pr <u>eda</u> tory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

&nbsp;&nbsp;&nbsp;&nbsp;· Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et seq. (S.F. 2988 (2002)),
as amended by House File 1004 (2007) and Senate File 988 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat § 45-702 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440
(2007), codified as NRS § 598D.010 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· New Jersey Home <u>Owne</u> rship Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat.
§ 58-21A-1 et seq. and as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and
as implemented by 3 NYCCR Part 41 as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

&nbsp;&nbsp;&nbsp;&nbsp;· North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24- 10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat.
§§ 24-9; 24-1.1(E)(a); 24-10.2(a), as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in
various sections of the Ohio Code.

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as imp <u>lemen</u> ted by Ohio
Admin. Rules § 109 4-3-01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, O <u>rdinan</u> ce No. 72-2003 (PSH),
Mun. Code §§ 757.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Summit County, Ohio, Anti-Predatory Lending Ordi <u>nance,</u> Ordinance No. 2004- 618, Muni. Code §§ 201.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of
Title 14A of the Oklahoma Consumer Credit Code.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Higher-Pr <u>ic</u> ed Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9- 1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergency Banking
Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33, Ordinance No. 245.

&nbsp;&nbsp;&nbsp;&nbsp;· South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(a)(6), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(f)(2), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61-2c-102 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Utah High-Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann.
§§ 6.1-413; 6.1-422; 6.1- 428.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after July 1, 2003 to September
30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code
Ann. §§ 6.2-1600 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

&nbsp;&nbsp;&nbsp;&nbsp;· Washington House Bill 2770, Mortgage Lending Ownership

&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Wyoming Credit Code

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)**

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans Exceptions

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is an extension of credit primarily for business, commercial or agricultural purposes

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is in a subordinate position to a senior lien secured by the same residential improved real estate
or mobile for which the borrower has obtained flood insurance

&nbsp;&nbsp;&nbsp;&nbsp;· Flood Insurance coverage for the residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;c. The premium for which is paid by the condominium associate, cooperative, homeowners association, or
other group as a common expense.

**Misrepresentation and Third-Party Review**

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

&nbsp;&nbsp;&nbsp;&nbsp;· Signatures: Validate signature consistency across documents. To the extent imaged or hard copy files
are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Alerts: Assess credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;· Social Security Numbers: Compare SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Document Integrity: Review for apparent alterations to loan documents. To the extent imaged or hard
copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Data Consistency: Review the documents contained in the loan file for consistency of data.

&nbsp;&nbsp;&nbsp;&nbsp;· Third Party Fraud Tools: To the extent a third party fraud tool is contained in the loan file, the
Consultant will ensure high level or critical warnings are reviewed and addressed.

**Independent Third-Party Values**

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is complete

&nbsp;&nbsp;&nbsp;&nbsp;· Value is based on as-is condition or provides satisfactory completion of all material conditions including
inspections, licenses, and certifications (including certificates of occupancy) to be made or issued with respect to all occupied portions
of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is described in average or better condition

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent appraiser independence violation statements

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal addresses any adverse comments

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal is completed on appropriate GSE Forms

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal contains required attachments.

&nbsp;&nbsp;&nbsp;&nbsp;· Appraiser was appropriately licensed at the time the appraisal was signed

If the valuation vendor des not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal.

Value Review Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;· The individuals performing the above procedures are not person providing valuations for the purpose
of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraiser under Federal or
State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding
that Opus may have reviewed the valuation information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or
other lending laws and regulations, and therefore Opus will not have and communications with or responsibility to any individual concerning
property valuations.

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent damage to the property

&nbsp;&nbsp;&nbsp;&nbsp;· Property appears to be occupied

**Data Compare**

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraised Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· FICO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Term

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· LTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Original Balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sales Price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Second Mortgage Lien Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Self Employed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zip Code

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· QM Status

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

**Moody's Investor Services Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the

application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

**Kroll Bond Rating Agency LLC Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

**S&P Global Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

**DBRS Morningstar Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria**

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

**Opus Credit Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator
underwriting guidelines without exception.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Credit Grade Definition: Loan was originated in substantial compliance with the originator's
underwriting guidelines and there are sufficient compensating factors for any exceptions.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Credit Grade Definition: Loan was not originated in substantial compliance with the originator's
underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation.

**Opus Property Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Property Grade Definition: Property value appears to be within 10% of original appraised amount
and there are no material deficiencies in the appraisal process.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Property Grade Definition: Property value appears to be within 10% of original appraised amount,
but minor issues in the appraisal process were identified.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Property Grade Definition: Property value does not appear to fall within 10% of the original
appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation.

**Opus Compliance Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed
under the applicable scope of work.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Compliance Grade Definition: There are minor issues regarding legal and/or regulatory compliance
but such issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result
in assignee liability to the investor.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Compliance Grade Definition: Loan is not in compliance with laws and regulations reviewed under
the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION**

&nbsp;&nbsp;&nbsp;&nbsp;· Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;· Co-Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;· SSNs

&nbsp;&nbsp;&nbsp;&nbsp;· Property Address, City, County, MSA, Zip

&nbsp;&nbsp;&nbsp;&nbsp;· Mailing Address

&nbsp;&nbsp;&nbsp;&nbsp;· Account Number, including Originator and Servicer Loan Number

&nbsp;&nbsp;&nbsp;&nbsp;· Origination Date

&nbsp;&nbsp;&nbsp;&nbsp;· Names of Borrowers or any other Individuals

&nbsp;&nbsp;&nbsp;&nbsp;· Company and Entity Names

&nbsp;&nbsp;&nbsp;&nbsp;· Financial Institution Names

&nbsp;&nbsp;&nbsp;&nbsp;· Job Position Titles

&nbsp;&nbsp;&nbsp;&nbsp;· Any Address

&nbsp;&nbsp;&nbsp;&nbsp;· Any Location Information (other than state), including City, County, MSA and Zip

&nbsp;&nbsp;&nbsp;&nbsp;· Account Numbers of any type

&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Claim Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Policy Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Foreclosure Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Bankruptcy Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Any reference that would allow the identification of the location of a property (e.g. neighborhood,
body of water, schools, major highways)

**DSCR Loan Review**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "<u>Underwriting Guidelines</u>") are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines will consist of the following:

**Borrower Underwriting:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting
Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Credit / Background Check:** Review and confirm each guarantor and/or
owner of the borrowing entity requirements meet Underwriting Guidelines, including OFAC.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property management questionnaire:** Review the questionnaire to confirm management experience
meets Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Borrowing Entity:** Confirm the entity is in good standing and duly
formed (if applicable documents are in the file). Verify the individual signing on behalf of the organization has the authority to bind
the entity (if applicable documents are in the file).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines
per Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property Requirements and Market Requirements:** Confirm the loan
Property and Market Requirements are eligible per the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation
of DSCR

**Title Insurance Requirements are met per Guidelines only as follows**

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property Insurance:** Confirm each mortgaged property has a policy
in place and proper coverage amount in adherence to the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Preliminary/Commitment Title:** Review and confirm first lien holder position, validate no loan
file discrepancies, delinquent taxes, and/or additional liens at
time of consummation.

**Credit Document Check**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness of both the initial and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Credit Report: Verify the presence of a credit report for each borrower.
Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s),
verify that that the file contains a verification of rent
or a verification of mortgage form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Letters of Explanation: When Letters of Explanation are required by the
Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify
the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation: Verify the presence of asset documentation required
by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party
valuation tools to satisfy the minimum required documentation under
the relative Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Proof of Insurance: Verify the presence of insurance certificates for
mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is
present to meet the requirements of the Client provided underwriting guidelines.

**Compliance**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No compliance testing for the DSCR review.

**<u>Pool Details</u>**

---

| | | |
|:---|:---|:---|
| **Loan Type** | **Loan Type** | **Loan Type** |
| Type | Count | % of Pool |
| Non-Conforming | 124 | 100.00% |
| Conforming-GSE Eligible | 0 | 0.00% |
| **Total** | **124** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Interest Rate** | **Interest Rate** | **Interest Rate** |
| Type | Count | % of Pool |
| 6.500 - 6.999 | 0 | 0.00% |
| 7.000 - 7.499 | 44 | 35.48% |
| 7.500 - 7.999 | 47 | 37.90% |
| 8.000 - 8.499 | 24 | 19.35% |
| 8.500 - 8.999 | 0 | 0.00% |
| 9.000 - 9.499 | 4 | 3.23% |
| 9.500 - 9.999 | 5 | 4.03% |
| 10.000 - 10.499 | 0 | 0.00% |
| 10.500 - 10.999 | 0 | 0.00% |
| **Total** | **124** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Purpose** | **Purpose** | **Purpose** |
| Type | Count | % of Pool |
| Cash out Refi | 23 | 18.55% |
| Purchase | 94 | 75.81% |
| Rate / Term Refi | 7 | 5.65% |
| **Total** | **124** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Product Type** | **Product Type** | **Product Type** |
| Type | Count | % of Pool |
| Fixed | 124 | 100.00% |
| ARM | 0 | 0.00% |
| **Total** | **124** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Occupancy** | **Occupancy** | **Occupancy** |
| Type | Count | % of Pool |
| Primary Residence | 53 | 42.74% |
| Second Home | 7 | 5.65% |
| Investment Property | 64 | 51.61% |
| **Total** | **124** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Property Type** | **Property Type** | **Property Type** |
| Type | Count | % of Pool |
| Single Family Detached | 60 | 48.39% |
| Co-op | 1 | 0.81% |
| Condo, Low Rise | 17 | 13.71% |
| Condo, High Rise | 2 | 1.61% |
| PUD | 13 | 10.48% |
| 1 Family Attached | 7 | 5.65% |
| 2 Family | 13 | 10.48% |
| 3 Family | 9 | 7.26% |
| 4 Family | 2 | 1.61% |
| **Total** | **124** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **DTI** | **DTI** | **DTI** |
| Type | Count | % of pool |
| 0.00-20.00 | 67 | 54.03% |
| 20.01-30.00 | 13 | 10.48% |
| 30.01-40.00 | 17 | 13.71% |
| 40.01-45.00 | 15 | 12.10% |
| 45.01-50.00 | 12 | 9.68% |
| **Total** | **124** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **QM Type** | **QM Type** | **QM Type** |
| Type | Count | % of Pool |
| Non-QM: Lender documented all ATR UW factors | 62 | 50.00% |
| QM/Agency Safe Harbor | 0 | 0.00% |
| QM/HPML | 0 | 0.00% |
| ATR/QM: Exempt | 62 | 50.00% |
| **Total** | **124** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **LTV** | **LTV** | **LTV** |
| Type | Count | % of Pool |
| 0.00-30.00 | 2 | 1.61% |
| 30.01-40.00 | 1 | 0.81% |
| 40.01-50.00 | 3 | 2.42% |
| 50.01-60.00 | 6 | 4.84% |
| 60.01-70.00 | 13 | 10.48% |
| 70.01-80.00 | 83 | 66.94% |
| 80.01-90.00 | 16 | 12.90% |
| **Total** | **124** | **100.00%** |

---

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| **Data Element** | **Count** | **Accuracy** |
| CLTV | 84 | 32.26% |
| Loan Amount | 1 | 99.19% |
| Loan Purpose | 64 | 48.39% |
| Loan Type | 55 | 55.65% |
| Note Date | 5 | 95.97% |
| Original P&I | 0 | 100.00% |
| Original Payment | 0 | 100.00% |
| Property Address | 17 | 86.29% |
| Property Type | 13 | 89.52% |
| **Total Loan Population** | **124** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were 5 obligors with multiple loans in the pool.

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| S&P | Moody's | Fitch | Kroll | DBRS | Definition |
| A | A | A | A | A | Loan conforms to all applicable guidelines, no conditions noted |
| <br> B | <br> B | <br> B | <br> B | <br> B | Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| <br> C | <br> C | <br> C | <br> C | <br> C | The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| D | D | D | D | D | The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| S&P | Moody's | Kroll | DBRS | Definition |
| <br> A | <br> A | <br> A | <br> A | The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| <br> B | <br> B | <br> B | <br> B | The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| <br> C | <br> C | <br> C | <br> C | The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| D | D | D | D | The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| Fitch | Definition |
| <br> A | The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| <br> B | The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| <br> C | The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| D | The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| Moody's | Definition |
| <br> A | Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete.<br> Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| B | Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| <br>C | Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| D | The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| S&P | Definition |
| <br> A | First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or<br> better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| <br> B | First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition,<br> property requires cosmetic or minor repairs that do not affect value or habitability |
| <br> C | Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal<br> and/or does not meet guidelines |
| D | The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated September 19, 2025.

**Overall Grade Summary** 

---

| | | |
|:---|:---|:---|
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | **% of**<br> **Loans** |
| A | 119 | 95.97% |
| B | 5 | 4.03% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**Compliance Grade Summary**

---

| | | |
|:---|:---|:---|
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | **% of**<br> **Loans** |
| A | 123 | 99.19% |
| B | 1 | 0.81% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**Credit Grade Summary**

---

| | | |
|:---|:---|:---|
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | **% of**<br> **Loans** |
| A | 120 | 96.77% |
| B | 4 | 3.23% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**Property Grade Summary**

---

| | | |
|:---|:---|:---|
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | **% of**<br> **Loans** |
| A | 124 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**Overall Grade Summary**

---

| | | |
|:---|:---|:---|
| **S&P NRSRO Grade** | **# of Loans** | **% of**<br> **Loans** |
| A | 110 | 88.71% |
| B | 14 | 11.29% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**Compliance Grade Summary**

---

| | | |
|:---|:---|:---|
| **S&P NRSRO Grade** | **# of Loans** | **% of**<br> **Loans** |
| A | 123 | 99.19% |
| B | 1 | 0.81% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**Credit Grade Summary**

---

| | | |
|:---|:---|:---|
| **S&P NRSRO Grade** | **# of Loans** | **% of**<br> **Loans** |
| A | 120 | 96.77% |
| B | 4 | 3.23% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**Property Grade Summary**

---

| | | |
|:---|:---|:---|
| **S&P NRSRO Grade** | **# of Loans** | **% of**<br> **Loans** |
| A | 114 | 91.94% |
| B | 10 | 8.06% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**<u>Loans Reviewed (124)</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| 9738032292 | 215232125 | 9772663218 | 9731613312 | 9762293554 |
| 9732621991 | 215260555 | 215255761 | 215285321 | 9748820827 |
| 215135773 | 215267600 | 9722088565 | 9742274435 | 9757589974 |
| 215148180 | 9705726488 | 9723797396 | 215150848 | 9786412982 |
| 214808388 | 9720070045 | 9737539610 | 9716619334 | 9759576243 |
| 9733151113 | 9722965101 | 9743238306 | 9723143906 | 215101601 |
| 9704448829 | 9746450684 | 9749621471 | 9769712333 | 9724918355 |
| 9721644640 | 9747031988 | 9752691197 | 9789903474 | 9785502072 |
| 9725667290 | 9753979906 | 9754236579 | 9719266398 | 215215146 |
| 9763122513 | 9783483754 | 9759416093 | 9724811337 | 9713888544 |
| 9764890514 | 9787671032 | 9761485946 | 9725056957 | 9719892383 |
| 9767935696 | 9793380230 | 9764870128 | 9727011356 | 9727458979 |
| 9769275034 | 9793987778 | 9772899200 | 9750061732 | 9727603087 |
| 9770862747 | 9797257574 | 215184425 | 9751166506 | 9728005308 |
| 9776954381 | 9718246979 | 9718337943 | 9757020145 | 9739281492 |
| 9780321163 | 9723830874 | 9755178804 | 9759423701 | 9740090387 |
| 9789119667 | 9730723963 | 9792288202 | 9761361360 | 9746503656 |
| 215072265 | 9742781181 | 9717078274 | 9775644942 | 9751398893 |
| 215136375 | 215225020 | 9791946537 | 9717215694 | 9757459251 |
| 9723848777 | 9735769979 | 9704437103 | 9776844582 | 9765226395 |
| 9738583781 | 9747783067 | 9718786370 | 9758499777 | 9773888012 |
| 9720759415 | 9766826243 | 215248758 | 9772270576 | 9784144546 |
| 9705217801 | 9746643049 | 215363458 | 9784336845 | 9786339615 |
| 9763444990 | 9753966176 | 9706265361 | 9716018081 | 9793562092 |
| 9723507449 | 9761129395 | 9707207370 | 9755647246 |  |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.6

**Exhibit 99.6 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 215150848 | XX |  |  | 05-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR |  | XX | XX | XX | 71.86 | 71.86 | XX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9735769979 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1025 Small Residential Income Report |  | XX | XX | XX | 85 | 85 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9738032292 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9747783067 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1025 Small Residential Income Report |  | XX | XX | XX | 85 | 85 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9766826243 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 75 | 75 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9732621991 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 70 | 70 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 215135773 | XX |  |  | 05-XX-2025 | XX | XX | 0 | XX | 03-XX-2025 | 1073 Individual Condo Report |  | XX | XX | XX | 77.92 | 77.92 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 03-XX-2025 |
| 215148180 | XX |  |  | 05-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-XX-2025 |  |  |  |
| 214808388 | XX |  |  | 05-XX-2025 | XX |  | 0 | XX | 03-XX-2025 | 1025 Small Residential Income Report |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Moderate Risk | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 215101601 | XX |  |  | 04-XX-2025 | XX | XX | 0 | XX | 04-XX-2025 | 1073 Individual Condo Report |  | XX | XX | XX | 84.99 | 84.99 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9733151113 | XX |  |  | 06-XX-2025 | XX |  | 0 | XX | 05-XX-2025 | 1004 URAR |  | XX | XX | XX | 26.47 | 26.47 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Moderate | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9704437103 | XX |  |  | 06-XX-2025 | XX |  | 0 | XX | 05-XX-2025 | 1004 URAR |  | XX | XX | XX | 76.1 | 76.1 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 9704448829 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 05-XX-2025 |
| 9705217801 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 71.19 | 71.19 | XX | XX | 0.093 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 0.093 | XX | MODERATE RISK | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 06-XX-2025 |
| 9721644640 | XX |  |  | 06-XX-2025 | XX |  | 0 | XX | 05-XX-2025 | 1004 URAR |  | XX | XX | XX | 52.08 | 52.08 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Moderate Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 9724918355 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Moderate Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 05-XX-2025 |
| 9725667290 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1025 Small Residential Income Report |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Moderate Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9746643049 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1025 Small Residential Income Report |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9753966176 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1025 Small Residential Income Report |  | XX | XX | XX | 85 | 85 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9761129395 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1025 Small Residential Income Report |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9763122513 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR |  | XX | XX | XX | 74.6 | 74.6 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 9763444990 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR |  | XX | XX | XX | 90 | 90 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Moderate Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 06-XX-2025 |
| 9764890514 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1073 Individual Condo Report |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9767935696 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR |  | XX | XX | XX | 75 | 75 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 06-XX-2025 |
| 9769275034 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR |  | XX | XX | XX | 90 | 90 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 05-XX-2025 |
| 9770862747 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 04-XX-2025 | 1073 Individual Condo Report |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9772663218 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9776954381 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1073 Individual Condo Report |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 05-XX-2025 |
| 9780321163 | XX |  |  | 06-XX-2025 | XX |  | 0 | XX | 05-XX-2025 | 1025 Small Residential Income Report |  | XX | XX | XX | 75 | 75 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Moderate Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9789119667 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-XX-2025 |
| 215072265 | XX |  |  | 06-XX-2025 | XX |  | 0 | XX | 04-XX-2025 | 1025 Small Residential Income Report |  | XX | XX | XX | 70.78 | 70.78 | XX | XX | -0.0584 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -0.0584 | XX | Moderate Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-XX-2025 |
| 215136375 | XX |  |  | 05-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR |  | XX | XX | XX | 68.63 | 68.63 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 05-XX-2025 |
| 9723507449 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR |  | XX | XX | XX | 50 | 50 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Moderate Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 9718786370 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 04-XX-2025 | 1073 Individual Condo Report |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 9723848777 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 04-XX-2025 | 1004 URAR |  | XX | XX | XX | 75 | 75 | XX | 0 | 0 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-XX-2025 | Eligible |  |  |
| 9738583781 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1073 Individual Condo Report |  | XX | XX | XX | 70 | 70 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9720759415 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1073 Individual Condo Report |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 215255761 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 215232125 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR |  | XX | XX | XX | 53.67 | 53.67 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-XX-2025 |
| 215260555 | XX |  |  | 06-XX-2025 | XX |  | 0 | XX | 05-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 215267600 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR |  | XX | XX | XX | 69.23 | 69.23 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 05-XX-2025 |
| 9705726488 | XX |  |  | 07-XX-2025 | XX |  | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 58.46 | 58.46 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 9720070045 | XX |  |  | 06-XX-2025 | XX |  | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 72.93 | 72.93 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 06-XX-2025 |
| 9722088565 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 04-XX-2025 | 1004 URAR |  | XX | XX | XX | 75 | 75 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9722965101 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1073 Individual Condo Report |  | XX | XX | XX | 80 | 80 | XX | XX | -0.0506 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -0.0506 | XX | Moderate Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-XX-2025 |
| 9723797396 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 75 | 75 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9737539610 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9743238306 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1025 Small Residential Income Report |  | XX | XX | XX | 85 | 85 | XX | XX | -0.0726 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -0.0726 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9746450684 | XX |  |  | 06-XX-2025 | XX |  | 0 | XX | 05-XX-2025 | 1004 URAR |  | XX | XX | XX | 71.09 | 71.09 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 9747031988 | XX |  |  | 06-XX-2025 | XX |  | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Moderate Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 06-XX-2025 |
| 9749621471 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 75 | 75 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9752691197 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1025 Small Residential Income Report |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9753979906 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 04-XX-2025 | 1004 URAR |  | XX | XX | XX | 75 | 75 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 05-XX-2025 |
| 9754236579 | XX |  |  | 06-XX-2025 | XX |  | 0 | XX | 06-XX-2025 | 1025 Small Residential Income Report |  | XX | XX | XX | 68.87 | 68.87 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9759416093 | XX |  |  | 06-XX-2025 | XX |  | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 66.67 | 66.67 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9761485946 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1073 Individual Condo Report |  | XX | XX | XX | 75 | 75 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9764870128 | XX |  |  | 07/XX/2025 | XX | XX | 0 | XX | 05-XX-2025 | 1025 Small Residential Income Report |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9772899200 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 75 | 75 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9776844582 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 75 | 75 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 9783483754 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1025 Small Residential Income Report |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9787671032 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 75 | 75 | XX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 06-XX-2028 |
| 9791946537 | XX |  |  | 06/XX/2025 | XX |  | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 75 | 75 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9793380230 | XX |  |  | 06-XX-2025 | XX |  | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 69.66 | 69.66 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Moderate Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 9793987778 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1073 Individual Condo Report |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-XX-2025 |
| 215184425 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1025 Small Residential Income Report |  | XX | XX | XX | 85 | 85 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9797257574 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 90 | 90 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | LOW RISK | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-XX-2025 |
| 9716619334 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1073 Individual Condo Report |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-XX-2025 |
| 9718246979 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 06-XX-2025 |
| 9718337943 | XX |  |  | 06-XX-2025 | XX |  | 0 | XX | 04-XX-2025 | 1004 URAR |  | XX | XX | XX | 75 | 75 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9723143906 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 73.91 | 73.91 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9723830874 | XX |  |  | 06-XX-2025 | XX |  | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 75 | 75 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 9730723963 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 04-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2025 | Eligible |  |  |
| 9742781181 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR |  | XX | XX | XX | 90 | 90 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Moderate Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 9755178804 | XX |  |  | 06-XX-2025 | XX |  | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 75 | 75 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Moderate Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9769712333 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 06-XX-2025 |
| 9789903474 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | XX | -0.0562 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -0.0562 | XX | Moderate Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 06-XX-2025 |
| 9792288202 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 215225020 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1073 Individual Condo Report |  | XX | XX | XX | 89.99 | 89.99 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9717078274 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1025 Small Residential Income Report |  | XX | XX | XX | 75 | 75 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9785502072 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 04-XX-2025 | 2090 Individual Coop Report |  | XX | XX | XX | 70 | 70 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Moderate Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 215248758 | XX |  |  | 06-XX-2025 | XX |  | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 70 | 70 | XX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 215363458 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR |  | XX | XX | XX | 85 | 85 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 215215146 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-XX-2025 |  | 2.4 | 06-XX-2025 |
| 9706265361 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 06-XX-2025 |
| 9707207370 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | LOW RISK | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | 06-XX-2025 |
| 9713888544 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 06-XX-2025 |
| 9719892383 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR |  | XX | XX | XX | 75 | 75 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-XX-2025 |
| 9727458979 | XX |  |  | 07-XX-2025 | XX |  | 0 | XX | 05-XX-2025 | 1073 Individual Condo Report |  | XX | XX | XX | 28.68 | 28.68 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-XX-2024 | Not Eligible |  |  |
| 9727603087 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1025 Small Residential Income Report |  | XX | XX | XX | 83.4 | 83.4 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9728005308 | XX |  |  | 07-XX-2025 | XX |  | 0 | XX | 03-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Moderate Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 06-XX-2025 |
| 9731613312 | XX |  |  | 07-XX-2025 | XX |  | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 68.86 | 68.86 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 9739281492 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Moderate Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 07-XX-2025 |
| 9740090387 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR |  | XX | XX | XX | 50.69 | 50.69 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 07-XX-2025 |
| 9746503656 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 42.86 | 42.86 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Moderate Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-XX-2025 | Eligible |  |  |
| 9751398893 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 70 | 70 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 06-XX-2025 |
| 9757459251 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 79.58 | 79.58 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 07-XX-2025 |
| 9765226395 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1025 Small Residential Income Report |  | XX | XX | XX | 78.95 | 78.95 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Moderate Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9773888012 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 90 | 90 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 06-XX-2025 |
| 9784144546 | XX |  |  | 07-XX-2025 | XX |  | 0 | XX | 06-XX-2025 | 1073 Individual Condo Report |  | XX | XX | XX | 31.25 | 31.25 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Moderate Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 06-XX-2025 |
| 9786339615 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Moderate | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-XX-2025 |
| 215285321 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1073 Individual Condo Report |  | XX | XX | XX | 75 | 75 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Moderate Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9793562092 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 | Eligible |  |  |
| 9742274435 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 9719266398 | XX |  |  | 07-XX-2025 | XX |  | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 63.33 | 63.33 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9724811337 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 85 | 85 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9725056957 | XX |  |  | 07-XX-2025 | XX |  | 0 | XX | 05-XX-2025 | 1004 URAR |  | XX | XX | XX | 49.66 | 49.66 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Moderate Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 9727011356 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 07-XX-2025 | 1073 Individual Condo Report |  | XX | XX | XX | 72.03 | 72.03 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9750061732 | XX |  |  | 07-XX-2025 | XX |  | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 61.09 | 61.09 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9751166506 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9757020145 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 04-XX-2025 | 1025 Small Residential Income Report |  | XX | XX | XX | 79.17 | 79.17 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9758499777 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1025 Small Residential Income Report |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9759423701 | XX |  |  | 05-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9761361360 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1025 Small Residential Income Report |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9772270576 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1025 Small Residential Income Report |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9775644942 | XX |  |  | 07-XX-2025 | XX |  | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 78.97 | 78.97 | XX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | Moderate Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9784336845 | XX |  |  | 07/XX/2025 | XX | XX | 0 | XX | 07-XX-2025 | 1073 Individual Condo Report |  | XX |  | XX | 75 | 75 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9716018081 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 75 | 75 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9717215694 | XX |  |  | 07-XX-2025 | XX |  | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 60 | 60 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9755647246 | XX |  |  | 07-XX-2025 | XX |  | 0 | XX | 06-XX-2025 | 1004 URAR |  | XX | XX | XX | 60 | 60 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9762293554 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR |  | XX | XX | XX | 75 | 75 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9748820827 | XX |  |  | 07/XX/2025 | XX | XX | 0 | XX | 06-XX-2025 | 1025 Small Residential Income Report |  | XX | XX | XX | 85 | 85 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9757589974 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR |  | XX | XX | XX | 80 | 80 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9786412982 | XX |  |  | 07-XX-2025 | XX | XX | 0 | XX | 07-XX-2025 | 1025 Small Residential Income Report |  | XX | XX | XX | 75 | 75 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9759576243 | XX |  |  | 07-XX-2025 | XX |  | 0 | XX | 07-XX-2025 | 1025 Small Residential Income Report |  | XX | XX | XX | 75 | 75 | XX | 0 | 0 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 0 | XX | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 2**

---

| | | | | |
|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 215135773 | XX |  |  | XX A B |
| 215148180 | XX |  |  | XX A |
| 214808388 | XX |  |  | XX A |
| 9733151113 | XX |  |  | XX D A |
| 9704448829 | XX |  |  | XX C A |
| 9721644640 | XX |  |  | XX A |
| 9763122513 | XX |  |  | XX D C A |
| 9764890514 | XX |  |  | XX A |
| 9767935696 | XX |  |  | XX A B |
| 9769275034 | XX |  |  | XX A B |
| 9770862747 | XX |  |  | XX A |
| 9776954381 | XX |  |  | XX A |
| 9789119667 | XX |  |  | XX D A |
| 215072265 | XX |  |  | XX A |
| 215136375 | XX |  |  | XX A |
| 9723848777 | XX |  |  | XX A |
| 9738583781 | XX |  |  | XX A |
| 9720759415 | XX |  |  | XX A |
| 9738032292 | XX |  |  | XX D A |
| 9732621991 | XX |  |  | XX D A B |
| 9725667290 | XX |  |  | XX D A |
| 9780321163 | XX |  |  | XX C A |
| 9704437103 | XX |  |  | XX A C |
| 9718786370 | XX |  |  | XX A D |
| 215248758 | XX |  |  | XX A |
| 215363458 | XX |  |  | XX A |
| 9706265361 | XX |  |  | XX A |
| 9707207370 | XX |  |  | XX B A |
| 9731613312 | XX |  |  | XX A |
| 215285321 | XX |  |  | XX A |
| 9742274435 | XX |  |  | XX A |
| 215150848 | XX |  |  | XX A |
| 9716619334 | XX |  |  | XX D A |
| 9723143906 | XX |  |  | XX D A |
| 9769712333 | XX |  |  | XX A C B |
| 9789903474 | XX |  |  | XX A |
| 9719266398 | XX |  |  | XX A |
| 9724811337 | XX |  |  | XX A |
| 9725056957 | XX |  |  | XX A |
| 9727011356 | XX |  |  | XX A |
| 9750061732 | XX |  |  | XX A |
| 9751166506 | XX |  |  | XX A |
| 9757020145 | XX |  |  | XX A |
| 9759423701 | XX |  |  | XX A |
| 9761361360 | XX |  |  | XX A |
| 9775644942 | XX |  |  | XX A |
| 9717215694 | XX |  |  | XX A |
| 215101601 | XX |  |  | XX D A |
| 9724918355 | XX |  |  | XX C A |
| 9785502072 | XX |  |  | XX D A |
| 215215146 | XX |  |  | XX A |
| 9713888544 | XX |  |  | XX A B |
| 9719892383 | XX |  |  | XX A |
| 9727458979 | XX |  |  | XX A C |
| 9727603087 | XX |  |  | XX A |
| 9728005308 | XX |  |  | XX D A B |
| 9739281492 | XX |  |  | XX A |
| 9740090387 | XX |  |  | XX A |
| 9746503656 | XX |  |  | XX C A |
| 9751398893 | XX |  |  | XX D A |
| 9757459251 | XX |  |  | XX A B |
| 9765226395 | XX |  |  | XX A |
| 9773888012 | XX |  |  | XX A |
| 9784144546 | XX |  |  | XX D C A B |
| 9786339615 | XX |  |  | XX D C A |
| 9793562092 | XX |  |  | XX C A |
| 9776844582 | XX |  |  | XX C A |
| 9758499777 | XX |  |  | XX A |
| 9772270576 | XX |  |  | XX D A |
| 9784336845 | XX |  |  | XX A |
| 9716018081 | XX |  |  | XX A |
| 9755647246 | XX |  |  | XX D A B |
| 9762293554 | XX |  |  | XX A |
| 9748820827 | XX |  |  | XX A |
| 9757589974 | XX |  |  | XX A |
| 9786412982 | XX |  |  | XX A |
| 9759576243 | XX |  |  | XX A |
| 9705217801 | XX |  |  | XX C A |
| 9763444990 | XX |  |  | XX C A B |
| 9723507449 | XX |  |  | XX A |
| 215232125 | XX |  |  | XX A |
| 215260555 | XX |  |  | XX A |
| 215267600 | XX |  |  | XX A B |
| 9705726488 | XX |  |  | XX A |
| 9720070045 | XX |  |  | XX A |
| 9722965101 | XX |  |  | XX A |
| 9746450684 | XX |  |  | XX D C A |
| 9747031988 | XX |  |  | XX A |
| 9753979906 | XX |  |  | XX A |
| 9783483754 | XX |  |  | XX A |
| 9787671032 | XX |  |  | XX A C |
| 9793380230 | XX |  |  | XX D A |
| 9793987778 | XX |  |  | XX A |
| 9797257574 | XX |  |  | XX A |
| 9718246979 | XX |  |  | XX A |
| 9723830874 | XX |  |  | XX D A |
| 9730723963 | XX |  |  | XX C A B |
| 9742781181 | XX |  |  | XX A |
| 215225020 | XX |  |  | XX A |
| 9735769979 | XX |  |  | XX A |
| 9747783067 | XX |  |  | XX A |
| 9766826243 | XX |  |  | XX A |
| 9746643049 | XX |  |  | XX A |
| 9753966176 | XX |  |  | XX A |
| 9761129395 | XX |  |  | XX A |
| 9772663218 | XX |  |  | XX A |
| 215255761 | XX |  |  | XX C A |
| 9722088565 | XX |  |  | XX A |
| 9723797396 | XX |  |  | XX A |
| 9737539610 | XX |  |  | XX A |
| 9743238306 | XX |  |  | XX A |
| 9749621471 | XX |  |  | XX A |
| 9752691197 | XX |  |  | XX D A |
| 9754236579 | XX |  |  | XX A |
| 9759416093 | XX |  |  | XX A |
| 9761485946 | XX |  |  | XX A |
| 9764870128 | XX |  |  | XX A |
| 9772899200 | XX |  |  | XX A |
| 9791946537 | XX |  |  | XX A |
| 215184425 | XX |  |  | XX A |
| 9718337943 | XX |  |  | XX C A |
| 9755178804 | XX |  |  | XX D A |
| 9792288202 | XX |  |  | XX A |
| 9717078274 | XX |  |  | XX A |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| 214808388 | XX |  |  | XX | XX | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 11072.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.8 | 1 | 1 | N/A | 170.21 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 215136375 | XX |  |  | XX | XX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2821.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 166.62 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9738583781 | XX |  |  | XX | XX | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4365.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 40.13 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9720759415 | XX |  |  | XX | XX | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2228.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.71 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9738032292 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1275 | Appraisal - 1007 |  |  |  |  | 1275 | Appraisal - 1007 | No | 79.83 | 1.25 | 1.253 | 1017.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19500 |  |  |  | 1275 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 102.89 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX |
| 9732621991 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 2150 | Appraisal - 1007 | 2158.33 | xx | 12 |  | 2158.33 | xx | Yes | 156.8 | 0.63 | 0.638 | 3384.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100000 |  |  |  | 2158.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 30.7 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9725667290 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 3465 | 3500 | Appraisal - 1007 |  | N/A |  |  | 3465 | Actual In Place Rent | No | 70.09 | 1.427 | 1.427 | 2428.7 | 1440 | 09-30-2025 | 12 | 1125 | 09-30-2025 | 12 | 900 | 09-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 66200 |  |  |  | 3465 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 42.46 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9780321163 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 7000 | 8000 | Appraisal - 1007 |  |  |  |  | 7000 | Actual In Place Rent | No | 91.73 | 1.09 | 1.09 | 6421.03 | 2200 | 01-31-2026 | 12 | 1600 | 11-30-2025 | 12 | 1600 | 11-30-2025 | 12 | 1600 | 11-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 43700 |  |  |  | 7000 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 64.75 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX |
| Dropped | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 5200 | Appraisal - 1007 |  | N/A |  |  | 5200 | Appraisal - 1007 | No | 130.24 | 0.768 | 0.768 | 6772.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 75000 |  |  |  | 5200 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 13.35 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| Dropped | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3950 | Appraisal - 1007 |  | N/A |  |  | 3950 | Appraisal - 1007 | No | 99.79 | 1 | 1.002 | 3941.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37400 |  |  |  | 3950 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 9.11 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| Dropped | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1724 | 1800 | Appraisal - 1007 |  | N/A |  |  | 1724 | Actual In Place Rent | No | 95.85 | 1.043 | 1.043 | 1652.49 | 1724 | 06-30-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21600 |  |  |  | 1724 |  |  |  |  |  |  | No | No | 5.1 | 1 | 1 | N/A | 31.81 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| Dropped | XX |  |  | XX | XX | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2762.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 24.46 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| Dropped | XX |  |  | XX | XX | Full Doc | Present |  |  |  | Appraisal - 1025 |  |  |  |  |  |  | No |  |  | 0 | 1150.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 11.29 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 215150848 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 2735 | Appraisal - 1007 |  |  |  |  | 2735 | Appraisal - 1007 | No | 99.93 | 1 | 1.001 | 2733.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45200 |  |  |  | 2735 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.53 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9719266398 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1725 | 2000 | Appraisal - 1007 |  | N/A |  |  | 1725 | Actual In Place Rent | No | 100.02 | 1 | 1 | 1725.34 | 1725 | 07-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12000 |  |  |  | 1725 |  |  |  |  |  |  | No | No | 10.8 | 1 | 1 | N/A | 26.08 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9724811337 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3700 | Appraisal - 1007 |  | N/A |  |  | 3700 | Appraisal - 1007 | No | 98.23 | 1.01 | 1.018 | 3634.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  | 3700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 15.97 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX |
| 9725056957 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3125 | Appraisal - 1007 |  |  |  |  | 3125 | Appraisal - 1007 | No | 94.6 | 0.71 | 1.057 | 2956.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37500 |  |  |  | 3125 |  |  |  |  |  |  |  | No | 1.2 | 1 | 1 | N/A | 36.67 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9727011356 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3800 | Appraisal - 1007 |  | N/A |  |  | 3800 | Appraisal - 1007 | No | 120.75 | 0.828 | 0.828 | 4588.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37500 |  |  |  | 3800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 18.15 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9750061732 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1725 | 2025 | Appraisal - 1007 |  | N/A |  |  | 1725 | Actual In Place Rent | No | 100.16 | 0.998 | 0.998 | 1727.74 | 1725 | 08-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1000 |  |  |  | 1725 |  |  |  |  |  |  | No | No | 8.7 | 1 | 1 | N/A | 28.4 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9751166506 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1915 | N/A | 3525 | xx | 12 |  | 3525 | xx | Yes | 61.31 | 2.61 | 1.631 | 2161.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 67700.04 |  |  |  | 3525 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 14.68 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9757020145 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2350 | 3400 | Appraisal - 1025 |  | N/A |  |  | 3400 | Appraisal - 1025 | No | 99.91 | 1.01 | 1.001 | 3396.88 | 820 | 04-01-2026 | 12 | 765 | 02-01-2026 | 12 | 765 | 04-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 408000 |  |  |  | 3400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 24.56 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9759423701 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1200 | Appraisal - 1007 |  |  |  |  | 1200 | Appraisal - 1007 | No | 81.24 | 1.231 | 1.231 | 974.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14820 |  |  |  | 1200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.44 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9761361360 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - Narrative |  |  |  |  | 2500 | Appraisal - Narrative | No | 45.41 | 2.16 | 2.202 | 1135.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 2500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.39 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX |
| 9775644942 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1850 | 1800 | Appraisal - Narrative |  |  |  |  | 1800 | Appraisal - Narrative | No | 81.72 | 1.23 | 1.224 | 1471.02 | 1850 | 06-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22200 |  |  |  | 1800 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 11.18 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX |
| 9717215694 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2066 | Appraisal - 1007 |  | N/A |  |  | 2066 | Appraisal - 1007 | No | 74.57 | 1.341 | 1.341 | 1540.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24792 |  |  |  | 2066 |  |  |  |  |  |  |  | No | 1.9 | 1 | 1 | N/A | 74.89 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9727603087 | XX |  |  | XX | XX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 9107.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 3.35 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9751398893 | XX |  |  | XX | XX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1927.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 102.93 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9776844582 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | N/A |  | N/A |  |  | 2358.33 | N/A | No | 86.86 | 1.15 | 1.151 | 2048.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24000 |  |  |  | 0 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 15.39 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9758499777 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 4400 | Appraisal - 1025 |  | N/A |  |  | 4400 | Appraisal - 1025 | No | 72.47 | 1.32 | 1.38 | 3188.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 39905.28 |  |  |  | 4400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9.96 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9772270576 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3600 | Appraisal - 1025 |  | N/A |  |  | 3600 | Appraisal - 1025 | No | 75.31 | 1.32 | 1.328 | 2711.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 46200 |  |  |  | 3600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.79 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9784336845 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 4925 | Appraisal - 1007 |  | N/A |  |  | 4925 | Appraisal - 1007 | No | 99.76 | 1 | 1.002 | 4913.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 58958.16 |  |  |  | 4925 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 22.24 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9716018081 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 2060 | Appraisal - 1007 |  |  |  |  | 2060 | Appraisal - 1007 | No | 144.25 | 0.67 | 0.693 | 2971.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36800 |  |  |  | 2060 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 89.8 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX |
| 9755647246 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1200 | 1425 | Appraisal - 1007 |  | N/A |  |  | 1200 | Actual In Place Rent | No | 84.74 | 1.09 | 1.18 | 1016.89 | 1200 | 07-11-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14400 |  |  |  | 1200 |  |  |  |  |  |  | No | No | 11.9 | 1 | 1 | N/A | 51.07 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9762293554 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1500 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1500 | Appraisal - 1007 | No | 90.34 | 1.107 | 1.107 | 1355.17 | 1500 | 06-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 1500 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 101.14 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9748820827 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1950 | Appraisal - 1025 |  | N/A |  |  | 1950 | Appraisal - 1025 | No | 74.1 | 1.34 | 1.35 | 1444.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 39900 |  | 0 |  | 1950 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.35 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9757589974 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1750 | Appraisal - 1007 |  | N/A |  |  | 1750 | Appraisal - 1007 | No | 70.31 | 1.42 | 1.422 | 1230.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10500 |  |  |  | 1750 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 101.4 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9786412982 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 4610 | 5650 | Appraisal - 1025 |  |  |  |  | 4610 | Actual In Place Rent | No | 193 | 0.63 | 0.518 | 8897.41 | 1900 | 07-25-2025 | 1 | 1295 | 07-25-2025 | 1 | 1415 | 07-25-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 61900 |  |  |  | 4610 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 12.7 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX |
| 9759576243 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 5150 | 5900 | Appraisal - 1025 |  | N/A |  |  | 5150 | Actual In Place Rent | No | 78.6 | 1.27 | 1.272 | 4048.08 | 0 | 07-30-2025 | 12 | 1500 | 07-30-2025 | 12 | 1850 | 11-14-2025 | 12 | 1800 | 08-15-2026 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 21500 |  |  |  | 5150 |  |  |  |  |  |  | No | No | 0.5 | 1 | 1 | N/A | 98.53 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9705726488 | XX |  |  | XX | XX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 6270 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40100 |  |  |  |  |  |  |  |  |  |  |  | No | 21.9 | 1 | 1 | N/A | 226.45 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9722965101 | XX |  |  | XX | XX | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 12816.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 190000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 27.54 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9735769979 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1500 | Appraisal - 1007 | No | 63.95 | 1.56 | 1.564 | 959.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20216 |  |  |  | 1500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 108.56 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9747783067 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1550 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1500 | Appraisal - 1007 | No | 69.94 | 1.43 | 1.43 | 1049.11 | 765 | 06-30-2025 | 12 | 785 | 05-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  |  |  | 1500 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 31.48 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9766826243 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 3000 | Appraisal - 1007 |  | N/A |  |  | 3000 | Appraisal - 1007 | No | 86.3 | 1.15 | 1.159 | 2588.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36260 |  |  |  | 3000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.38 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9746643049 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 800 | 1800 | Appraisal - 1007 |  | N/A |  |  | 1800 | Appraisal - 1007 | No | 67.52 | 1.481 | 1.481 | 1215.44 | 0 | 06-16-2025 | 1 | 800 | 10-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17500 |  |  |  | 1800 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 12.67 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9753966176 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3600 | Appraisal - 1007 |  | N/A |  |  | 3600 | Appraisal - 1007 | No | 96.64 | 1.035 | 1.035 | 3478.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 43200 |  |  |  | 3600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 29.98 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9761129395 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 4000 | Appraisal - 1025 |  | N/A |  |  | 4000 | Appraisal - 1025 | No | 95.46 | 1.03 | 1.048 | 3818.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 53260 |  |  |  | 4000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 28.08 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9772663218 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1800 | Appraisal - 1007 |  | N/A |  |  | 1800 | Appraisal - 1007 | No | 93.27 | 1.072 | 1.072 | 1678.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 42400 |  |  |  | 1800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 27.22 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 215255761 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1600 | Appraisal - 1007 |  | N/A |  |  | 1600 | Appraisal - 1007 | No | 99.94 | 1.001 | 1.001 | 1599.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26240 |  |  |  | 1600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.22 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9722088565 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 5000 | Appraisal - 1007 |  | N/A |  |  | 5000 | Appraisal - 1007 | No | 143.78 | 0.695 | 0.695 | 7189.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100840 |  |  |  | 5000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 80.12 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX |
| 9723797396 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 94.39 | 1.059 | 1.059 | 2076.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 33600 |  |  |  | 2200 |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 52.31 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9737539610 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3400 | Appraisal - 1007 |  | N/A |  |  | 3400 | Appraisal - 1007 | No | 90.86 | 1.1 | 1.101 | 3089.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37070.52 |  |  |  | 3400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 51.98 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX |
| 9743238306 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 8000 | Appraisal - 1007 |  | N/A |  |  | 8000 | Appraisal - 1007 | No | 97.95 | 1 | 1.021 | 7835.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45600 |  |  |  | 8000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 22.67 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9749621471 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Appraisal - 1007 |  | N/A |  |  | 2400 | Appraisal - 1007 | No | 99.49 | 1 | 1.005 | 2387.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 52000 |  |  |  | 2400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.37 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX |
| 9752691197 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1800 | Appraisal - 1025 |  | N/A |  |  | 1800 | Appraisal - 1025 | No | 92.99 | 1.07 | 1.075 | 1673.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20088 |  |  |  | 1800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 36.49 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX |
| 9754236579 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 3150 | 3200 | Appraisal - 1007 |  | N/A |  |  | 3150 | Actual In Place Rent | No | 71.92 | 1.36 | 1.39 | 2265.53 | 1550 | 01-11-2026 | 12 | 1600 | 08-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 90600 |  |  |  | 3150 |  |  |  |  |  |  | No | No | 2.8 | 1 | 1 | N/A | 10.2 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9759416093 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2330 | 2800 | Appraisal - 1007 |  | N/A |  |  | 2330 | Actual In Place Rent | No | 99.96 | 1 | 1 | 2328.98 | 2330 | 07-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37500 |  |  |  | 2330 |  |  |  |  |  |  | No | No | 3.2 | 1 | 1 | N/A | 112.88 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9761485946 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3050 | Appraisal - 1007 |  | N/A |  |  | 3050 | Appraisal - 1007 | No | 97.09 | 1.02 | 1.03 | 2961.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1000000 |  |  |  | 3050 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.21 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9764870128 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2570 | Appraisal - 1025 |  | N/A |  |  | 2570 | Appraisal - 1025 | No | 95.03 | 1.05 | 1.052 | 2442.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 42770 |  |  |  | 2570 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.57 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9772899200 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 94.72 | 1.056 | 1.056 | 2083.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 34000 |  |  |  | 2200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 51.98 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9791946537 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1600 | 1700 | Appraisal - 1007 |  | N/A |  |  | 1600 | Actual In Place Rent | No | 99.75 | 1 | 1.002 | 1596.02 | 1600 | 08-21-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 33300 |  |  |  | 1600 |  |  |  |  |  |  | No | No | 1.5 | 1 | 1 | N/A | 120.47 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX |
| 215184425 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 3700 | 3700 | Appraisal - 1025 |  | N/A |  |  | 3700 | Appraisal - 1025 | No | 88.03 | 1 | 1.136 | 3257.26 | 1300 | 03-31-2026 | 12 | 1200 | 03-31-2026 | 12 | 1200 | 03-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 73800 |  |  |  | 3700 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 9.04 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9718337943 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1500 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1500 | Actual In Place Rent | No | 91.88 | 1.088 | 1.088 | 1378.26 | 1500 | 02-28-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  |  |  | 1500 |  |  |  |  |  |  | No | No | 5.2 | 1 | 1 | N/A | 22.5 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9755178804 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2200 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1900 | Appraisal - 1007 | No | 84.89 | 1.178 | 1.178 | 1612.89 | 2200 | 09-28-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26300 |  |  |  | 1900 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 19.55 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9792288202 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2170 | Appraisal - 1007 |  | N/A |  |  | 2170 | Appraisal - 1007 | No | 98.44 | 1.016 | 1.016 | 2136.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26040 |  |  |  | 2170 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9.41 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 9717078274 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Appraisal - 1007 |  | N/A |  |  | 2400 | Appraisal - 1007 | No | 92.17 | 1.085 | 1.085 | 2212.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 39600 |  |  |  | 2400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 24.23 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| 215135773 | XX | XX |  |  | Closed | 2025-07-22 19:12 | 2025-07-22 19:12 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 9733151113 | XX | XX |  |  | Closed | 2025-06-26 18:50 | 2025-07-07 19:53 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Received 4506 signed at application. Condition cleared. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached 4506C dated 05-xx-25. - Buyer-07/XX/2025 <br>Open-GL Section 35, A signed and dated 4506-C for must be signed at application and closing, Loan file missing 4506-C at the time of application. - Due Diligence Vendor-06/XX/2025 |  | Resolved-Received 4506 signed at application. Condition cleared. - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 9704448829 | XX | XX |  |  | Closed | 2025-06-26 17:38 | 2025-07-11 17:53 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received HOI with effective date the same as the Note date. Condition cleared. - Due Diligence Vendor-07/XX/2025 <br>Resolved-Hazard Insurance Effective Date of 06-xx-2025 is prior to or equal to the Note Date of 06-xx-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached policy. - Buyer-07/XX/2025 <br>Open-Hazard Insurance Effective Date of 06-xx-2025 is after the Note Date of 06-xx-2025 The Hazard Insurance Effective Date of 06-xx-2025 is dated after the Note date and disbursement date of 06-xx-2025. - Due Diligence Vendor-06/XX/2025 |  | Resolved-Received HOI with effective date the same as the Note date. Condition cleared. - Due Diligence Vendor-07/XX/2025 <br>Resolved-Hazard Insurance Effective Date of 06-xx-2025 is prior to or equal to the Note Date of 06-xx-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | CO | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 9763122513 | XX | XX |  |  | Closed | 2025-06-26 16:39 | 2025-07-08 19:15 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. 4506 - Buyer-07/XX/2025 <br>Open-Borrower 1 Executed 4506-T Missing GL Section 35, A signed and dated 4506-C for must be signed at application and closing for Income being documented with Form 1099 statements, Loan file missing 4506-C at the time of application - Due Diligence Vendor-06/XX/2025 |  | Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | VA | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 9763122513 | XX | XX |  |  | Closed | 2025-06-27 19:06 | 2025-07-08 19:15 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-$15,000 was backed out of NXX because a close friend is an ineligible donor. Gift letter and copy of the check are only in the file to source the large deposit of $15,000. - Buyer-07/XX/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Unacceptable source of funds - gift funds from an unacceptable donor. - Due Diligence Vendor-06/XX/2025 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/XX/2025<br>|  |  |  | VA | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 9763122513 | XX | XX |  |  | Closed | 2025-06-27 19:16 | 2025-07-08 19:13 | Resolved | 1 - Information | Credit | Assets | Asset General | Resolved-Lender qualified without ineligible gift, finding resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-$15,000 was backed out of XX because a close friend is an ineligible donor. Gift letter and copy of the check are only in the file to source the large deposit of $15,000. - Investor-07/XX/2025 <br> Open-Borrower received $15,000.00 gift from a "close friend", which is not an acceptable source of funds per Guidelines. Per Guidelines, a gift can be provided by 1) a relative or 2) a non-relative that shares a familial relationship with the borrower defined as a domestic partner, individual engaged to the borrower, former relative or godparent. - Due Diligence Vendor-06/XX/2025 |  | Resolved-Lender qualified without ineligible gift, finding resolved. - Due Diligence Vendor-07/XX/2025<br>|  |  |  | VA | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 9767935696 | XX | XX |  |  | Closed | 2025-06-30 14:30 | 2025-07-11 18:11 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Please advise what can be provided for this one or if we just need acknowledge the B grade. - Buyer-07/XX/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 9769275034 | XX | XX |  |  | Closed | 2025-06-26 15:24 | 2025-06-30 14:52 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2025<br>|  |  |  | LA | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 9738032292 | XX | XX |  |  | Closed | 2025-06-26 17:32 | 2025-07-09 17:14 | Resolved | 1 - Information | Credit | Missing Doc | The Final 1003 is Missing | Resolved-Lender provided final loan application, finding resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached entity application and 1003. - Buyer-07/XX/2025 <br>Open- Final 1003 is Missing in File - Due Diligence Vendor-06/XX/2025 |  | Resolved-Lender provided final loan application, finding resolved. - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | AR | Investment | Purchase | NA | XX | N/A | N/A |
| 9738032292 | XX | XX |  |  | Closed | 2025-06-26 15:35 | 2025-07-09 17:12 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached showing no late payments for XX. - Buyer-07/XX/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Lender guidelines require verification of no less than 1x30x12 or 0x30x6 on any mortgage or rental payment. Despite this requirement, no Verification of Mortgage for either the subject property or the Borrower's primary residence was provided.<br> - Due Diligence Vendor-06/XX/2025 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-07/XX/2025<br>| XX |  | Lender guidelines require verification of rents or copy of lease agreement and 12 months' cancelled checks for borrower with rented primary residence. Despite this requirement, no VOR was provided. | AR | Investment | Purchase | NA | XX | N/A | N/A |
| 9732621991 | XX | XX |  |  | Closed | 2025-06-27 15:16 | 2025-07-22 13:43 | Waived | 2 - Non-Material | Credit | Eligibility | Debt Service Coverage Ratio below guideline minimum | Waived-Lender exception for DSCR below guideline minimum, this finding will be rated EV2. - Due Diligence Vendor-07/XX/2025 <br>Acknowledged-Lender acknowledged DSCR is below guideline requirement, this finding will be rated EV2 - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br>Open-Audited DSCR of 0.638 is below guideline minimum of 1 Debt Service Coverage Ratio of 0.63 is below guideline minimum of 1.00. - Due Diligence Vendor-06/XX/2025 |  | Waived-Lender exception for DSCR below guideline minimum, this finding will be rated EV2. - Due Diligence Vendor-07/XX/2025 <br>Acknowledged-Lender acknowledged DSCR is below guideline requirement, this finding will be rated EV2 - Due Diligence Vendor-07/XX/2025<br>| XX |  | Projected revenue of $25,900. <br> xx market score of 93. | TN | Investment | Purchase | NA | XX | Originator Post-Close | No |
| 9732621991 | XX | XX |  |  | Closed | 2025-06-30 21:58 | 2025-07-22 13:28 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Received Business Purpose & Occupancy Affidavit. Condition cleared. - Due Diligence Vendor-07/XX/2025 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. business purpose - Buyer-07/XX/2025 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-06/XX/2025 |  | Resolved-Received Business Purpose & Occupancy Affidavit. Condition cleared. - Due Diligence Vendor-07/XX/2025 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | TN | Investment | Purchase | NA | XX | N/A | N/A |
| 9725667290 | XX | XX |  |  | Closed | 2025-06-30 17:44 | 2025-07-11 19:54 | Resolved | 1 - Information | Credit | Missing Doc | Missing Lease Agreement | Resolved-Upon further review, this explanation is accepted. Condition cleared. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-UW response: This is purchase transaction and lease is not required if appraisal provides the current rent which is included on the subject rent schedule and used in qualifying. - Buyer-07/XX/2025 <br>Open-Missing lease agreements for the subject property. The appraisal indicates all units are rented; however, no leases were provided.<br> - Due Diligence Vendor-06/XX/2025 |  | Resolved-Upon further review, this explanation is accepted. Condition cleared. - Due Diligence Vendor-07/XX/2025<br>|  |  |  | PA | Investment | Purchase | NA | XX | N/A | N/A |
| 9780321163 | XX | XX |  |  | Closed | 2025-06-27 19:55 | 2025-07-08 17:24 | Resolved | 1 - Information | Credit | Eligibility | Debt Service Coverage Ratio below guideline minimum | Resolved-Received updated guidelines outlining new matrix for cash-out, finding resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-UW Team response: Please refer to updated guidelines published 6.6.25 v25.8 as lock date is 6.16.25. DSCR minimum is 1.0 for cash out refi at 75% LTV. - Buyer-07/XX/2025 <br>Open-Audited DSCR of 1.090 is below guideline minimum of 1.15 Audited DSCR of 1.090 does not meet minimum guideline DSCR of 1.15 for cash-out transaction. - Due Diligence Vendor-06/XX/2025 |  | Resolved-Received updated guidelines outlining new matrix for cash-out, finding resolved. - Due Diligence Vendor-07/XX/2025<br>|  |  |  | FL | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 9704437103 | XX | XX |  |  | Closed | 2025-06-26 13:50 | 2025-08-10 15:48 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received evidence of receipt. Condition cleared. - Due Diligence Vendor-08/XX/2025 <br>Resolved-xx- Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. full one span - Investor-07/XX/2025 <br>Counter-The upload of evidence summary is cutoff where it should provide date and time of borrower receipt, finding maintained. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. one span - Buyer-07/XX/2025 <br>Open-The Initial Closing Disclosure was provided on (2025-xx-06) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2025-xx-12). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-xx-10), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (20250605), for consummation to occur on (2025-xx-12). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of 06/XX/2025. Borrower acknowledged receipt of initial C.D. on 06/XX/2025 which is less than 3 business days prior to consummation. No Cure. - Due Diligence Vendor-06/XX/2025 <br>Open-xx- Due Diligence Vendor-06/XX/2025 |  | Resolved-Received evidence of receipt. Condition cleared. - Due Diligence Vendor-08/XX/2025<br>| XX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 9704437103 | XX | XX |  |  | Closed | 2025-06-26 12:23 | 2025-07-28 15:17 | Resolved | 1 - Information | Compliance | State Reg | TX 50(a)(6) Violation: Copy of Loan Application received at least 1 day prior to closing requirement not met | Resolved-Lender provided edocument with confirmation, finding resolved. - Due Diligence Vendor-07/XX/2025 <br>Counter-The upload of evidence summary is cutoff where it should provide date and time of borrower receipt, finding maintained. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. one span - Buyer-07/XX/2025 <br>Open-TX 50(a)(6) Violation: Copy of Loan Application received at least 1 day prior to closing requirement not met. - Due Diligence Vendor-06/XX/2025 |  | Resolved-Lender provided edocument with confirmation, finding resolved. - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 9718786370 | XX | XX |  |  | Closed | 2025-06-26 17:42 | 2025-08-10 15:54 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Received requested documentation. Condition cleared. - Due Diligence Vendor-08/XX/2025 <br>Resolved-xx- Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. denial letter from the 1st application 04/XX/25 - Investor-07/XX/2025 <br>Counter-Proof of loan declined, and new application required, finding maintained. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Application dated 04/XX/25 was a different loan number and was denied. <br>The application date on this loan was 05/XX/25. - Buyer-07/XX/2025 <br>Counter-Disclosure provided and disclosure in loan file both reflect same date, finding maintained. - Due Diligence Vendor-07/XX/2025 <br>Open-xx- Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. hoc - Investor-07/XX/2025 <br>Open-The Homeownership Counseling Organization Disclosure Sent Date (2025-xx-13) is more than 3 business days from the Application Date (2025-xx-21). Three business days from the Application Date is (2025-xx-24). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-06/XX/2025 <br>Open-xx- Due Diligence Vendor-06/XX/2025 |  | Resolved-Received requested documentation. Condition cleared. - Due Diligence Vendor-08/XX/2025<br>| XX |  |  | TN | Second Home | Purchase | NA | XX | N/A | N/A |
| 9718786370 | XX | XX |  |  | Closed | 2025-06-26 17:57 | 2025-07-08 17:59 | Resolved | 1 - Information | Compliance | Missing Doc | Loan Estimate disclosure is missing or incomplete | Resolved-Lender provided missing loan estimate, finding resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br>Open-Loan Estimate disclosure is missing or incomplete Revised Loan estimate dated 5/XX/2025 1st page in file. However, page 2 and 3 of 3 is missing. - Due Diligence Vendor-06/XX/2025 |  | Resolved-Lender provided missing loan estimate, finding resolved. - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | TN | Second Home | Purchase | NA | XX | N/A | N/A |
| 9718786370 | XX | XX |  |  | Closed | 2025-06-26 17:42 | 2025-07-08 17:57 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-xx- Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. icd - Seller-07/XX/2025 <br> Open-The Initial Closing Disclosure Received Date of (2025-xx-06) is not three business days before the consummation date of (2025-xx-06). Three business days before the consummation date is (xx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-06/XX/2025 <br> Open-xx- Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. icd - Seller-07/07/2025<br>| Resolved-xx- Due Diligence Vendor-07/XX/2025<br>| XX |  |  | TN | Second Home | Purchase | NA | XX | N/A | N/A |
| 9707207370 | XX | XX |  |  | Closed | 2025-07-23 19:56 | 2025-07-30 13:01 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025<br>|  |  |  | NC | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 9707207370 | XX | XX |  |  | Closed | 2025-07-23 18:14 | 2025-07-30 12:58 | Waived | 2 - Non-Material | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Business bank statements disclose 22 NSF events in the prior 12 months which is greater than the guideline maximum of 6 NSF events. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-07/XX/2025 |  | Waived-Business bank statements disclose 22 NSF events in the prior 12 months which is greater than the guideline maximum of 6 NSF events. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-07/XX/2025<br>|  |  | Minimum FICO: 696 <br> Maximum DTI: 35 <br> Maximum LTV: 80 <br> Minimum Reserves: 30,000 | NC | Primary Residence | Purchase | NA | XX | Originator Pre-Close | Yes |
| 9716619334 | XX | XX |  |  | Closed | 2025-07-16 11:53 | 2025-07-24 21:28 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Questionnaire | Resolved-Lender provided FNMA condo approval, finding resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. condo question - Buyer-07/XX/2025 <br>Counter-Lender provided condo approval, missing the condo questionnaire, finding maintained. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached 1008 and condo approval letter. - Buyer-07/XX/2025 <br>Open- The Condo Questionnaire is missing from the loan file. Additional conditions may apply.<br> - Due Diligence Vendor-07/XX/2025 |  | Resolved-Lender provided FNMA condo approval, finding resolved. - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | FL | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 9723143906 | XX | XX |  |  | Closed | 2025-07-17 11:15 | 2025-07-24 21:09 | Resolved | 1 - Information | Credit | Missing Doc | Missing evidence of sale of other property owned (REO) | Resolved-Lender provided CD from REO, finding resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. sale cd - Buyer-07/XX/2025 <br>Open-Final Hud-1, Closing documents, or other evidence of sale from property listed in position 3B on the co-borrower's application. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Lender provided CD from REO, finding resolved. - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | FL | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 9769712333 | XX | XX |  |  | Closed | 2025-07-16 19:28 | 2025-07-29 22:09 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Received At Least Four Business Days Before Consummation | Resolved-Evidence of electronic delivery provided; condition resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. docs sent to borrwer - Investor-07/XX/2025 <br>Counter-Lender provided E-Consent with borrower receiving LE on 6/XX/2025 therefore not providing borrower with at least four business days before consummation, finding maintained. - Due Diligence Vendor-07/XX/2025 <br>Open-A revised Loan Estimate was provided on (2025-xx-24) via (ElectronicDelivery). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (2025-xx-30). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (2025-xx-27), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (2025-xx-25). (12 CFR 1026.19(e)(4)(ii)) - Due Diligence Vendor-07/XX/2025 <br>Open-A revised Loan Estimate was provided on (2025-xx-24) via (ElectronicDelivery). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (2025-xx-30). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (2025-xx-27), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (2025-xx-25). (12 CFR 1026.19(e)(4)(ii)) - Due Diligence Vendor-07/XX/2025 <br>Open-xx- Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. onespan - Buyer-07/XX/2025 <br>Open-A revised Loan Estimate was provided on (2025-xx-24) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (2025-xx-30). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (2025-xx-27), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (2025-xx-25). (12 CFR 1026.19(e)(4)(ii)) . The re-disclosed LE reflects a Date Issued of 06/XX/2025 with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt is applied and borrower was not in receipt of re-disclosed LE 4 business days prior to consummation of 06/XX/2025. No Cure. - Due Diligence Vendor-07/XX/2025 <br>Open-xx- Due Diligence Vendor-07/XX/2025 <br>Open-xx- Due Diligence Vendor-07/XX/2025 <br>Open-xx- Due Diligence Vendor-07/XX/2025 <br>Open-xx- Due Diligence Vendor-07/XX/2025 <br>Open-xx- Due Diligence Vendor-07/XX/2025 <br>Open-xx- Due Diligence Vendor-07/XX/2025 |  | Resolved-Evidence of electronic delivery provided; condition resolved. - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | VA | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 9769712333 | XX | XX |  |  | Closed | 2025-07-16 20:04 | 2025-07-16 20:04 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025<br>|  |  |  | VA | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 215101601 | XX | XX |  |  | Closed | 2025-06-27 14:06 | 2025-08-13 12:42 | Resolved | 1 - Information | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Lender provided approval. Finding Resolved. - Due Diligence Vendor-08/XX/2025 <br>Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/XX/2025 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-06/XX/2025 |  | Resolved-Lender provided approval. Finding Resolved. - Due Diligence Vendor-08/XX/2025 <br>Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-08/XX/2025<br>| XX |  |  | UT | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 9724918355 | XX | XX |  |  | Closed | 2025-06-27 18:38 | 2025-08-19 14:40 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided updated final CD and evidence of final gift funds. Condition cleared. - Due Diligence Vendor-08/XX/2025 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Can you please advise what specifically you are looking for to clear these conditions? - Seller-08/XX/2025 <br> Counter-Total amounts received per wire transfer to escrow $91,200 vs Final CD reflecting credits $77,811.63 & $15,021.00, there is a difference of $1632.63, finding maintained. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Gift fund wires provided. Page 3 on the updated CD has a credit of $16,000. This is the total of the seller credits per the purchase agreement, this is not related to commission. Page 2 of CD reflects $5000 commission paid to XX, not to the borrower. The agent commission of $16,815 was not applied to the cash to close for this transaction. It was not needed Cash to close + reserves = $124,634.10. Verified assets are sufficient. - Investor-07/XX/2025 <br> Counter-Missing wire confirmation for gift funds in the amount of $77,811.63 & $15,021, finding maintained. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Please refer to the updated CD signed 7.16.25. The cash to close on the updated CD is $102,481.41. The updated CD does not include a credit for the borrower's commission in the amount of $16,815. This was not needed. The borrower has sufficient verified assets to support both the cash to close and required reserves for the transaction. - Buyer-07/XX/2025 <br> Counter-Missing the commission distribution form for subject transaction. Per the final CD, the funds do not total $16,815 as per rebuttal below. Page 3 on final CD reflects $16,000 and page 2 of CD reflects $5000 commission to buyer. Additionally, the commission received will not suffice in total assets required to close, finding maintained. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-The $16,815 as listed on the asset worksheet is verified. This amount is the buyer's agent commission that is to be applied as a credit at closing. The amount is confirmed by XX as $22,200 commission @ 80% = $17,760 less $250 risk fee, $195 transaction fee and $500 annual for a final amount of $16,815. This amount is listed as a credit on the final CD. - Buyer-07/XX/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $22152.69 - Due Diligence Vendor-06/XX/2025 | Ready for Review-Can you please advise what specifically you are looking for to clear these conditions? - Seller-08/07/2025<br>| Resolved-Lender provided updated final CD and evidence of final gift funds. Condition cleared. - Due Diligence Vendor-08/XX/2025 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/XX/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 9724918355 | XX | XX |  |  | Closed | 2025-06-27 18:30 | 2025-08-11 15:41 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Lender provided updated final CD and evidence of final gift funds. Condition cleared. - Due Diligence Vendor-08/XX/2025 <br> Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Can you please advise what specifically you are looking for to clear these conditions? - Investor-08/XX/2025 <br> Counter-Total amounts received per wire transfer to escrow $91,200 vs Final CD reflecting credits $77,811.63 & $15,021.00, there is a difference of $1632.63, finding maintained. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Gift fund wires provided. Page 3 on the updated CD has a credit of $16,000. This is the total of the seller credits per the purchase agreement, this is not related to commission. Page 2 of CD reflects $5000 commission paid to LXX, not to the borrower. The agent commission of $16,815 was not applied to the cash to close for this transaction. It was not needed Cash to close + reserves = $124,634.10. Verified assets are sufficient. - Buyer-07/XX/2025 <br> Counter-Missing wire confirmation for gift funds in the amount of $77,811.63 & $15,021, finding maintained. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Please refer to the updated CD signed 7.16.25. The cash to close on the updated CD is $102,481.41. The updated CD does not include a credit for the borrower's commission in the amount of $16,815. This was not needed. The borrower has sufficient verified assets to support both the cash to close and required reserves for the transaction. - Buyer-07/XX/2025 <br> Counter-Missing the commission distribution form for subject transaction. Per the final CD, the funds do not total $16,815 as per rebuttal below. Page 3 on final CD reflects $16,000 and page 2 of CD reflects $5000 commission to buyer. Additionally, the commission received will not suffice in total assets required to close, finding maintained. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-The $16,815 as listed on the asset worksheet is verified. This amount is the buyer's agent commission that is to be applied as a credit at closing. The amount is confirmed by XX as $22,200 commission @ 80% = $17,760 less $250 risk fee, $195 transaction fee and $500 annual for a final amount of $16,815. This amount is listed as a credit on the final CD. - Investor-07/XX/2025 <br> Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $145,448.25 less cash to close of $180,293.04 and less unverified deposit of $16,815 results in $51,659.79 shortage of funds to close. - Due Diligence Vendor-06/XX/2025 |  | Resolved-Lender provided updated final CD and evidence of final gift funds. Condition cleared. - Due Diligence Vendor-08/XX/2025 <br>Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-08/XX/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 9724918355 | XX | XX |  |  | Closed | 2025-06-27 18:15 | 2025-08-11 15:41 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Lender provided updated final CD and evidence of final gift funds. Condition cleared. - Due Diligence Vendor-08/XX/2025 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $42966.84 is equal to or greater than Total Required Reserve Amount of $22152.69 - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Can you please advise what specifically you are looking for to clear these conditions? - Buyer-08/XX/2025 <br> Counter-Total amounts received per wire transfer to escrow $91,200 vs Final CD reflecting credits $77,811.63 & $15,021.00, there is a difference of $1632.63, finding maintained. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Gift fund wires provided. Page 3 on the updated CD has a credit of $16,000. This is the total of the seller credits per the purchase agreement, this is not related to commission. Page 2 of CD reflects $5000 commission paid to LXX not to the borrower. The agent commission of $16,815 was not applied to the cash to close for this transaction. It was not needed Cash to close + reserves = $124,634.10. Verified assets are sufficient. - Investor-07/XX/2025 <br> Counter-Missing wire confirmation for gift funds in the amount of $77,811.63 & $15,021, finding maintained. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Please refer to the updated CD signed 7.16.25. The cash to close on the updated CD is $102,481.41. The updated CD does not include a credit for the borrower's commission in the amount of $16,815. This was not needed. The borrower has sufficient verified assets to support both the cash to close and required reserves for the transaction. - Buyer-07/XX/2025 <br> Counter-Missing the commission distribution form for subject transaction. Per the final CD, the funds do not total $16,815 as per rebuttal below. Page 3 on final CD reflects $16,000 and page 2 of CD reflects $5000 commission to buyer. Additionally, the commission received will not suffice in total assets required to close, finding maintained. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-The $16,815 as listed on the asset worksheet is verified. This amount is the buyer's agent commission that is to be applied as a credit at closing. The amount is confirmed by XXas $22,200 commission @ 80% = $17,760 less $250 risk fee, $195 transaction fee and $500 annual for a final amount of $16,815. This amount is listed as a credit on the final CD. - Buyer-07/XX/2025 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $22152.69 - Due Diligence Vendor-06/XX/2025 |  | Resolved-Lender provided updated final CD and evidence of final gift funds. Condition cleared. - Due Diligence Vendor-08/XX/2025 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $42966.84 is equal to or greater than Total Required Reserve Amount of $22152.69 - Due Diligence Vendor-08/XX/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 9724918355 | XX | XX |  |  | Closed | 2025-06-27 18:40 | 2025-08-11 15:41 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Lender provided updated final CD and evidence of final gift funds. Condition cleared. - Due Diligence Vendor-08/XX/2025 <br> Resolved-Audited Reserves of 5.82 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Can you please advise what specifically you are looking for to clear these conditions? - Investor-08/XX/2025 <br> Counter-Total amounts received per wire transfer to escrow $91,200 vs Final CD reflecting credits $77,811.63 & $15,021.00, there is a difference of $1632.63, finding maintained. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Gift fund wires provided. Page 3 on the updated CD has a credit of $16,000. This is the total of the seller credits per the purchase agreement, this is not related to commission. Page 2 of CD reflects $5000 commission paid to XX not to the borrower. The agent commission of $16,815 was not applied to the cash to close for this transaction. It was not needed Cash to close + reserves = $124,634.10. Verified assets are sufficient. - Seller-07/XX/2025 <br> Counter-Missing wire confirmation for gift funds in the amount of $77,811.63 & $15,021, finding maintained. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Please refer to the updated CD signed 7.16.25. The cash to close on the updated CD is $102,481.41. The updated CD does not include a credit for the borrower's commission in the amount of $16,815. This was not needed. The borrower has sufficient verified assets to support both the cash to close and required reserves for the transaction. - Seller-07/XX/2025 <br> Counter-Missing the commission distribution form for subject transaction. Per the final CD, the funds do not total $16,815 as per rebuttal below. Page 3 on final CD reflects $16,000 and page 2 of CD reflects $5000 commission to buyer. Additionally, the commission received will not suffice in total assets required to close, finding maintained. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-The $16,815 as listed on the asset worksheet is verified. This amount is the buyer's agent commission that is to be applied as a credit at closing. The amount is confirmed by XX as $22,200 commission @ 80% = $17,760 less $250 risk fee, $195 transaction fee and $500 annual for a final amount of $16,815. This amount is listed as a credit on the final CD. - Buyer-07/XX/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-06/XX/2025 | Ready for Review-Document Uploaded. Gift fund wires provided. Page 3 on the updated CD has a credit of $16,000. This is the total of the seller credits per the purchase agreement, this is not related to commission. Page 2 of CD reflects $5000 commission paid to XX not to the borrower. The agent commission of $16,815 was not applied to the cash to close for this transaction. It was not needed Cash to close + reserves = $124,634.10. Verified assets are sufficient. - Seller-07/28/2025 <br> Ready for Review-Document Uploaded. Please refer to the updated CD signed 7.16XX25. The cash to close on the updated CD is $102,481.41. The updated CD does not include a credit for the borrower's commission in the amount of $16,815. This was not needed. The borrower has sufficient verified assets to support both the cash to close and required reserves for the transaction. - Seller-07/24/2025 | Resolved-Lender provided updated final CD and evidence of final gift funds. Condition cleared. - Due Diligence Vendor-08/XX/2025 <br>Resolved-Audited Reserves of 5.82 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-08/XX/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 9785502072 | XX | XX |  |  | Closed | 2025-07-28 18:23 | 2025-08-08 20:05 | Resolved | 1 - Information | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-Lender provided copy of Master Policy which is valid. Finding Resolved. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. master policy - Buyer-08/XX/2025 <br>Open-Missing HO-6 Master Insurance Policy Missing Master Insurance Policy - Due Diligence Vendor-07/XX/2025 |  | Resolved-Lender provided copy of Master Policy which is valid. Finding Resolved. - Due Diligence Vendor-08/XX/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 9713888544 | XX | XX |  |  | Closed | 2025-07-23 18:13 | 2025-07-23 18:13 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 9727458979 | XX | XX |  |  | Closed | 2025-07-23 20:51 | 2025-08-07 13:52 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date (Investment Property Warnings) | Resolved-Resolved - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached ICD and audit trail showing the borrower viewed the ICD on 07-xx-25. - Buyer-08/XX/2025 <br>Open-The Initial Closing Disclosure was provided on (2025-xx-10) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2025-xx-14). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-xx-14), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (20250707), for consummation to occur on (2025-xx-14). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of 07/XX/2025 with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of 07/XX/2025. No Cure. - Due Diligence Vendor-07/XX/2025 <br>Open-xx- Due Diligence Vendor-07/XX/2025 <br>Open-xx- Due Diligence Vendor-07/XX/2025 <br>Open-xx- Due Diligence Vendor-07/XX/2025 |  | Resolved-Resolved - Due Diligence Vendor-08/XX/2025<br>| XX |  |  | CO | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 9727458979 | XX | XX |  |  | Closed | 2025-07-23 20:51 | 2025-08-07 13:52 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Resolved - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached ICD and audit trail showing the borrower viewed the ICD on 07-xx-25. - Investor-08/XX/2025 <br>Open-The Initial Closing Disclosure was provided on (2025-xx-10) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2025-xx-14). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-xx-14), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (20250707), for consummation to occur on (2025-xx-14). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of 07/XX/2025 with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of 07/XX/2025. No Cure. - Due Diligence Vendor-07/XX/2025 <br>Open-xx- Due Diligence Vendor-07/XX/2025 <br>Open-xx- Due Diligence Vendor-07/XX/2025 <br>Open-xx- Due Diligence Vendor-07/XX/2025 |  | Resolved-Resolved - Due Diligence Vendor-08/XX/2025<br>| XX |  |  | CO | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 9728005308 | XX | XX |  |  | Closed | 2025-07-23 18:32 | 2025-08-01 18:31 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Payoff statement attached. - Buyer-08/XX/2025 <br>Counter-Missing attachment for payoff statement, finding maintained. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Please see attached payoff statement. - Buyer-07/XX/2025 <br>Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-08/XX/2025<br>| XX |  |  | NY | Second Home | Refinance | Cash Out - Other | XX | N/A | N/A |
| 9728005308 | XX | XX |  |  | Closed | 2025-07-23 18:50 | 2025-07-23 18:50 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/XX/2025<br>|  |  |  | NY | Second Home | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| 9746503656 | XX | XX |  |  | Closed | 2025-07-24 13:33 | 2025-08-05 21:24 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of 07-xx-2025 is prior to or equal to the Note Date of 07-xx-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. hoi - Buyer-08/XX/2025 <br>Open-Hazard Insurance Effective Date of 07-xx-2025 is after the Note Date of 07-xx-2025 - Due Diligence Vendor-07/XX/2025 |  | Resolved-Hazard Insurance Effective Date of 07-xx-2025 is prior to or equal to the Note Date of 07-xx-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-08/XX/2025<br>| XX |  |  | FL | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 9751398893 | XX | XX |  |  | Closed | 2025-07-24 11:19 | 2025-08-19 13:55 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-08/XX/2025 <br>Resolved-Drivers License for both borrowers provided by lender. Finding Resolved. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. DL - Buyer-08/XX/2025 <br>Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-08/XX/2025 <br>Resolved-Drivers License for both borrowers provided by lender. Finding Resolved. - Due Diligence Vendor-08/XX/2025<br>| XX |  |  | MI | Investment | Purchase | NA | XX | N/A | N/A |
| 9757459251 | XX | XX |  |  | Closed | 2025-08-05 18:15 | 2025-08-05 18:15 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2025<br>|  |  |  | KS | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 9784144546 | XX | XX |  |  | Closed | 2025-07-22 19:44 | 2025-08-04 17:33 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Cured-Lender provided documentation for credit, PCCD and LOX, finding will be rated EV2. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Our PCCDs are automatically delivered via email if there is prior econsent in the file, the refund is posted to the borrower's loan as a principal reduction. History was provided in response on 08-xx-25. - Buyer-08/XX/2025 <br>Counter-Missing proof of delivery, finding maintained. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached cure package. - Investor-08/XX/2025 <br>Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated 05/XX/2025, reflects a Credit Report Fee of $80. Final CD dated07/XX/2025 reflects a Credit Report Fee of $84.55. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $4.55 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-07/XX/2025 <br>Open-xx- Due Diligence Vendor-07/XX/2025 <br>Open-xx- Due Diligence Vendor-07/XX/2025 |  | Cured-Lender provided documentation for credit, PCCD and LOX, finding will be rated EV2. - Due Diligence Vendor-08/XX/2025<br>| XX |  |  | IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 9784144546 | XX | XX |  |  | Closed | 2025-07-22 19:44 | 2025-08-04 17:32 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-Lender provided documentation for credit, PCCD and LOX, finding will be rated EV2. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Our PCCDs are automatically delivered via email if there is prior econsent in the file, the refund is posted to the borrower's loan as a principal reduction. History was provided in response on 08-xx-25. - Investor-08/XX/2025 <br>Counter-Missing proof of delivery, finding maintained. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached cure package. - Investor-08/XX/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Tolerance cure of $4.55 to be provided within 60 days of discovery. - Due Diligence Vendor-07/XX/2025 <br>Open-xx- Due Diligence Vendor-07/XX/2025 <br>Open-xx- Due Diligence Vendor-07/XX/2025 |  | Cured-Lender provided documentation for credit, PCCD and LOX, finding will be rated EV2. - Due Diligence Vendor-08/XX/2025<br>| XX |  |  | IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 9784144546 | XX | XX |  |  | Closed | 2025-07-23 14:46 | 2025-07-30 20:48 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Mortgage statement in spouses name received, finding resolved. - Due Diligence Vendor-07/XX/2025 <br> Counter-Mortgage statement does not provide mortgage history as required by guidelines, finding maintained. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. UW response: Disagree – the attached mortgage statement for XX confirms that the borrower is not personally obligated on the debt. A VOM is not required. - Investor-07/XX/2025 <br> Open-ATR Risk - Credit History taken into consideration does not meet requirements Verification of Mortgage (VOM) Document is Missing. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Mortgage statement in spouses name received, finding resolved. - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 9784144546 | XX | XX |  |  | Closed | 2025-07-23 14:46 | 2025-07-30 20:47 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-Mortgage statement provided showing in name of spouse, finding resolved. - Due Diligence Vendor-07/XX/2025 <br> Counter-Mortgage statement does not provide mortgage history as required by guidelines, finding maintained. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. UW response: Disagree – the attached mortgage statement for XX confirms that the borrower is not personally obligated on the debt. A VOM is not required. - Investor-07/XX/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Mortgage (VOM) Document is Missing. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Mortgage statement provided showing in name of spouse, finding resolved. - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 9784144546 | XX | XX |  |  | Closed | 2025-07-22 20:19 | 2025-07-29 21:02 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached payoff statement. - Buyer-07/XX/2025 <br>Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 9786339615 | XX | XX |  |  | Closed | 2025-07-23 14:19 | 2025-08-19 18:57 | Resolved | 1 - Information | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Updated guidelines provided; Audited FICO of 657 is greater than or equal to Guideline FICO of 640; condition resolved. - Due Diligence Vendor-08/XX/2025 <br> Open-xx- Due Diligence Vendor-08/XX/2025 <br> Counter-Underwriting team missing the guidelines mentioned below, finding maintained - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Please advise if you are using the correct guide version to ensure compliance with the updated FICO requirement. The minimum FICO score requirement was updated to 640 in Guide Version 25.5, effective May 30, 2025. Since the loan application was submitted on June XX, 2025, it must be reviewed under Guide Version 25.6, which was published on June 23, 2025. The current version is 25.7, effective July 24, 2025. - Investor-08/XX/2025 <br> Open-Audited FICO of 657 is less than Guideline FICO of 660 - Due Diligence Vendor-08/XX/2025 |  | Resolved-Updated guidelines provided; Audited FICO of 657 is greater than or equal to Guideline FICO of 640; condition resolved. - Due Diligence Vendor-08/XX/2025<br>|  |  |  | AL | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 9786339615 | XX | XX |  |  | Closed | 2025-08-04 13:41 | 2025-08-19 18:56 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Updated guidelines provided; Audited FICO of 657 is greater than or equal to Guideline FICO of 640; condition resolved. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Please review the guidelines that were uploaded to your site on 07/XX/25 - Investor-08/XX/2025 <br> Counter-Underwriting team missing the guidelines mentioned below, finding maintained - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-8.5 pushed back to opus nqm Please advise if you are using the correct guide version to ensure compliance with the updated FICO requirement. The minimum FICO score requirement was updated to 640 in Guide Version 25.5, effective May 30, 2025. Since the loan application was submitted on June XX, 2025, it must be reviewed under Guide Version 25.6, which was published on June 23, 2025. The current version is 25.7, effective July 24, 2025. - Buyer-08/XX/2025 <br> Open-ATR Risk - Credit History taken into consideration does not meet requirements Audited FICO of 657 is less than Guideline FICO of 660. - Due Diligence Vendor-08/XX/2025 |  | Resolved-Updated guidelines provided; Audited FICO of 657 is greater than or equal to Guideline FICO of 640; condition resolved. - Due Diligence Vendor-08/XX/2025<br>|  |  |  | AL | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 9786339615 | XX | XX |  |  | Closed | 2025-07-23 13:26 | 2025-08-19 18:56 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-xx- Due Diligence Vendor-08/XX/2025 <br> Resolved-Lender provided bank stmt acct #xx with sufficient funds. Finding resolved. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. bank statement - Buyer-08/XX/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-08/XX/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing bank statement dated 10/XX/2024 from xx account number ending xx. - Due Diligence Vendor-08/XX/2025 |  | Resolved-xx- Due Diligence Vendor-08/XX/2025 <br> Resolved-Lender provided bank stmt XXwith sufficient funds. Finding resolved. - Due Diligence Vendor-08/XX/2025 | XX |  |  | AL | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 9786339615 | XX | XX |  |  | Closed | 2025-08-04 13:52 | 2025-08-19 18:54 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Lender provided bank stmt acct #xx with sufficient funds. Finding resolved. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. bank statement - Investor-08/XX/2025 <br> Open-Missing bank statement dated 10/XX/2024 from XX. - Due Diligence Vendor-08/XX/2025 |  | Resolved-Lender provided bank stmt acct XXwith sufficient funds. Finding resolved. - Due Diligence Vendor-08/XX/2025 | XX |  |  | AL | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 9793562092 | XX | XX |  |  | Closed | 2025-08-05 13:18 | 2025-08-08 21:53 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. Reserves for XX are not needed and were removed from the asset worksheet. This property is a business, XX, which is a for profit, licensed xx that is secured by a commercial mortgage. - Buyer-08/XX/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Total Qualified Assets for Reserves Post-Close of $29636.27 is less than Total Required Reserve Amount of $33765.68 - Due Diligence Vendor-08/XX/2025 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/XX/2025<br>| XX |  |  | FL | Second Home | Purchase | NA | XX | N/A | N/A |
| 9793562092 | XX | XX |  |  | Closed | 2025-08-05 12:54 | 2025-08-08 21:51 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $29636.27 is equal to or greater than Total Required Reserve Amount of $25324.26 - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. Reserves for XX are not needed and were removed from the asset worksheet. This property is a business,XX which is a for profit, licensed xx that is secured by a commercial mortgage. - Seller-08/XX/2025 <br> Open-Total Qualified Assets for Reserves Post-Close of $29636.27 is less than Total Required Reserve Amount of $33765.68 - Due Diligence Vendor-08/XX/2025 | Ready for Review-Document Uploaded. Reserves for XX are not needed and were removed from the asset worksheet. This property is a business, XX, which is a for profit, licensed xx that is secured by a commercial mortgage. - Seller-08/07/2025 | Resolved-Total Qualified Assets for Reserves Post-Close of $29636.27 is equal to or greater than Total Required Reserve Amount of $25324.26 - Due Diligence Vendor-08/XX/2025<br>| XX |  |  | FL | Second Home | Purchase | NA | XX | N/A | N/A |
| 9793562092 | XX | XX |  |  | Closed | 2025-07-23 15:10 | 2025-08-08 21:50 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 7.02 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. Reserves for XXare not needed and were removed from the asset worksheet. This property is a business, XX, which is a for profit, licensed xx that is secured by a commercial mortgage. - Investor-08/XX/2025 <br> Open-Audited Reserves of 7.02 month(s) are less than Guideline Required Reserves of 8 month(s) Audited Reserves of 7.02 months are less than Guideline Required Reserves of 8 months. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Audited Reserves of 7.02 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-08/XX/2025<br>| XX |  |  | FL | Second Home | Purchase | NA | XX | N/A | N/A |
| 9776844582 | XX | XX |  |  | Closed | 2025-07-23 16:00 | 2025-08-01 18:22 | Resolved | 1 - Information | Credit | Eligibility | Debt Service Coverage Ratio below guideline minimum | Resolved-Audited DSCR of 1.151 is greater than or equal to the Guideline DSCR of 1.15 - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-1008, dscr and ZZ - Buyer-08/XX/2025 <br> Open-Audited DSCR of 0.976 is below guideline minimum of 1.15 Debt Service Coverge Ratio of <> is below guideline minimum of <>.. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. 1008, DSCR, ZZ - Buyer-07/XX/2025 <br> Open-Audited DSCR of 0.976 is below guideline minimum of 1.15 Debt Service Coverge Ratio of 0.976 is below guideline minimum of 1.15. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Audited DSCR of 1.151 is greater than or equal to the Guideline DSCR of 1.15 - Due Diligence Vendor-08/XX/2025<br>| XX |  |  | FL | Investment | Purchase | NA | XX | N/A | N/A |
| 9772270576 | XX | XX |  |  | Closed | 2025-08-04 14:11 | 2025-08-07 13:43 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. note ppp - Buyer-08/XX/2025 <br>Open-The Note is Incomplete Prepayment addendum is missing in file. - Due Diligence Vendor-08/XX/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-08/XX/2025<br>| XX |  |  | FL | Investment | Purchase | NA | XX | N/A | N/A |
| 9755647246 | XX | XX |  |  | Closed | 2025-07-22 17:02 | 2025-08-20 13:26 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Lender provided Exception Approval for Loan amount less than guideline minimum requirement. Condition Waived, Reporting EV1 - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. sle - Buyer-08/XX/2025 <br> Open-Audited Loan Amount of $ZZ is less than the Guideline Minimum Loan Amount of $100000 A lender exception e-mail approval was provided in the loan file but did not include any compensating factors. Additional conditions may apply upon receipt of an updated lender exception - Due Diligence Vendor-07/XX/2025 |  | Waived-Lender provided Exception Approval for Loan amount less than guideline minimum requirement. Condition Waived, Reporting EV1 - Due Diligence Vendor-08/XX/2025<br>| XX |  | 51.07 months PITIA Reserves exceeds 15 months required ; 0x30x21 years mtg reporting | LA | Investment | Refinance | Cash Out - Other | XX | Originator Pre-Close | Yes |
| 9755647246 | XX | XX |  |  | Closed | 2025-07-22 16:10 | 2025-08-08 16:31 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Lender provided payoff statement. Condition Resolved, reporting EV1. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. payoff - Buyer-08/XX/2025 <br>Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Lender provided payoff statement. Condition Resolved, reporting EV1. - Due Diligence Vendor-08/XX/2025<br>| XX |  |  | LA | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 9705217801 | XX | XX |  |  | Closed | 2025-06-27 04:35 | 2025-07-21 13:44 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of 06-xx-2025 is prior to or equal to the Note Date of 06-xx-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. hoi - Buyer-07/XX/2025 <br>Open-Hazard Insurance Effective Date of 06-xx-2025 is after the Note Date of 06-xx-2025. The disbursement date is 06-xx-2025. - Due Diligence Vendor-06/XX/2025 |  | Resolved-Hazard Insurance Effective Date of 06-xx-2025 is prior to or equal to the Note Date of 06-xx-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | CA | Second Home | Purchase | NA | XX | N/A | N/A |
| 9705217801 | XX | XX |  |  | Closed | 2025-06-27 04:35 | 2025-07-21 13:44 | Resolved | 1 - Information | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Resolved-Other Property Insurance Policy Effective Date of 06-xx-2025 is after the Note Date of 06-xx-2025 Updated binder with effective date of 6/XX/2025 provided, finding resolvef. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. hoi - Buyer-07/XX/2025 <br>Open-Other Property Insurance Policy Effective Date of 06-xx-2025 is after the Note Date of 06-xx-2025. The disbursement date is 06-xx-2025. - Due Diligence Vendor-06/XX/2025 |  | Resolved-Other Property Insurance Policy Effective Date of 06-xx-2025 is after the Note Date of 06-xx-2025 Updated binder with effective date of 6/XX/2025 provided, finding resolvef. - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | CA | Second Home | Purchase | NA | XX | N/A | N/A |
| 9763444990 | XX | XX |  |  | Closed | 2025-07-01 12:29 | 2025-07-14 13:56 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received missing bank statement. Condition cleared. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached bank statement for February 2025. - Buyer-07/XX/2025 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Incomplete business bank statements. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Received missing bank statement. Condition cleared. - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | MI | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 9763444990 | XX | XX |  |  | Closed | 2025-07-01 12:30 | 2025-07-14 13:56 | Resolved | 1 - Information | Credit | Income/Employment | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-Received missing bank statement. Condition cleared. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached bank statement for February 2025. - Buyer-07/XX/2025 <br>Open-Loan was approved under the 12-month bank statement program. Loan file is missing the 02/2025 statement. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Received missing bank statement. Condition cleared. - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | MI | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 9763444990 | XX | XX |  |  | Closed | 2025-07-01 12:28 | 2025-07-01 12:29 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025<br>|  |  |  | MI | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 215267600 | XX | XX |  |  | Closed | 2025-07-15 14:01 | 2025-07-15 21:44 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 9746450684 | XX | XX |  |  | Closed | 2025-07-14 14:53 | 2025-07-23 18:28 | Resolved | 1 - Information | Credit | Missing Doc | Missing income documentation | Resolved-Lender provided executed operating agreement, finding resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Please see the attached signed operating agreement. - Buyer-07/XX/2025 <br>Open-Provide fully executed Operating agreement since provided Operating agreement does not contains signature. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Lender provided executed operating agreement, finding resolved. - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | VA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 9746450684 | XX | XX |  |  | Closed | 2025-07-16 17:33 | 2025-07-23 18:27 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Please see the attached signed operating agreement. - Investor-07/XX/2025 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Operating Statement provided in file to confirm Borrower's ownership percentage in the business was not signed by the Borrower. - Due Diligence Vendor-07/XX/2025 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | VA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 9746450684 | XX | XX |  |  | Closed | 2025-07-14 16:53 | 2025-07-21 13:28 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br>Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | VA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 9787671032 | XX | XX |  |  | Closed | 2025-07-16 15:00 | 2025-07-21 13:31 | Resolved | 1 - Information | Compliance | Closing | Note Does Not Indicate a Buy-Down but CD Indicates a Buy-Down | Resolved-Lender provided executed temporary buydown, finding resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached Buydown Agreement. - Buyer-07/XX/2025 <br>Open-Loan file is missing a copy of the Buydown Agreement. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Lender provided executed temporary buydown, finding resolved. - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | WA | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 9793380230 | XX | XX |  |  | Closed | 2025-07-14 11:37 | 2025-07-23 18:03 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached settlement statement and final CD showing the per diem interest was paid in accordance with the payoff statement. - Buyer-07/XX/2025 <br> Counter-Payoff letter provided was good until June 5, 2025, and subject note date is June XX,2025, finding maintained. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached payoff statement. - Buyer-07/XX/2025 <br> Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 9723830874 | XX | XX |  |  | Closed | 2025-07-16 08:33 | 2025-07-21 13:41 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached mortgage payoff. - Buyer-07/XX/2025 <br>Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 9730723963 | XX | XX |  |  | Closed | 2025-07-21 14:59 | 2025-09-18 15:23 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender credit exception with valid compensating factors excluding assets in loan file, finding Waived with an EV2. - Due Diligence Vendor-09/XX/2025 <br>Acknowledged-Lender credit exception with valid compensating factors excluding assets in loan file, finding will be rated EV2. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached asset worksheet and bank statements. - Buyer-07/XX/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing verification of acceptable housing payment history. Borrower is a first-time homebuyer who has been living rent free for the past 3+ years. Lender provided approved exception dated prior to consummation; however, all compensating factors have not been documented as $32,000 in reserve has not been verified. - Due Diligence Vendor-07/XX/2025 |  | Waived-Lender credit exception with valid compensating factors excluding assets in loan file, finding Waived with an EV2. - Due Diligence Vendor-09/XX/2025 <br>Acknowledged-Lender credit exception with valid compensating factors excluding assets in loan file, finding will be rated EV2. - Due Diligence Vendor-07/XX/2025<br>| XX |  | 694 FICO, Low DTI, 80% LTV, and Reserves. | NY | Primary Residence | Purchase | NA | XX | Originator Post-Close | No |
| 9730723963 | XX | XX |  |  | Closed | 2025-07-21 15:55 | 2025-09-17 15:14 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached asset worksheet and bank statements. - Buyer-07/XX/2025 <br>Open-ATR Risk - Credit History taken into consideration does not meet requirements Missing verification of acceptable housing payment history. Borrower is a first-time homebuyer who has been living rent free for the past 3+ years. Lender provided approved exception dated prior to consummation; however, all compensating factors have not been documented as $32,000 in reserve has not been verified. - Due Diligence Vendor-07/XX/2025 |  | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 215255761 | XX | XX |  |  | Closed | 2025-09-18 22:57 | 2025-09-19 11:57 | Resolved | 1 - Information | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Lender provided proof of rent loss. Coverage is sufficient. Finding Resolved. - Due Diligence Vendor-09/XX/2025 <br>Open-Hazard Policy is missing evidence of Rent Loss coverage. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided proof of rent loss. Coverage is sufficient. Finding Resolved. - Due Diligence Vendor-09/XX/2025<br>|  |  |  | PA | Investment | Purchase | NA | XX | N/A | N/A |
| 9752691197 | XX | XX |  |  | Closed | 2025-07-14 19:01 | 2025-07-18 15:30 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. ein - Buyer-07/XX/2025 <br>Open-Missing Borrowing Entity Tax ID. Missing borrowing entity Tax ID number verified by EIN verification letter issued by the IRS or completed IRS form W-9 as required by guidelines. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | VA | Investment | Purchase | NA | XX | N/A | N/A |
| 9718337943 | XX | XX |  |  | Closed | 2025-07-09 13:59 | 2025-07-17 16:58 | Resolved | 1 - Information | Credit | Eligibility | Exclusionary Party Screening - Restricted Party Present | Resolved-Lender provided GOV search for two parties, finding resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. exclusionary list - Buyer-07/XX/2025 <br>Open-Exclusionary Party Screening - Restricted Party Present. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Lender provided GOV search for two parties, finding resolved. - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | IN | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 9755178804 | XX | XX |  |  | Closed | 2025-07-10 19:28 | 2025-07-17 16:25 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. payoff statement - Buyer-07/XX/2025 <br> Open-Missing Payoff Statement for prior loan. Missing Payoff Statement for prior loan #XX. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | FL | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | Loan ID | Seller Loan ID | Investor Loan ID | Lender Application Date | Originator QM Status | Final QM Status | Originator QM Status Difference than Final QM Status? | Reason Why NonQM Final Status | APR Pricing Threshold Exceeded? | QM DTI Threshold Exceeded? | Higher Priced Mortgage Loan (HPML)? | Negatively Amortizing Loan? | Principal Deferment? | Interest Only Flag? | Prepayment Penalty? | Balloon Flag? | Adjustable Rate Balloon? | Loan Term Less Than 5 Years? | QM Points and Fees Threshold Exceeded? | QM Total Points and Fees | APR | ATR: Qualifying Payment Properly Considered? | ATR: Current Employment/Self-Employment Verified? | ATR: Balloon Qualifying Payment Properly Considered? | ATR: Reasonable Income or Assets Considered? | ATR: Subject PITIA Adequately Documented? | ATR: All Liabilities Including Alimony and Child Support in DTI? | ATR: Simultaneous Loan Calculated Properly | ATR: Credit History was Considered Properly? | ATR: Did Lender Document All ATR Factors? | ATR: Was an ATR/QM DTI/Residual Income Analysis Provided? | Residual Income | Residual Income Meets Guidelines? | Borrower 1 Employment Indicator | Borrower 2 Employment Indicator | Borrower 1 Foreign National Indicator | Borrower 2 Foreign National Indicator | Business Purpose Loan? | Business Purpose Verified? |
| 215135773 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.877 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 51552.65 | N/A | Employed |  | No |  | No |  |
| 215148180 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.383 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6299.1 | N/A | Employed |  | No |  | No |  |
| 214808388 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 35627.9 | Yes | Employed |  | No |  | Yes | Present |
| 9733151113 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.205 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7437.78 | N/A | Employed |  | No |  | No |  |
| 9704448829 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.124 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14113.77 | Yes | Retired | Retired | No | No | No |  |
| 9721644640 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.748 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2957.73 | N/A | Employed |  | No |  | No |  |
| 9763122513 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.165 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4772.31 | N/A | Employed |  | No |  | No |  |
| 9764890514 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.084 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5877.68 | Yes | Employed |  | No |  | No |  |
| 9767935696 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.064 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 116526.92 | N/A | Employed |  | No |  | No |  |
| 9769275034 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 10.24 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2248.56 | Yes | Employed |  | No |  | No |  |
| 9770862747 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.563 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10806.39 | N/A | Employed | Retired | No | No | No |  |
| 9776954381 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.337 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5448.36 | Yes | Employed | Employed | No | No | No |  |
| 9789119667 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.993 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2981.87 | N/A | Retired | Retired | No | No | No |  |
| 215072265 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.461 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4658.87 | Yes | Employed |  | No |  | No |  |
| 215136375 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 27162.42 | N/A | Not Employed | Employed | No | No | Yes | Present |
| 9723848777 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.872 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5847.91 | Yes | Employed | Employed | No | No | No |  |
| 9738583781 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7788.29 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 9720759415 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 17221.72 | N/A | Employed |  | No |  | Yes | Present |
| 9738032292 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 9732621991 | XX |  |  | XX | 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 |
| 9725667290 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 9780321163 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 9704437103 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.205 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16784.44 | N/A | Employed |  | No |  | No |  |
| 9718786370 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.993 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 411995.43 | N/A | Employed |  | No |  | No |  |
| 215248758 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.505 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7775.2 | N/A | Employed |  | No |  | No |  |
| 215363458 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.175 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10876.16 | N/A | Employed | Employed | No | No | No |  |
| 9706265361 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.306 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8108.2 | N/A | Employed |  | No |  | No |  |
| 9707207370 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 9.269 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11028.07 | N/A | Employed |  | No |  | No |  |
| 9731613312 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.475 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16675.53 | N/A | Employed |  | No |  | No |  |
| 215285321 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 17063.18 | N/A | Employed | Employed | No | No | Yes | Present |
| 9742274435 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.839 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35750.09 | N/A | Employed |  | No |  | No |  |
| 215150848 | XX |  |  | XX | 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 |
| 9716619334 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.551 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2919.74 | Yes | Employed |  | No |  | No |  |
| 9723143906 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.99 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8042.27 | N/A | Employed | Retired | No | No | No |  |
| 9769712333 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.432 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11165.51 | N/A | Employed | Employed | No | No | No |  |
| 9789903474 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 89587.12 | N/A | Employed |  | No |  | No |  |
| 9719266398 | XX |  |  | XX | 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 |
| 9724811337 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 9725056957 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 9727011356 | XX |  |  | XX | 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 |
| 9750061732 | XX |  |  | XX | 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 |
| 9751166506 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 9757020145 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 9759423701 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 9761361360 | XX |  |  | XX | 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 |
| 9775644942 | XX |  |  | XX | 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 |
| 9717215694 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 215101601 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.993 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 60047.37 | Yes | Employed |  | No |  | No |  |
| 9724918355 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.501 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24746.77 | N/A | Employed |  | No |  | No |  |
| 9785502072 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.513 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6381.78 | N/A | Employed |  | No |  | No |  |
| 215215146 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.702 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21006.07 | N/A | Not Employed | Retired | No | No | No |  |
| 9713888544 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.664 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11712.19 | N/A | Employed |  | No |  | No |  |
| 9719892383 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.264 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31032.72 | N/A | Employed |  | No |  | No |  |
| 9727458979 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.711 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6366.28 | Yes | Employed |  | No |  | No |  |
| 9727603087 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 42215.85 | N/A | Employed |  | No |  | Yes | Present |
| 9728005308 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.996 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 66632.7 | N/A | Employed |  | No |  | No |  |
| 9739281492 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.168 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6372.58 | Yes | Employed | Employed | No | No | No |  |
| 9740090387 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.2 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3683.58 | Yes | Not Employed | Not Employed | No | No | No |  |
| 9746503656 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.475 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17661.43 | N/A | Employed | Employed | No | No | No |  |
| 9751398893 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 29926.76 | N/A | Employed |  | No |  | Yes | Present |
| 9757459251 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 9.33 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2693.86 | N/A | Employed |  | No |  | No |  |
| 9765226395 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.462 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19682.68 | N/A | Employed |  | No |  | No |  |
| 9773888012 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 9.911 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5405.56 | N/A | Employed |  | No |  | No |  |
| 9784144546 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.136 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4092.61 | N/A | Employed |  | No |  | No |  |
| 9786339615 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 9.394 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32634.15 | N/A | Employed | Employed | No | No | No |  |
| 9793562092 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 8.586 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10371.29 | N/A | Employed | Employed | No | No | No |  |
| 9776844582 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No |  | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 9758499777 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 9772270576 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 9784336845 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 9716018081 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 9755647246 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 9762293554 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 9748820827 | XX |  |  | XX | 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 |
| 9757589974 | XX |  |  | XX | 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 |
| 9786412982 | XX |  |  | XX | 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 |
| 9759576243 | XX |  |  | XX | 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 |
| 9705217801 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.203 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28958.25 | N/A | Employed |  | No |  | No |  |
| 9763444990 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 9.89 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32974.33 | N/A | Employed | Not Employed | No | No | No |  |
| 9723507449 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.65 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4284.18 | N/A | Employed |  | No |  | No |  |
| 215232125 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.327 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 0 | N/A | Not Employed | Not Employed | No | No | No |  |
| 215260555 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.073 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17394.78 | N/A | Employed |  | No |  | No |  |
| 215267600 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.301 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3940.81 | N/A | Not Employed |  | No |  | No |  |
| 9705726488 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 78098.99 | N/A | Employed | Retired | No | No | Yes | Present |
| 9720070045 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.383 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14164.4 | N/A | Employed |  | No |  | No |  |
| 9722965101 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 25174.88 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 9746450684 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.894 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2486.07 | N/A | Employed |  | No |  | No |  |
| 9747031988 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.457 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 49320.66 | N/A | Employed |  | No |  | No |  |
| 9753979906 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.321 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17314.84 | N/A | Employed | Employed | No | No | No |  |
| 9783483754 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.356 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10503.36 | N/A | Employed |  | No |  | No |  |
| 9787671032 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.282 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5121.74 | N/A | Employed | Employed | No | No | No |  |
| 9793380230 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.773 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17820.26 | N/A | Employed |  | No |  | No |  |
| 9793987778 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.988 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23047.94 | N/A | Employed | Retired | No | No | No |  |
| 9797257574 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.509 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15769.38 | N/A | Employed |  | No |  | No |  |
| 9718246979 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.977 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5551.57 | N/A | Employed |  | No |  | No |  |
| 9723830874 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.817 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19652.07 | N/A | Employed |  | No |  | No |  |
| 9730723963 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.296 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22781.48 | N/A | Employed |  | No |  | No |  |
| 9742781181 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | Yes | No | No | No | No | Not Tested | 0 | 9.939 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 188834.34 | N/A | Retired | Employed | No | No | No |  |
| 215225020 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 9.534 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39135.53 | N/A | Employed | Employed | No | No | No |  |
| 9735769979 | XX |  |  | XX | 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 |
| 9747783067 | XX |  |  | XX | 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 |
| 9766826243 | XX |  |  | XX | 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 |
| 9746643049 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 9753966176 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 9761129395 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 9772663218 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 215255761 | XX |  |  | XX | 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 |
| 9722088565 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 9723797396 | XX |  |  | XX | 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 |
| 9737539610 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 9743238306 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 9749621471 | XX |  |  | XX | 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 |
| 9752691197 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 9754236579 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 9759416093 | XX |  |  | XX | 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 |
| 9761485946 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 9764870128 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 9772899200 | XX |  |  | XX | 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 |
| 9791946537 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 215184425 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 9718337943 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 9755178804 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 9792288202 | XX |  |  | XX | 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 |
| 9717078274 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | 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 99.6

**Exhibit 99.6 Schedule 6**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 215135773 | XX |  |  | XX | CLTV | propertyValuationPage | 77.92 | 0.78 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 215148180 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit value based on documents located in the loan file. |
| 215148180 | XX |  |  | XX | CLTV | propertyValuationPage | 79.67 | 0.8 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9733151113 | XX |  |  | XX | Loan Purpose | the1003Page | Refinance | Seasoned Refinance | Audit Value Pulled From Final 1003. |
| 9733151113 | XX |  |  | XX | CLTV | propertyValuationPage | 26.47 | 0.26 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 9704448829 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 9721644640 | XX |  |  | XX | Loan Purpose | the1003Page | Refinance | Other | Audit Value Pulled From Final 1003. |
| 9721644640 | XX |  |  | XX | CLTV | propertyValuationPage | 52.08 | 0.52 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9763122513 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003.<br>|
| 9763122513 | XX |  |  | XX | CLTV | propertyValuationPage | 73.44 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9764890514 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 9764890514 | XX |  |  | XX | CLTV | propertyValuationPage | 79.33 | 0.8 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9767935696 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003.<br>|
| 9767935696 | XX |  |  | XX | CLTV | propertyValuationPage | 74.77 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9769275034 | XX |  |  | XX | CLTV | propertyValuationPage | 88.9 | 0.9 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9770862747 | XX |  |  | XX | Property Type | propertyValuationPage | Condominium | 14075 | Audit value pulled from documents located in the loan file. |
| 9770862747 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit value pulled from documents located in the loan file. |
| 9770862747 | XX |  |  | XX | CLTV | propertyValuationPage | 79.98 | 0.8 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9776954381 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 9776954381 | XX |  |  | XX | CLTV | propertyValuationPage | 77.33 | 0.8 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9789119667 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit value pulled from documents located in the loan file. |
| 215072265 | XX |  |  | XX | Loan Purpose | the1003Page | Refinance | Other | Audit value pulled from documents located in the loan file. |
| 215072265 | XX |  |  | XX | CLTV | propertyValuationPage | 70.78 | 0.71 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 215136375 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 215136375 | XX |  |  | XX | CLTV | propertyValuationPage | 68.63 | 0.69 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9723848777 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit value pulled from documents located in the loan file. |
| 9738583781 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit value pulled from documents located in the loan file. |
| 9738583781 | XX |  |  | XX | Property Type | propertyValuationPage | Condominium | 32080 | Audit Value Pulled From Appraisal. |
| 9738583781 | XX |  |  | XX | CLTV | propertyValuationPage | 68.89 | 0.7 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 9720759415 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit value pulled from documents located in the loan file. |
| 9738032292 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled from Final 1003 |
| 9738032292 | XX |  |  | XX | CLTV | propertyValuationPage | 79.38 | 0.8 | <br> Audit value of 1st lien/Qualifying value |
| 9732621991 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled from Final 1003 |
| 9732621991 | XX |  |  | XX | CLTV | propertyValuationPage | 67.48 | 0.7 | <br> Audit value of 1st lien/Qualifying value |
| 9725667290 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 9725667290 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 9725667290 | XX |  |  | XX | CLTV | propertyValuationPage | 79.46 | 0.8 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 9780321163 | XX |  |  | XX | Loan Purpose | the1003Page | Refinance | Other | Audit value based on documents located in the loan file. |
| 9780321163 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value based on documents located in the loan file. |
| 9704437103 | XX |  |  | XX | CLTV | propertyValuationPage | 76.1 | 0.76 | rounding |
| 9718786370 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 9718786370 | XX |  |  | XX | CLTV | propertyValuationPage | 62.2 | 0.8 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 215248758 | XX |  |  | XX | Loan Type | the1003Page | Conventional | 0 | Audit value pulled from documents available in loan file |
| 215363458 | XX |  |  | XX | Loan Type | the1003Page | Conventional | 0 | Audit Value Pulled From 1008. |
| 215363458 | XX |  |  | XX | CLTV | propertyValuationPage | 84.11 | 0.85 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9706265361 | XX |  |  | XX | Loan Type | the1003Page | Conventional | 1 | Audit value based on lender qualifying requirements. |
| 9706265361 | XX |  |  | XX | CLTV | propertyValuationPage | 68.39 | 0.8 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 215150848 | XX |  |  | XX | Loan Amount | notePage | XX | XX | Audit Value Pulled from Note |
| 215150848 | XX |  |  | XX | CLTV | propertyValuationPage | 67.61 | 0.72 | Audit value of 1st lien/qualifying value |
| 9716619334 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 9716619334 | XX |  |  | XX | CLTV | propertyValuationPage | 77.52 | 0.8 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9723143906 | XX |  |  | XX | Loan Type | the1003Page | Conventional | 1 | Audit Value Pulled From 1008. |
| 9723143906 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 9723143906 | XX |  |  | XX | CLTV | propertyValuationPage | 72.77 | 0.74 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9769712333 | XX |  |  | XX | Loan Type | the1003Page | Conventional | 1 | Audit Value Pulled From 1008. |
| 9769712333 | XX |  |  | XX | Property Address | notePage | XX | XX | Audit Value Pulled From Note. |
| 9769712333 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 9769712333 | XX |  |  | XX | CLTV | propertyValuationPage | 65.19 | 0.8 | Audit Value of 1st + 2nd lien / Qualifying Value.<br>|
| 9789903474 | XX |  |  | XX | Loan Type | the1003Page | Conventional | 1 | Audit Value Pulled From 1008. |
| 9789903474 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 9789903474 | XX |  |  | XX | Property Address | notePage | XX | XX | Audit Value Pulled From Note. |
| 9719266398 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 0 | Audit Value Pulled From 1008. |
| 9719266398 | XX |  |  | XX | CLTV | propertyValuationPage | 63.33 | 0.63 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 9724811337 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 1 | Audit Value Pulled From 1008. |
| 9725056957 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 1 | Audit Value Pulled From 1008. |
| 9725056957 | XX |  |  | XX | CLTV | propertyValuationPage | 49.66 | 0.5 | Audit value pulled from documents located in the loan file. |
| 9727011356 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 1 | Audit Value Pulled From 1008. |
| 9727011356 | XX |  |  | XX | CLTV | propertyValuationPage | 72.03 | 0.72 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 9750061732 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 0 | Audit Value Pulled From 1008. |
| 9750061732 | XX |  |  | XX | CLTV | propertyValuationPage | 61.09 | 0.61 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9751166506 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 1 | Audit Value Pulled From 1008. |
| 9751166506 | XX |  |  | XX | CLTV | propertyValuationPage | 79.7 | 0.8 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9757020145 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 1 | Audit Value Pulled From 1008. |
| 9757020145 | XX |  |  | XX | CLTV | propertyValuationPage | 79.17 | 0.79 | Audit value pulled from documents located in the loan file. |
| 9759423701 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 1 | Audit Value Pulled From 1008. |
| 9759423701 | XX |  |  | XX | CLTV | propertyValuationPage | 79.01 | 0.8 | Audit value pulled from documents located in the loan file. |
| 9761361360 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 1 | Audit Value Pulled From 1008. |
| 9761361360 | XX |  |  | XX | CLTV | propertyValuationPage | 78.95 | 0.8 | Audit value pulled from documents located in the loan file. |
| 9775644942 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 1 | Audit value pulled from documents located in the loan file. |
| 9775644942 | XX |  |  | XX | CLTV | propertyValuationPage | 78.97 | 0.79 | Audit value pulled from documents located in the loan file. |
| 9717215694 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 0 | Audit Value Pulled From 1008. |
| 215101601 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 215101601 | XX |  |  | XX | CLTV | propertyValuationPage | 84.99 | 0.85 | rounding |
| 9724918355 | XX |  |  | XX | CLTV | propertyValuationPage | 79.29 | 0.8 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 215215146 | XX |  |  | XX | CLTV | propertyValuationPage | 78.31 | 0.8 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 9713888544 | XX |  |  | XX | CLTV | propertyValuationPage | 73.63 | 0.8 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 9719892383 | XX |  |  | XX | CLTV | propertyValuationPage | 71.48 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9727458979 | XX |  |  | XX | CLTV | propertyValuationPage | 28.68 | 0.29 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 9727603087 | XX |  |  | XX | CLTV | propertyValuationPage | 83.33 | 0.83 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9739281492 | XX |  |  | XX | CLTV | propertyValuationPage | 79.61 | 0.8 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 9740090387 | XX |  |  | XX | CLTV | propertyValuationPage | 50 | 0.51 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 9746503656 | XX |  |  | XX | CLTV | propertyValuationPage | 42.86 | 0.43 | Audit Value Pulled From Appraisal. |
| 9751398893 | XX |  |  | XX | CLTV | propertyValuationPage | 67.54 | 0.7 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9757459251 | XX |  |  | XX | CLTV | propertyValuationPage | 77.26 | 0.8 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9765226395 | XX |  |  | XX | CLTV | propertyValuationPage | 73.53 | 0.79 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9773888012 | XX |  |  | XX | CLTV | propertyValuationPage | 86.38 | 0.9 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9784144546 | XX |  |  | XX | CLTV | propertyValuationPage | 31.25 | 0.31 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9786339615 | XX |  |  | XX | CLTV | propertyValuationPage | 78.37 | 0.8 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 9776844582 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 9776844582 | XX |  |  | XX | CLTV | propertyValuationPage | 71.48 | 0.75 | Audit value pulled from documents located in the loan file. |
| 9772270576 | XX |  |  | XX | CLTV | propertyValuationPage | 79.4 | 0.8 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 9716018081 | XX |  |  | XX | CLTV | propertyValuationPage | 73.66 | 0.75 | Audit Value pulled from documents located in loan file |
| 9762293554 | XX |  |  | XX | Note Date | notePage | XX | XX | Audit Value Pulled From Note. |
| 9748820827 | XX |  |  | XX | Note Date | notePage | XX | XX | Audit Value Pulled From Note. |
| 9757589974 | XX |  |  | XX | Note Date | notePage | XX | XX | Audit Value Pulled From Note. |
| 9786412982 | XX |  |  | XX | Note Date | notePage | XX | XX | Audit value pulled from Note |
| 9759576243 | XX |  |  | XX | Note Date | notePage | XX | XX | Audit Value Pulled From Note. |
| 9705217801 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit value pulled from documents located in the loan file. |
| 9705217801 | XX |  |  | XX | CLTV | propertyValuationPage | 71.19 | 0.71 | Audit value of 1st + 2nd lien/Qualifying Value |
| 9763444990 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit value pulled from documents located in the loan file. |
| 9763444990 | XX |  |  | XX | CLTV | propertyValuationPage | 88.75 | 0.9 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 215232125 | XX |  |  | XX | Loan Type | the1003Page | Conventional | 0 | Audit Value Pulled From 1008. |
| 215232125 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 215232125 | XX |  |  | XX | CLTV | propertyValuationPage | 51.99 | 0.54 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 215260555 | XX |  |  | XX | Loan Type | the1003Page | Conventional | 0 | Audit Value Pulled From Final 1008. |
| 215260555 | XX |  |  | XX | Loan Purpose | the1003Page | Refinance | Other | Audit Value Pulled From Final 1003. |
| 215267600 | XX |  |  | XX | CLTV | propertyValuationPage | 68.49 | 0.69 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9705726488 | XX |  |  | XX | Loan Type | the1003Page | Conventional | 1 | Audit Value Pulled From 1008. |
| 9705726488 | XX |  |  | XX | CLTV | propertyValuationPage | 58.46 | 0.58 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 9720070045 | XX |  |  | XX | Loan Type | the1003Page | Conventional | 1 | Audit Value Pulled From 1008. |
| 9720070045 | XX |  |  | XX | Loan Purpose | the1003Page | Refinance | Seasoned Refinance | Audit Value Pulled From Final 1003. |
| 9720070045 | XX |  |  | XX | CLTV | propertyValuationPage | 72.93 | 0.73 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 9722965101 | XX |  |  | XX | Loan Type | the1003Page | Conventional | 1 | Audit Value Pulled From 1008. |
| 9722965101 | XX |  |  | XX | Property Address | notePage | XX | XX | Audit Value Pulled From Note. |
| 9722965101 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 9722965101 | XX |  |  | XX | CLTV | propertyValuationPage | 79.49 | 0.8 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9746450684 | XX |  |  | XX | Loan Type | the1003Page | Conventional | 1 | Audit value pulled from 1008. |
| 9746450684 | XX |  |  | XX | CLTV | propertyValuationPage | 71.09 | 0.71 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9747031988 | XX |  |  | XX | Loan Type | the1003Page | Conventional | 0 | Audit Value Pulled From 1008. |
| 9747031988 | XX |  |  | XX | Loan Purpose | the1003Page | Refinance | Seasoned Refinance | Audit Value Pulled From Final 1003. |
| 9753979906 | XX |  |  | XX | Loan Type | the1003Page | Conventional | 0 | Audit Value Pulled From 1008. |
| 9753979906 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 9753979906 | XX |  |  | XX | Property Address | notePage | XX | XX | Audit Value Pulled From Note. |
| 9753979906 | XX |  |  | XX | CLTV | propertyValuationPage | 73.56 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 9783483754 | XX |  |  | XX | Loan Type | the1003Page | Conventional | 1 | Audit Value Pulled From 1008. |
| 9783483754 | XX |  |  | XX | Property Address | notePage | XX | XX | Audit Value Pulled From Note. |
| 9783483754 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 9783483754 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 9787671032 | XX |  |  | XX | Loan Type | the1003Page | Conventional | 1 | Audit Value Pulled From 1008. |
| 9787671032 | XX |  |  | XX | Property Address | notePage | XX | XX | Audit Value Pulled From Note. |
| 9787671032 | XX |  |  | XX | CLTV | propertyValuationPage | 74 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9793380230 | XX |  |  | XX | Loan Type | the1003Page | Conventional | 1 | Audit Value Pulled From 1008. |
| 9793380230 | XX |  |  | XX | Property Address | notePage | XX | XX | Audit Value Pulled From Note. |
| 9793380230 | XX |  |  | XX | CLTV | propertyValuationPage | 69.66 | 0.7 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9793987778 | XX |  |  | XX | Loan Type | the1003Page | Conventional | 0 | Audit Value Pulled From 1008. |
| 9793987778 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 9793987778 | XX |  |  | XX | Property Address | notePage | XX | XX | Audit Value Pulled From Note. |
| 9797257574 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | <br> Audit Value Pulled From Final 1003. |
| 9797257574 | XX |  |  | XX | Property Address | notePage | XX | XX | Audit value pulled from Note |
| 9797257574 | XX |  |  | XX | CLTV | propertyValuationPage | 89.43 | 0.9 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9718246979 | XX |  |  | XX | Loan Type | the1003Page | Conventional | 1 | Audit Value Pulled From 1008. |
| 9718246979 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 9723830874 | XX |  |  | XX | Loan Type | the1003Page | Conventional | 1 | Audit Value Pulled From 1008. |
| 9723830874 | XX |  |  | XX | Loan Purpose | the1003Page | Refinance | Seasoned Refinance | Audit Value Pulled From Final 1003. |
| 9730723963 | XX |  |  | XX | Loan Type | the1003Page | Conventional | 1 | Audit Value Pulled From 1008. |
| 9730723963 | XX |  |  | XX | CLTV | propertyValuationPage | 75.08 | 0.8 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9742781181 | XX |  |  | XX | Loan Type | the1003Page | Conventional | 1 | Audit value pulled from 1008. |
| 9742781181 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003.<br>|
| 215225020 | XX |  |  | XX | Loan Type | the1003Page | Conventional | 0 | Audit Value Pulled From 1008. |
| 215225020 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 215225020 | XX |  |  | XX | CLTV | propertyValuationPage | 89.99 | 0.9 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9735769979 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled from Final 1003 |
| 9735769979 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled from Appraisal |
| 9735769979 | XX |  |  | XX | CLTV | propertyValuationPage | 78.13 | 0.85 | <br> Audit value of 1st lien/Qualifying value |
| 9747783067 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 9747783067 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 9747783067 | XX |  |  | XX | CLTV | propertyValuationPage | 78.13 | 0.85 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9766826243 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit value pulled form final 1003 |
| 9766826243 | XX |  |  | XX | CLTV | propertyValuationPage | 70.48 | 0.75 | <br> Audit value of 1st lien/Qualifying value |
| 9746643049 | XX |  |  | XX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 9746643049 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit value pulled from documents located in the loan file. |
| 9746643049 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 9753966176 | XX |  |  | XX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 9753966176 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 9753966176 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 9753966176 | XX |  |  | XX | CLTV | propertyValuationPage | 84.26 | 0.85 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 9761129395 | XX |  |  | XX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 9761129395 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 9761129395 | XX |  |  | XX | CLTV | propertyValuationPage | 78.92 | 0.8 | Audit value of 1st + 2nd lien / Qualifying Value. |
| 9772663218 | XX |  |  | XX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 9772663218 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 9772663218 | XX |  |  | XX | CLTV | propertyValuationPage | 72.4 | 0.8 | Audit value of 1st + 2nd lien / Qualifying Value. |
| 215255761 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 0 | Audit Value Pulled From 1008. |
| 215255761 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 215255761 | XX |  |  | XX | CLTV | propertyValuationPage | 72.73 | 0.8 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 9722088565 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 1 | Audit Value Pulled From 1008. |
| 9722088565 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From 1008. |
| 9722088565 | XX |  |  | XX | CLTV | propertyValuationPage | 74.64 | 0.75 | Audit value of 1st + 2nd lien / Qualifying Value. |
| 9723797396 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 1 | Audit Value Pulled From 1008. |
| 9723797396 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 9723797396 | XX |  |  | XX | CLTV | propertyValuationPage | 74.73 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9737539610 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 1 | Audit value pulled from documents located in the loan file. |
| 9737539610 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit value pulled from documents located in the loan file. |
| 9737539610 | XX |  |  | XX | CLTV | propertyValuationPage | 77.6 | 0.8 | Audit Value pulled from Qualifying Value. |
| 9743238306 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 1 | Audit Value Pulled From 1008. |
| 9743238306 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 9743238306 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 9743238306 | XX |  |  | XX | CLTV | propertyValuationPage | 78.83 | 0.85 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 9749621471 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 1 | Audit value pulled from documents located in the loan file. |
| 9749621471 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit value pulled from documents located in the loan file. |
| 9749621471 | XX |  |  | XX | CLTV | propertyValuationPage | 73.66 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 9752691197 | XX |  |  | XX | Loan Type | the1008Page | DSCR | 0 | Audit Value Pulled From 1008. |
| 9752691197 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 9752691197 | XX |  |  | XX | Property Address | notePage | XX | XX | Audit Value Pulled From Note. |
| 9752691197 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 9754236579 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 1 | <br> Audit Value Pulled from documents located in loan file |
| 9754236579 | XX |  |  | XX | Property Address | notePage | XX | XX | <br> Audit Value Pulled from Note |
| 9754236579 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | <br> Audit Value Pulled from Appraisal |
| 9754236579 | XX |  |  | XX | CLTV | propertyValuationPage | 68.87 | 0.69 | <br> Audit value of 1st lien/Qualifying value |
| 9759416093 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 1 | Audit Value Pulled From 1008. |
| 9759416093 | XX |  |  | XX | Property Address | notePage | XX | XX | Audit Value Pulled From Note. |
| 9759416093 | XX |  |  | XX | Loan Purpose | the1003Page | Refinance | Other | Audit Value Pulled From Final 1003. |
| 9759416093 | XX |  |  | XX | CLTV | propertyValuationPage | 66.67 | 0.67 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 9761485946 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 1 | Audit Value Pulled from documents located in loan file |
| 9761485946 | XX |  |  | XX | Property Address | notePage | XX | XX | Audit Value Pulled from Note |
| 9761485946 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled from documents located in loan file |
| 9772899200 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 1 | Audit Value Pulled From 1008. |
| 9772899200 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 9772899200 | XX |  |  | XX | Property Address | notePage | XX | XX | Audit Value Pulled From Note. |
| 9772899200 | XX |  |  | XX | CLTV | propertyValuationPage | 74.99 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 9791946537 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 1 | Audit value pulled from documents located in the loan file. |
| 9791946537 | XX |  |  | XX | Property Address | notePage | XX | XX | Audit Value Pulled From Note. |
| 9791946537 | XX |  |  | XX | Loan Purpose | the1003Page | Refinance | Other | Audit value pulled from documents located in the loan file. |
| 215184425 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 0 | Audit Value Pulled From 1008. |
| 215184425 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 215184425 | XX |  |  | XX | CLTV | propertyValuationPage | 81.73 | 0.85 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 9718337943 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 1 | Audit Value Pulled From 1008. |
| 9718337943 | XX |  |  | XX | Loan Purpose | the1003Page | Refinance | Other | Audit Value Pulled From Final 1003. |
| 9755178804 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 0 | Audit Value Pulled From 1008. |
| 9755178804 | XX |  |  | XX | Property Address | notePage | XX | XX | Audit Value Pulled From Note. |
| 9755178804 | XX |  |  | XX | Loan Purpose | the1003Page | Refinance | Other | Audit Value Pulled From Final 1003. |
| 9792288202 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 1 | Audit Value Pulled From 1008. |
| 9792288202 | XX |  |  | XX | Property Address | notePage | XX | XX | Audit Value Pulled From Note. |
| 9792288202 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 9792288202 | XX |  |  | XX | CLTV | propertyValuationPage | 79.06 | 0.8 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9717078274 | XX |  |  | XX | Loan Type | the1003Page | DSCR | 0 | Audit Value Pulled From 1008. |
| 9717078274 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 9717078274 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 9717078274 | XX |  |  | XX | CLTV | propertyValuationPage | 71.69 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value" |

---

## Exhibit 99.7

**Exhibit 99.7**

![](ex99-7_001.jpg)

**Selene Diligence LLC ("Selene") Due <br> Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Rithm Capital Corp. ("Client"). The review was conducted between December 2024 and April 2025, via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 14 ATR-QM Exempt loans and 17 Non-QM loans for a total of 31 loans the "Final Securitization Population").

*<u>Credit Reviews (31):</u>*

During the Review, Selene performed a credit review on 31 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (31)</u>*

During the Review, Selene performed a compliance review, when applicable on 31 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (31):</u>*

During the Review, Selene performed a property valuation review on 31 mortgage loans in the Final Securitization

Population.

*<u>Data Integrity Review (31):</u>*

During the Review, Selene performed a Data Integrity Review on 31 mortgage loans in the Final Securitization

Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 31 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;31 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;31 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;31 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;31 | &nbsp;&nbsp;100% |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3) Determination of the sample size and computation.**

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, S&P Global Ratings ("S&P") and Kroll Bond Rating Agency ("Kroll"), (the "NRSRO(s)").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(4) Quality or integrity of information or data about the assets: review and methodology.**

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Kind Lending Non-Agency Program Guidelines, ACC Mortgage Underwriting Guidelines, LoanStream One Guide (the "Guidelines").

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Page **2** of **15**

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A and B, attached hereto).

&nbsp;&nbsp;**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assessed whether the characteristics of the mortgage loans
and the borrowers conformed to the Guidelines cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed asset statements to determine whether funds to
close and reserves were within the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that
credit scores (FICO) and credit histories were within the Guidelines.

&nbsp;&nbsp;**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

&nbsp;&nbsp;**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment** 

Selene reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

&nbsp;&nbsp;&nbsp;&nbsp;• **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

Page **3** of **15**

&nbsp;&nbsp;**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape data received
from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape data is uploaded
into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan Reviewer
collects validated loan data;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Each received
data point is compared to its counterpart collected data point; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Discrepancies
found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 31 mortgage loans, (ii) a Compliance Review on 31 mortgage loans (iii) a Valuation Review on 31 mortgage loans, and (iv) a Data Integrity Review on 31 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 31 mortgage loans; 27 mortgage loans had a rating grade of A, 4 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | |  | &nbsp;&nbsp; ****<br> ****<br> ***Grades per loan (31 overall loans):***<br> **** | &nbsp;&nbsp; ****<br> ****<br> ***Grades per loan (31 overall loans):***<br> **** | &nbsp;&nbsp; ****<br> ****<br> ***Grades per loan (31 overall loans):***<br> **** |  |  |
| | | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;6.45% | &nbsp;&nbsp;A | &nbsp;&nbsp;27 | &nbsp;&nbsp;27 | &nbsp;&nbsp;87.10% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.23% | &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;12.90% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;22.58% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;21 | &nbsp;&nbsp;21 | &nbsp;&nbsp;67.74% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **15**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** |  |
| | | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;31 | &nbsp;&nbsp;31 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;27 | &nbsp;&nbsp;27 | &nbsp;&nbsp;87.10% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;12.90% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  |  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;31 | &nbsp;&nbsp;31 | &nbsp;&nbsp;100.00% |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

*Disclaimer:* Please be advised that Selene did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with all applicable laws and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Selene are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Selene is relying in reaching such findings.

Page **5** of **15**

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

Page **6** of **15**

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture
 the monthly consumer debt payments for use in the debt to income and/or residual income calculation,
 as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note
 the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather
 data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most
 recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most
 recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number
 of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit
 Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal
 or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay
 stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2
 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial
 statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award
 letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank
 statements

Page **7** of **15**

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository
 account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock
 or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement
 statement or other evidence of conveyance and transfer of funds if a sale of assets was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify
 that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For
 condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm
 that the flood cert is for the correct borrower, property, lender and loan number and is
 a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For
 properties is in a flood zone per the flood cert, confirm that flood insurance in the file
 meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm
 that the mortgagee clause lists the lender's name and "its successors and assigns";
 and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm
 that the premium amount on both the hazard and flood insurance match what was used in the
 DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed for any name variations for the borrowers and confirm that the variations have been addressed
in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed for any social security number variations for the borrowers and confirm that the variations have
been addressed in the loan file;

Page **8** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed for any potential occupancy issues based on the borrowers' address history and confirm
that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed for any employment issues and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed for any additional consumers associated with the borrowers' profiles and confirm the materiality
and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate, and
consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan file;
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been recorded
or have been sent for recording.

Page **9** of **15**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

**1.** **Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

v) failure to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19):</u> 

i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;

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.

Page **10** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, Selene 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, Selene'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;&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership counseling in connection with a mortgage loan to a first time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the terms of the 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;&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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.

**2.** **Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7):</u> 

i) confirm the presence of the current GFE form in effect at the time of origination; <br> 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 <br> v) confirm the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8):</u> 

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;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7):</u> 

i) review changes disclosed on the last GFE provided to the borrower(s) to determine that such changes were within the allowed tolerances;

ii) confirm 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.

Page **11** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

i) confirm the presence of the Servicing Disclosure Statement form in the 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;

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; and

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application.

**3.** **Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

v) confirm if the file indicates a fee was imposed, other than for a credit report, prior to borrower receiving LE and indicating an intent to proceed with the transaction;

vi) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

vii) 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;

viii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

ix) confirm borrower received LE not later than four (4) business days prior to consummation; and

x) confirm LE was not provided to the borrower on or after the date of the CD.

Page **12** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who are discussing a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG industry group proposal.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

i) confirm the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application

**4.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) the general Ability to Repay ("ATR") underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); and

&nbsp;&nbsp;&nbsp;&nbsp;c) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

Page **13** of **15**

<u>General Ability to Repay</u>

Selene reviewed the applicable mortgage loans to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Selene reviewed the mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Selene does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

**5.** **The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:** 

a) Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):

&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.

**6.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;** 

Page **14** of **15**

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The individuals performing the aforementioned original appraisal assessment are
not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily
licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute "appraisal
reviews" for purposes of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding
that Selene may have reviewed valuation information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene is not an 'AMC' (appraisal management company)
and therefore Selene does not opine on the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations,
and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene
 does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **15** of **15**

## Exhibit 99.7

**Exhibit 99.7 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 400095916 | XX |  |  | XX | XX | XX | XX | XX | XX | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 11-12-2024 |
| 400098372 | XX |  |  | XX | XX | XX | XX | XX | XX | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 02-20-2025 |
| 400098330 | XX |  |  | XX | XX |  | XX | XX | XX | 1004 URAR | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-17-2025 | Eligible |  |  |
| 400098350 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | 73.89 | 73.89 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |  |
| 400098332 | XX |  |  | XX | XX |  | XX | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400098360 | XX |  |  | XX | XX |  | XX | XX | XX | 1004 URAR | XX | XX | XX | 52.94 | 52.94 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-13-2025 |
| 400100979 | XX |  |  | XX | XX | XX | XX | XX | XX | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-12-2025 | Eligible |  |  |
| 400098339 | XX |  |  | XX | XX | XX | XX | XX | XX | 1004 URAR | XX | XX | XX | 40.83 | 40.83 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 02-25-2025 |
| 400100992 | XX |  |  | XX | XX | XX | XX | XX | XX | 1004 URAR | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-07-2025 |
| 400098351 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-03-2025 |
| 400101006 | XX |  |  | XX | XX |  | XX | XX | XX | 1004 URAR | XX | XX | XX | 68.3 | 68.3 | XX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-06-2025 | Eligible |  |  |
| 400098312 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-04-2025 |
| 400098323 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400101003 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-07-2025 |
| 400100997 | XX |  |  | XX | XX | XX | XX | XX | XX | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-06-2025 |
| 400101002 | XX |  |  | XX | XX |  | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400100985 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | 65.55 | 65.55 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-07-2025 |
| 400100972 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | 53.22 | 53.22 | XX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-14-2025 | Eligible |  |  |
| 400100991 | XX |  |  | XX | XX | XX | XX | XX | XX | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-14-2025 | Eligible |  |  |
| 400100976 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 03-14-2025 |
| 400098315 | XX |  |  | XX | XX |  | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400101005 | XX |  |  | XX | XX |  | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | 79.43 | 79.43 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 03-03-2025 |
| 400100994 | XX |  |  | XX | XX |  | XX | XX | XX | 1004 URAR | XX | XX | XX | 73.71 | 73.71 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-20-2025 |
| 400100988 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-05-2025 |
| 400100993 | XX |  |  | XX | XX |  | XX | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400100987 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400100973 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-12-2025 | Eligible |  |  |
| 400104433 | XX |  |  | XX | XX |  | XX | XX | XX | 1004 URAR | XX | XX | XX | 64.93 | 64.93 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | XX | XX | .0377 | XX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 | 03-04-2025 |
| 400104449 | XX |  |  | XX | XX | XX | XX | XX | XX | 1004 URAR | XX | XX | XX | 75.0 | 75.0 | XX | -95000.0 | -.0848 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0848 | XX | Reasonable | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 | 03-25-2025 |
| 400100986 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | 56.18 | 56.18 | XX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-12-2025 | Eligible |  |  |
| 400104464 | XX |  |  | XX | XX |  | XX | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | No Score Noted | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  | 03-18-2025 |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** |
| 400095916 | XX |  |  | XX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400098372 | XX |  |  | XX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400098330 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400098350 | XX |  |  | XX | C | C | C | C | C | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 400098332 | XX |  |  | XX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400098360 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400100979 | XX |  |  | XX | D | D | D | D | D | D | D | D | D | D | C | C | C | C | C | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400098339 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400100992 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 400098351 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400101006 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400098312 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400098323 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400101003 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400100997 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400101002 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400100985 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | C | C | C | C | C | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 400100972 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400100991 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 400100976 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400098315 | XX |  |  | XX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400101005 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400100994 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400100988 | XX |  |  | XX | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400100993 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400100987 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400100973 | XX |  |  | XX | C | C | C | C | C | D | D | D | D | D | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400104433 | XX |  |  | XX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400104449 | XX |  |  | XX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400100986 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400104464 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **LoanRecordID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| 400098350 | XX | XX |  |  | XX | LoanStream - DSCR | Debt Service Coverage Ratio | Present | Yes | 1600 | 1700 | Appraisal - 1007 |  | N/A |  |  | 1600 | Actual In Place Rent | No | 89.39 | 1.119 | 1.119 | 1430.23 | 1600 | 07-04-2025 | 5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16500 |  | 0 |  | 1600 |  |  |  |  |  |  | No | No | 0.6 | 1 | 1 | N/A | 59.92 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX |
| 400098332 | XX | XX |  |  | XX | XX - DSCR | Debt Service Coverage Ratio | Present | Yes | 3200 | 3300 | Appraisal - 1025 |  | N/A |  |  | 3200 | Actual In Place Rent | No | 87.7 | 1.17 | 1.14 | 2806.48 | 1500 | 04-30-2025 | 1 | 1700 | 02-28-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38900 |  | XX |  | 3200 |  |  |  |  |  |  | No | No | 2.3 | 1 | 1 | N/A | 37.29 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX |
| 400100979 | XX | XX |  |  | XX | A+ | 12 Month Bank Statement | Present | Yes | 900 | 4240 | Appraisal - 1007 |  | N/A |  |  | 4240 | Appraisal - 1007 | No | 110.39 | 0 | 0 | 4680.73 | 900 | 03-01-2025 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XX |  | 4240 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 8.9 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |  |  |
| 400098339 | XX | XX |  |  | XX | A+ | 1099 Verified | Present | No - Vacant | 0 |  | N/A |  | N/A |  |  |  | Actual In Place Rent | No |  | 0 | 0 | 2771.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XX |  | 0 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 192.52 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 400100992 | XX | XX |  |  | XX | XX - DSCR | Debt Service Coverage Ratio | Present | No | 0 | 2125 | Appraisal - 1007 |  | N/A |  |  | 2125 | Appraisal - 1007 | No | 90.39 | 1.11 | 1.106 | 1920.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38000 |  | XX |  | 2125 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 17.21 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 400101002 | XX | XX |  |  | XX | XX - DSCR | Debt Service Coverage Ratio | Present | Yes | 4956 | 6400 | Appraisal - 1025 |  | N/A |  |  | 6400 | Appraisal - 1025 | No | 73.74 | 1.35 | 1.356 | 4719.41 | 1206 | 08-01-2021 | 12 | 850 | 07-31-2014 | 12 | 1400 | 09-30-2022 | 12 | 1500 | 10-06-2023 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 46800 |  | 0 |  | 6400 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 67.99 | No |  |  | Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 400100985 | XX | XX |  |  | XX | XX - DSCR | Debt Service Coverage Ratio | Present | Yes | 2800 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 93.86 | 1.01 | 1.065 | 2064.91 | 2800 | 02-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12000 |  |  |  | 2200 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 92.64 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX |
| 400100976 | XX | XX |  |  | XX | B | 12 Month Bank Statement | Present | No | 0 | 3100 | Appraisal - 1007 |  | N/A |  |  | 3100 | Appraisal - 1007 | No | 113.88 | 0 | 0 | 3530.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45000 |  | 0 |  | 3100 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 122.51 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 400098315 | XX | XX |  |  | XX | XX - DSCR | Debt Service Coverage Ratio | Present | Yes | 8000 | 8200 | Appraisal - 1025 |  | N/A |  |  | 8000 | Actual In Place Rent | No | 89.48 | 1.118 | 1.118 | 7158.3 | 2000 | 03-14-2025 | 1 | 2000 | 03-14-2025 | 1 | 2000 | 03-14-2025 | 1 | 2000 | 03-14-2025 | 1 |  |  |  |  |  |  |  |  |  |  | Yes | 102563 |  |  |  | 8000 |  |  |  |  |  |  | No | No | 6.9 | 1 | 1 | N/A | 100.52 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX |
| 400100988 | XX | XX |  |  | XX | XX - DSCR | Debt Service Coverage Ratio | Present | Yes | 5000 | 5000 | Appraisal - 1007 |  | N/A |  |  | 5000 | Appraisal - 1007 | No | 91.32 | 1.095 | 1.095 | 4566.09 | 5000 | 08-31-2025 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 60000 |  |  |  | 5000 |  |  |  |  |  |  | No | No | 15.4 | 1 | 1 | N/A | 111.71 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |  |  |
| 400100993 | XX | XX |  |  | XX | XX - DSCR | Debt Service Coverage Ratio | Present | Yes | 11600 | 10950 | Appraisal - 1025 |  | N/A |  |  | 10950 | Appraisal - 1025 | No | 78.99 | 1.26 | 1.266 | 8649.34 | 3500 | 03-31-2026 | 12 | 2800 | 02-28-2027 | 24 | 2800 | 02-28-2026 | 12 | 2500 | 03-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 61800 |  | XX |  | 10950 |  |  |  |  |  |  | No | No | 0.5 | 1 | 1 | N/A | 3.67 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX |
| 400100987 | XX | XX |  |  | XX | XX - DSCR | Debt Service Coverage Ratio | Present | No | 0 | 3800 | Appraisal - 1025 |  | N/A |  |  | 3800 | Appraisal - 1025 | No | 88.12 | 1.13 | 1.135 | 3348.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38800 |  |  |  | 3800 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 3.61 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX |
| 400104464 | XX | XX |  |  | XX | xx - DSCR | Debt Service Coverage Ratio | Present | Yes | 7084 | 8500 | Appraisal - 1025 |  | N/A |  |  | 7084 | Actual In Place Rent | No | 86.4 | 1.157 | 1.157 | 6120.48 | 1560 | 03-26-2025 | 1 | 3990 | 03-26-2025 | 1 | 1534 | 03-26-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 104800 |  | XX |  | 7084 |  |  |  |  |  |  | No | No | 1.8 | 1 | 1 | N/A | 22.15 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| 400095916 | XX | XX |  |  | Closed | 2024-12-26 19:55 | 2025-01-13 12:10 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form Received - Due Diligence Vendor-01/13/2025 <br>Ready for Review-Document Uploaded. - Seller-01/09/2025 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-12/26/2024 | Ready for Review-Document Uploaded. - Seller-01/09/2025<br>| Resolved-E-Sign Consent Form Received - Due Diligence Vendor-01/13/2025<br>| XX |  |  | AZ | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400095916 | XX | XX |  |  | Closed | 2024-12-27 14:24 | 2024-12-27 14:24 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.19%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 616-617 and the Final Closing disclosure on Pg#'s 390 reflects escrows. Rate lock date was entered correctly – see Pg#'s 702 An interior and exterior appraisal was completed for this property – see pg 74-105 , the appraisal disclosure was provided to the borrower(s)- see Pg#'808 -810 , and copy of the appraisal was given to the borrower – see Pg#'s 493, 684 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/27/2024 |  | Resolved-The loan's (9.19%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 616-617 and the Final Closing disclosure on Pg#'s 390 reflects escrows. Rate lock date was entered correctly – see Pg#'s 702 An interior and exterior appraisal was completed for this property – see pg 74-105 , the appraisal disclosure was provided to the borrower(s)- see Pg#'808 -810 , and copy of the appraisal was given to the borrower – see Pg#'s 493, 684 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/27/2024<br>|  |  |  | AZ | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400098372 | XX | XX |  |  | Closed | 2025-03-14 08:24 | 2025-03-31 06:37 | Resolved | 1 - Information C A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report Provided.<br> - Due Diligence Vendor-03/31/2025 <br>Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-03/28/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Provide Gap credit report for Borrower 2 as it is missing in file - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-03/28/2025<br>| Resolved-Borrower 2 Gap Credit Report Provided.<br> - Due Diligence Vendor-03/31/2025 <br>Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/31/2025<br>| XX |  |  | OK | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400098372 | XX | XX |  |  | Closed | 2025-03-14 08:24 | 2025-03-31 06:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report Provided.<br> - Due Diligence Vendor-03/31/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-03/28/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide Gap credit report for Borrower 1 as it is missing in file - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-03/28/2025<br>| Resolved-Borrower 1 Gap Credit Report Provided.<br> - Due Diligence Vendor-03/31/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/31/2025<br>| XX |  |  | OK | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400098372 | XX | XX |  |  | Closed | 2025-03-14 09:12 | 2025-03-27 10:19 | Resolved | 1 - Information C A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-Updated Borrower 2 Photo Identification document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/27/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/27/2025 <br>Ready for Review-Document Uploaded. Driver License - Seller-03/26/2025 <br>Open-Borrower 2 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Provided updated Driving License for Borrower 2 as the provided one on page 365,367 Driving License is expired on 01/31/2025. - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. Driver License - Seller-03/26/2025<br>| Resolved-Updated Borrower 2 Photo Identification document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/27/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/27/2025<br>| XX |  |  | OK | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400098372 | XX | XX |  |  | Closed | 2025-03-14 10:00 | 2025-03-21 14:03 | Resolved | 1 - Information C A | Compliance | Predatory:DocType | Oklahoma - Documentation Warning (HPML) | Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #395,397 and the Final Closing disclosure on Pg #223, Finding reflects escrows. Rate lock date was entered correctly – see Pg #212,399. An interior and exterior appraisal was completed for this property – see Pg #44, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #42,43,262. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. Compliance Response: This loan closed with an income analysis completed to show how the underwriter calculated the borrower's income, see attached. Assets were verified and the loan closed with an appraisal, which meets the requirements to close a loan that is an HPML. Ratios are 14/23. Based on the documentation in the file the lender did determine that the borrowers can repay this loan. - Seller-03/19/2025 <br> Open-This is an Oklahoma Higher-Priced Mortgage Loan. A lender must determine a borrower's repayment ability, using the borrower's current and expected income, employment, assets other than the collateral, current obligations, and mortgage-related obligations. The methodology and standards set forth in 12 CFR 1026.34(a)(4) as incorporated by the Oklahoma Admin Code, should be applied to determine a lender's compliance with this requirement. (Okla. Admin. Code 160:45-9-4(a)(4)(B)) Borrower is qualifying using Bank statements income he is sole owner of XXX and verified assets of $20062.91 from the statement page 77. This is an Oklahoma Higher-Priced Mortgage Loan. A lender must determine a borrower's repayment ability, using the borrower's current and expected income, employment, assets other than the collateral, current obligations, and mortgage-related obligations. The methodology and standards set forth in 12 CFR 1026.34(a)(4) as incorporated by the Oklahoma Admin Code, should be applied to determine a lender's compliance with this requirement. (Okla. Admin. Code 160:45-9-4(a)(4)(B)). - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. Compliance Response: This loan closed with an income analysis completed to show how the underwriter calculated the borrower's income, see attached. Assets were verified and the loan closed with an appraisal, which meets the requirements to close a loan that is an HPML. Ratios are 14/23. Based on the documentation in the file the lender did determine that the borrowers can repay this loan. - Seller-03/19/2025<br>| Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #395,397 and the Final Closing disclosure on Pg #223, Finding reflects escrows. Rate lock date was entered correctly – see Pg #212,399. An interior and exterior appraisal was completed for this property – see Pg #44, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #42,43,262. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/21/2025<br>| XX |  |  | OK | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400098372 | XX | XX |  |  | Closed | 2025-03-14 10:00 | 2025-03-14 10:04 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Oklahoma - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is an Oklahoma Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.68%) equals or exceeds the Oklahoma HPML threshold of (8.35%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.85%). (Okla. Admin. Code 160:45-9-5(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #395,397 and the Final Closing disclosure on Pg #223, Finding reflects escrows. Rate lock date was entered correctly – see Pg #212,399. An interior and exterior appraisal was completed for this property – see Pg #44, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #42,43,262.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/14/2025 |  | Resolved-This is an Oklahoma Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.68%) equals or exceeds the Oklahoma HPML threshold of (8.35%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.85%). (Okla. Admin. Code 160:45-9-5(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #395,397 and the Final Closing disclosure on Pg #223, Finding reflects escrows. Rate lock date was entered correctly – see Pg #212,399. An interior and exterior appraisal was completed for this property – see Pg #44, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #42,43,262.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/14/2025<br>|  |  |  | OK | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400098372 | XX | XX |  |  | Closed | 2025-03-14 10:00 | 2025-03-14 10:03 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.68%) APR equals or exceeds the Federal HPML threshold of (8.35%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #395,397 and the Final Closing disclosure on Pg #223, Finding reflects escrows. Rate lock date was entered correctly – see Pg #212,399. An interior and exterior appraisal was completed for this property – see Pg #44, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #42,43,262.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/14/2025 |  | Resolved-The loan's (8.68%) APR equals or exceeds the Federal HPML threshold of (8.35%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #395,397 and the Final Closing disclosure on Pg #223, Finding reflects escrows. Rate lock date was entered correctly – see Pg #212,399. An interior and exterior appraisal was completed for this property – see Pg #44, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #42,43,262.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/14/2025<br>|  |  |  | OK | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400098330 | XX | XX |  |  | Closed | 2025-03-21 17:09 | 2025-04-04 16:42 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/04/2025 <br> Open-Fraud Report Shows Uncleared Alerts • xx document is missing. The Fraud Report in file shows High, Medium, and Low alerts. But with the missing document, unable to verify if any/all alerts were reviewed & cleared. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/04/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-04/04/2025<br>| XX |  |  | AL | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400098330 | XX | XX |  |  | Closed | 2025-03-20 09:28 | 2025-03-25 16:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report dated 3/24/2025 received. System updated. Resolved. - Due Diligence Vendor-03/25/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-03/25/2025 <br>Open-Borrower 1 Gap Credit Report is Missing • Borrower 1 Gap Credit Report is missing from the loan file. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-03/25/2025<br>| Resolved-Borrower 1 Gap Credit Report dated 3/24/2025 received. System updated. Resolved. - Due Diligence Vendor-03/25/2025<br>| XX |  |  | AL | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400098330 | XX | XX |  |  | Closed | 2025-03-20 09:34 | 2025-03-21 19:59 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-FHLMC UCDP/SSR received with an LCA score of 1.0 and R&W eligible. System updated. Resolved. - Due Diligence Vendor-03/21/2025 <br>Ready for Review-Document Uploaded. XX SSR - Seller-03/21/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. XX SSR - Seller-03/21/2025<br>| Resolved-FHLMC UCDP/SSR received with an LCA score of 1.0 and R&W eligible. System updated. Resolved. - Due Diligence Vendor-03/21/2025<br>| XX |  |  | AL | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400098330 | XX | XX |  |  | Closed | 2025-03-20 10:49 | 2025-04-04 17:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-04/04/2025 <br>Resolved-The loan's (8.789%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'326, and the Final Closing disclosure on Pg#'162, Finding reflects escrows. Rate lock date was entered correctly – see Pg#' 346,336,160. An interior and exterior appraisal was completed for this property – see pg# 35, the appraisal disclosure was provided to the borrower(s)- see Pg#'32,31, and confirmation the appraisal was delivered to the borrower – see Pg#'32,31. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/20/2025 |  | Resolved-. - Due Diligence Vendor-04/04/2025 <br>Resolved-The loan's (8.789%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'326, and the Final Closing disclosure on Pg#'162, Finding reflects escrows. Rate lock date was entered correctly – see Pg#' 346,336,160. An interior and exterior appraisal was completed for this property – see pg# 35, the appraisal disclosure was provided to the borrower(s)- see Pg#'32,31, and confirmation the appraisal was delivered to the borrower – see Pg#'32,31. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/20/2025<br>|  |  |  | AL | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400098350 | XX | XX |  |  | Closed | 2025-03-26 16:58 | 2025-04-23 15:08 | Acknowledged | 2 - Non-Material B | Credit | Credit | Guarantor 1 spouse has not approved transaction | Acknowledged-Spousal Consent not received by guarantor's spouse, when the guarantor's principal residence in a community property state, and the spouse is not a member of the LLC - Due Diligence Vendor-04/09/2025 <br>Ready for Review- - Due Diligence Vendor-04/07/2025 <br>Counter-Compliance Review - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. Compliance Response - Based on the research I found; a Guarantor Spousal consent is required on property that is a Homestead. This transaction is an investment property. I disagree with the condition; this document is not needed - Seller-03/26/2025 <br>Open-Guarantor Spousal consent needed as borrower lives in TX - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. Compliance Response - Based on the research I found; a Guarantor Spousal consent is required on property that is a Homestead. This transaction is an investment property. I disagree with the condition; this document is not needed - Seller-03/26/2025<br>| Acknowledged-Spousal Consent not received by guarantor's spouse, when the guarantor's principal residence in a community property state, and the spouse is not a member of the LLC - Due Diligence Vendor-04/09/2025<br>| XX |  |  | TX | Investment | Refinance | Cash Out - Other | XX | Originator Post-Close | No |
| 400098350 | XX | XX |  |  | Closed | 2025-03-21 03:53 | 2025-03-26 16:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-received letter of Intent to Re-record and corrected page 2 of DOT with box checked for Prepay Rider - resolved - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. Letter of Intent to Re-record and corrected page 2 of DOT with box checked for Prepay Rider - Seller-03/26/2025 <br>Open-The Deed of Trust is Incomplete Provided updated Deed of Trust, as the provided one on page 160 prepayment rider is not checked, prepayment rider is on page 380<br> - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. Letter of Intent to Re-record and corrected page 2 of DOT with box checked for Prepay Rider - Seller-03/26/2025<br>| Resolved-received letter of Intent to Re-record and corrected page 2 of DOT with box checked for Prepay Rider - resolved - Due Diligence Vendor-03/26/2025<br>| XX |  |  | TX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400098332 | XX | XX |  |  | Closed | 2025-03-20 06:56 | 2025-03-28 12:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. Recorded DOT showing Prepay Rider on page 2 and all riders attached - Seller-03/27/2025 <br>Open-The Deed of Trust is Incomplete File has prepayment rider but did not mentioned on Riders section of DOT - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. Recorded DOT showing Prepay Rider on page 2 and all riders attached - Seller-03/27/2025<br>| Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-03/28/2025<br>| XX |  |  | GA | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400098360 | XX | XX |  |  | Closed | 2025-03-24 05:38 | 2025-03-31 18:40 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Audited DTI of 49.77% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/31/2025 <br> Resolved-Corrected 1003 & 1008 received, pointing to several accounts that are paid by the business. Validated. Updated the system. New Lender DTI is 49.96%. New Audit DTI is 49.7670%. Within tolerance. Resolved. <br> Audited DTI of 49.77% is less than or equal to Guideline DTI of 50%. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. Some debts were omitted as they are paid by the business. Updated 1003 and 1008 attached - Seller-03/31/2025 <br> Open-Audited DTI of 58.21% exceeds Guideline DTI of 50% • Audited DTI above 50%, calculated at 58.2140%. Income matches at $28,542.63 and PITIA matches at $4,195.82. Variance comes from a calculation difference in All Other Monthly Payments Used in Qualifying. Per the 1008. the Lender calculated $5,199.00. The audit calculated $12,420.00. Total other expenses, per audit are $5,431 (REO expense for XX, per the credit supplement 2/19/25) + $3,008 (REO expense for 4XX, per the credit report 12/20/24) + $3,981 (other debt per the 12/20/24 credit report = $12,420.00. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Some debts were omitted as they are paid by the business. Updated 1003 and 1008 attached - Seller-03/31/2025<br>| Resolved-Audited DTI of 49.77% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/31/2025 <br>Resolved-Corrected 1003 & 1008 received, pointing to several accounts that are paid by the business. Validated. Updated the system. New Lender DTI is 49.96%. New Audit DTI is 49.7670%. Within tolerance. Resolved. <br> Audited DTI of 49.77% is less than or equal to Guideline DTI of 50%. - Due Diligence Vendor-03/31/2025<br>| XX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400098360 | XX | XX |  |  | Closed | 2025-03-24 14:10 | 2025-03-31 17:52 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Corrected 1003 & 1008 received, pointing to several accounts that are paid by the business. Validated. Updated the system. New Lender DTI is 49.96%. New Audit DTI is 49.7670%. Within tolerance. Resolved. - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. Some debts were omitted as they are paid by the business. Updated 1003 and 1008 attached - Seller-03/31/2025 <br>Open-• Audited DTI is 58.2140%. DTI per the 1008 is 32.920%. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. Some debts were omitted as they are paid by the business. Updated 1003 and 1008 attached - Seller-03/31/2025<br>| Resolved-Corrected 1003 & 1008 received, pointing to several accounts that are paid by the business. Validated. Updated the system. New Lender DTI is 49.96%. New Audit DTI is 49.7670%. Within tolerance. Resolved. - Due Diligence Vendor-03/31/2025<br>| XX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400098360 | XX | XX |  |  | Closed | 2025-03-25 18:17 | 2025-03-31 17:51 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Corrected 1003 & 1008 received, pointing to several accounts that are paid by the business. Validated. Updated the system. New Lender DTI is 49.96%. New Audit DTI is 49.7670%. Within tolerance. Resolved. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. Some debts were omitted as they are paid by the business. Updated 1003 and 1008 attached - Seller-03/31/2025 <br> Open-Audited DTI Exceeds Guideline DTI • Audited DTI above 50%, calculated at 58.2140%. Income matches at $28,542.63 and PITIA matches at $4,195.82. Variance comes from a calculation difference in All Other Monthly Payments Used in Qualifying. Per the 1008. the Lender calculated $5,199.00. The audit calculated $12,420.00. Total other expenses, per audit are $5,431 (REO expense for XX, per the credit supplement 2/19/25) + $3,008 (REO expense for XX per the credit report 12/20/24) + $3,981 (other debt per the 12/20/24 credit report = $12,420.00. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Some debts were omitted as they are paid by the business. Updated 1003 and 1008 attached - Seller-03/31/2025<br>| Resolved-Corrected 1003 & 1008 received, pointing to several accounts that are paid by the business. Validated. Updated the system. New Lender DTI is 49.96%. New Audit DTI is 49.7670%. Within tolerance. Resolved. - Due Diligence Vendor-03/31/2025<br>| XX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400098360 | XX | XX |  |  | Closed | 2025-03-25 18:11 | 2025-03-31 17:40 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/31/2025 <br> Open-Fraud Report Shows Uncleared Alerts •xx document is missing. The Fraud Report in file shows High, Medium, and Low alerts. But with the missing document, unable to verify if any/all alerts were reviewed & cleared. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/31/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/31/2025<br>| XX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400100979 | XX | XX |  |  | Closed | 2025-03-24 08:43 | 2025-04-07 08:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/07/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. Income Worksheet - Seller-04/04/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender Income Calculation Worksheet, Income Lender worksheet is missing in file to verify the exact deposit and expense factor as of now updated $32814 from final 1003 and 1008 - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. Income Worksheet - Seller-04/04/2025<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/07/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-04/07/2025<br>| XX |  |  | CA | Investment | Purchase | NA | XX | N/A | N/A |
| 400100979 | XX | XX |  |  | Closed | 2025-03-24 09:05 | 2025-04-04 10:11 | Resolved | 1 - Information C A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/04/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-04/03/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide Gap credit report as it is missing in file. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/03/2025<br>| Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/04/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/04/2025<br>| XX |  |  | CA | Investment | Purchase | NA | XX | N/A | N/A |
| 400100979 | XX | XX |  |  | Closed | 2025-03-24 09:26 | 2025-03-28 12:46 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Additional assets provided. Resolved - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. 1031 Exchange docs - Seller-03/27/2025 <br>Open-Request to provide wired proof, statement or LOX for the saving account of $129403 as per 1003 final on page #666. no savings account documentation in file. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. 1031 Exchange docs - Seller-03/27/2025<br>| Resolved-Additional assets provided. Resolved - Due Diligence Vendor-03/28/2025<br>| XX |  |  | CA | Investment | Purchase | NA | XX | N/A | N/A |
| 400100979 | XX | XX |  |  | Closed | 2025-03-24 10:28 | 2025-03-28 12:41 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Additional assets provided. Resolved - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. 1031 Exchange docs - Seller-03/27/2025 <br>Open-Qualifying reserve is less than required reserve provide additional assets documentation if any, missing "other assets" documented on final 1003.<br> - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. 1031 Exchange docs - Seller-03/27/2025<br>| Resolved-Additional assets provided. Resolved - Due Diligence Vendor-03/28/2025<br>| XX |  |  | CA | Investment | Purchase | NA | XX | N/A | N/A |
| 400100979 | XX | XX |  |  | Closed | 2025-03-24 08:20 | 2025-03-27 12:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-03/27/2025 <br>Ready for Review-Document Uploaded. Recorded DOT showing no prepay rider - Seller-03/26/2025 <br>Open-The Deed of Trust is Incomplete Provide updated Deed of Trust, as the provided one on page 525 Prepayment rider is checked as per Final CD page 250 no prepayment penalty and no prepayment addendum and prepayment rider in file as its not required - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. Recorded DOT showing no prepay rider - Seller-03/26/2025<br>| Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-03/27/2025<br>| XX |  |  | CA | Investment | Purchase | NA | XX | N/A | N/A |
| 400100979 | XX | XX |  |  | Closed | 2025-03-24 09:12 | 2025-03-27 09:31 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/27/2025 <br>Ready for Review-Document Uploaded. XX SSR - Seller-03/26/2025 <br>Open-For securitization, a second property valuation needs to be provided. File needs a FNMA and/or FHLMC UCDP/SSR report with scores less than 2.5; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. XX SSR - Seller-03/26/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/27/2025<br>| XX |  |  | CA | Investment | Purchase | NA | XX | N/A | N/A |
| 400098339 | XX | XX |  |  | Closed | 2025-03-24 05:26 | 2025-03-28 12:03 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-New Borrower 1 Gap Credit Report dated 3/27/2025 received. System updated & resolved. - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Seller-03/27/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). • Gap Credit report is dated 3/XX/2025. However, the loan did not close until 3/xx/2025, making the gap report 13 days old at the time of closing. Gap report must be 10 days or less. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-03/27/2025<br>| Resolved-New Borrower 1 Gap Credit Report dated 3/27/2025 received. System updated & resolved. - Due Diligence Vendor-03/28/2025<br>| XX |  |  | TX | Investment | Purchase | NA | XX | N/A | N/A |
| 400100992 | XX | XX |  |  | Closed | 2025-03-26 18:05 | 2025-04-10 12:12 | Waived | 2 - Non-Material C B | Credit | Debt | Mortgage history for primary residence less than 12 months | Waived-LTV is 70%. Maximum allowed per guidelines is 90%.<br> Credit Score is 789. Minimum required per guidelines is 740.<br> Borrower(s) have 17.21 months Reserves. Minimum required per guidelines is 0 months.<br>- Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. Exception Approval. We should not need the mortgage statement. We received the bank statements to show the history - Seller-04/09/2025 <br>Counter-We do not have the mortgage amount or a mortgage statement to match to the bank statements for 12 months payment history. also if in spouses name it is not on her credit report. - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. UW Response: we don't need VOR if payments on the mortgage are in JT account with spouse and paid - Seller-03/28/2025 <br>Open-Have Letter of explanation that bwr has lived at primary for 2 years - 12 month payment history required - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. Exception Approval. We should not need the mortgage statement. We received the bank statements to show the history - Seller-04/09/2025 <br> Ready for Review-Document Uploaded. UW Response: we don't need VOR if payments on the mortgage are in xx account with spouse and paid - Seller-03/28/2025 | Waived-LTV is 70%. Maximum allowed per guidelines is 90%.<br> Credit Score is 789. Minimum required per guidelines is 740.<br> Borrower(s) have 17.21 months Reserves. Minimum required per guidelines is 0 months.<br>- Due Diligence Vendor-04/10/2025<br>| XX |  |  | CA | Investment | Purchase | NA | XX | Originator Pre-Close | Yes |
| 400100992 | XX | XX |  |  | Closed | 2025-03-24 05:26 | 2025-03-31 07:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-LOX not required as other person is spouse to borrower. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. UW response: our guides 4.1.2 show we don't need access LOE if JT w spouse - Seller-03/28/2025 <br> Open-provide proof of documentation allowing borrower access to use funds from XX checking account #XX - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. UW response: our guides 4.1.2 show we don't need access LOE if JT w spouse - Seller-03/28/2025<br>| Resolved-LOX not required as other person is spouse to borrower. - Due Diligence Vendor-03/31/2025<br>| XX |  |  | CA | Investment | Purchase | NA | XX | N/A | N/A |
| 400100992 | XX | XX |  |  | Closed | 2025-03-24 05:32 | 2025-03-31 07:13 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-OFAC printout Provided & Provided Fraud report shows All Fraud Report Alerts have been cleared.<br> - Due Diligence Vendor-03/31/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. Updated Drive Report & OFAC printout - Seller-03/28/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud report shows 1 high uncleared alert. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. Updated Drive Report & OFAC printout - Seller-03/28/2025<br>| Resolved-OFAC printout Provided & Provided Fraud report shows All Fraud Report Alerts have been cleared.<br> - Due Diligence Vendor-03/31/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/31/2025<br>| XX |  |  | CA | Investment | Purchase | NA | XX | N/A | N/A |
| 400100992 | XX | XX |  |  | Closed | 2025-03-24 06:10 | 2025-03-31 07:13 | Resolved | 1 - Information C A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/31/2025 <br> Resolved-Updated Driver's license provided. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. Updated DL - Seller-03/28/2025 <br> Open-Borrower Driver's license has an expiration date of 03/05/2025 which is expired prior to Note date of 03/XX/2025. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. Updated DL - Seller-03/28/2025<br>| Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/31/2025 <br>Resolved-Updated Driver's license provided. - Due Diligence Vendor-03/31/2025<br>| XX |  |  | CA | Investment | Purchase | NA | XX | N/A | N/A |
| 400098351 | XX | XX |  |  | Closed | 2025-03-25 03:19 | 2025-04-09 12:06 | Resolved | 1 - Information C A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. Photo ID - Seller-04/08/2025 <br>Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Provide Updated Driver License. Borrower 1 Driver License expired. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Photo ID - Seller-04/08/2025<br>| Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-04/09/2025<br>| XX |  |  | WA | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400098351 | XX | XX |  |  | Closed | 2025-03-26 14:52 | 2025-04-09 11:36 | Resolved | 1 - Information C A | Servicing | Pay History | Pay History Review: Missing Payment History | Resolved-Updated credit page received additional payments for primary - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. Additional Rents - Seller-04/08/2025 <br>Open-Based on guidelines need 24 month pay history for rent. Doc on page 394 is only showing 16 months. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. Additional Rents - Seller-04/08/2025<br>| Resolved-Updated credit page received additional payments for primary - Due Diligence Vendor-04/09/2025<br>| XX |  |  | WA | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400098351 | XX | XX |  |  | Closed | 2025-03-25 02:49 | 2025-04-03 20:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-04/03/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provided Borrower 1 Gap Credit Report. Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/03/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/03/2025<br>| XX |  |  | WA | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400101006 | XX | XX |  |  | Closed | 2025-03-25 12:26 | 2025-03-28 12:32 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (SSR XX Mac) Provided. Resolved - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. XX SSR - Seller-03/27/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. XX SSR - Seller-03/27/2025<br>| Resolved-Secondary Valuation or Additional Valuation (SSR XX) Provided. Resolved - Due Diligence Vendor-03/28/2025 | XX |  |  | CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 400101006 | XX | XX |  |  | Closed | 2025-03-25 12:41 | 2025-03-28 12:30 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Third Party Fraud Report provided with cleared alerts. Resolved - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/27/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud report shows medium and low uncleared alerts. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/27/2025<br>| Resolved-Third Party Fraud Report provided with cleared alerts. Resolved - Due Diligence Vendor-03/28/2025<br>| XX |  |  | CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 400098312 | XX | XX |  |  | Closed | 2025-03-25 11:24 | 2025-03-31 13:54 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-additional paystubs received - resolved - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. Additional Paystubs attached - Seller-03/31/2025 <br>Open-Borrower 1 Paystubs Less Than 1 Month Provided Given paystubs not covering the one month or 3days period, (Borrower receiving weekly but only two weeks paystubs are present in the file) - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Additional Paystubs attached - Seller-03/31/2025<br>| Resolved-additional paystubs received - resolved - Due Diligence Vendor-03/31/2025<br>| XX |  |  | UT | Investment | Purchase | NA | XX | N/A | N/A |
| 400098312 | XX | XX |  |  | Closed | 2025-03-26 14:27 | 2025-03-31 13:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Validation Resolved' - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. Insurance supporting property they live in is free and clear - Seller-03/28/2025 <br>Open-VOR/VOM Doc Status should not be 'Missing'. 12 months housing history required primary residence is not listed on Credit report - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. Insurance supporting property they live in is free and clear - Seller-03/28/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-03/31/2025<br>| XX |  |  | UT | Investment | Purchase | NA | XX | N/A | N/A |
| 400098312 | XX | XX |  |  | Closed | 2025-03-25 13:07 | 2025-03-31 07:03 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Updated 1003 provided - removed XX from assets. Reserve Requirement met. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. Updated 1003 - removed assets - Seller-03/28/2025 <br> Open-01) Business XX) Funds are used - BXX but there is no ownership proof in the file.<br> 02)Non-Borrower is on the joint bank statement provided-XX, however there is no LOE in file granting permission to access the funds. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Updated 1003 - removed assets - Seller-03/28/2025<br>| Resolved-Updated 1003 provided - removed XX from assets. Reserve Requirement met. - Due Diligence Vendor-03/31/2025 | XX |  |  | UT | Investment | Purchase | NA | XX | N/A | N/A |
| 400098312 | XX | XX |  |  | Closed | 2025-03-25 12:07 | 2025-03-28 12:33 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/27/2025 <br>Open-Fraud Report Shows Uncleared Alerts There is one uncleared high alert finding is reflecting. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/27/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/28/2025<br>| XX |  |  | UT | Investment | Purchase | NA | XX | N/A | N/A |
| 400098323 | XX | XX |  |  | Closed | 2025-03-27 14:56 | 2025-04-01 19:34 | Resolved | 1 - Information C A | Credit | Missing Doc | Missing letter of explanation | Resolved-Will be the primary - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. UW lox for occupancy - Seller-04/01/2025 <br>Open-Based on the 1003 this is the primary and borrower has resided there for one month. Based on the photos appears to be vacant. No LOE in file as the borrower purchased in 9/2024 and was sold for 0 dollars based on the appraisal. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. UW lox for occupancy - Seller-04/01/2025<br>| Resolved-Will be the primary - Due Diligence Vendor-04/01/2025<br>| XX |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400098323 | XX | XX |  |  | Closed | 2025-03-25 09:28 | 2025-04-01 19:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Updated credit page. - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-04/01/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/01/2025<br>| Resolved-Updated credit page. - Due Diligence Vendor-04/01/2025<br>| XX |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400098323 | XX | XX |  |  | Closed | 2025-03-25 09:49 | 2025-04-01 05:56 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud Report shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-04/01/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/31/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/31/2025<br>| Resolved-Provided Fraud Report shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-04/01/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/01/2025<br>| XX |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400098323 | XX | XX |  |  | Closed | 2025-03-25 10:48 | 2025-03-25 10:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.441%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'263, and the Final Closing disclosure on Pg#'77, Finding reflects escrows. Rate lock date was entered correctly – see Pg#' 289,279,76. An interior and exterior appraisal was completed for this property – see pg# 33, the appraisal disclosure was provided to the borrower(s)- see Pg#'31,30, and confirmation the appraisal was delivered to the borrower – see Pg#'31,30. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/25/2025 |  | Resolved-The loan's (8.441%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'263, and the Final Closing disclosure on Pg#'77, Finding reflects escrows. Rate lock date was entered correctly – see Pg#' 289,279,76. An interior and exterior appraisal was completed for this property – see pg# 33, the appraisal disclosure was provided to the borrower(s)- see Pg#'31,30, and confirmation the appraisal was delivered to the borrower – see Pg#'31,30. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/25/2025<br>|  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400100997 | XX | XX |  |  | Closed | 2025-03-28 14:19 | 2025-04-03 11:47 | Resolved | 1 - Information C A | Credit | Doc Issue | HOA Fee Difference | Resolved-PCCD received to coincide with the corrected 1003 & 1008. Issue resolved. - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. Updated CD - Seller-04/02/2025 <br> Counter-The PCCD provided still shows $763.53 in the Estimated Taxes, Insurance, & Assessments section. If HOA is $31.25 per month, that amount should be $755.20. - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. PCCD - Seller-04/01/2025 <br> Counter-A corrected 1003 & 1008 was received to show the HOA at $31.25. However, the Final CD still shows $31.25. Page #1 of the CD (Projected Payments section) reflects $723.95 for escrowed Taxes & Insurance; and Estimated Taxes, Insurance, & Assessments is $763.53. That leaves $39.58 for HOA, which is incorrect. That Estimated Taxes, Insurance, & Assessments should be $723.95 (Escrow) + $31.25 HOA = $755.20 total (not $763.53).<br> - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. Updated 1008/1003 - Seller-03/31/2025 <br> Open-HOA Fee difference exsits between validated HOA and documents • Per the 1003/1008, & Final CD, the amount of HOA was $475 annually ($39.58 monthly). Per the 1004 Appraisal, however, HOA dues are $375 annually ($31.25 monthly). Provide either (a) evidence of the $475 HOA dues as there is nothing in file, or (b) a corrected 1003, 1008, and a PCCD to show the HOA as only $375 annual / $31.25 monthly. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Updated CD - Seller-04/02/2025 <br>Ready for Review-Document Uploaded. PCCD - Seller-04/01/2025 <br>Ready for Review-Document Uploaded. Updated 1008/1003 - Seller-03/31/2025<br>| Resolved-PCCD received to coincide with the corrected 1003 & 1008. Issue resolved. - Due Diligence Vendor-04/03/2025<br>| XX |  |  | TX | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400100997 | XX | XX |  |  | Closed | 2025-03-28 14:08 | 2025-03-31 21:09 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/31/2025 <br> Open-Fraud Report Shows Uncleared Alerts • Txx document shows a total of 3 Medium alerts, none of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/31/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/31/2025<br>| XX |  |  | TX | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400101002 | XX | XX |  |  | Closed | 2025-03-27 05:08 | 2025-04-04 18:25 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-after further review, discussion with sup - payouts on title - resolved - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. Settlement Statement showing payoffs - Seller-04/02/2025 <br> Counter-What are the Payoffs for? are they paying a people? please provide payoff statements - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. Escrow statement to show borrower got less than $500k back at closing. - Seller-03/31/2025 <br> Open-Cash Out is not completed according to the guideline requirements Subject LTV is 75% and loan purpose is refinance cash out. Per GL matrix, cash out include debt paid at close should be = 500000. However per final HUD1, cash to close amount is $XXX. - Due Diligence Vendor-03/27/2025</TD | Ready for Review-Document Uploaded. Settlement Statement showing payoffs - Seller-04/02/2025 <br>Ready for Review-Document Uploaded. Escrow statement to show borrower got less than $500k back at closing. - Seller-03/31/2025<br>| Resolved-after further review, discussion with sup - payouts on title - resolved - Due Diligence Vendor-04/04/2025<br>| XX |  |  | CA | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400101002 | XX | XX |  |  | Closed | 2025-03-27 04:26 | 2025-04-01 07:26 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. Title Supp with proposed insured with correct loan amount - Seller-03/31/2025 <br> Open-Title Coverage Amount of $X is Less than Loan Amount Provide title document covering full loan amount as the one on file shows coverage amount less than the loan amount. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. Title Supp with proposed insured with correct loan amount - Seller-03/31/2025<br>| Resolved-Title Coverage Amount of $xx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/01/2025 | XX |  |  | CA | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400101002 | XX | XX |  |  | Closed | 2025-03-27 04:58 | 2025-04-01 07:25 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud Report shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-04/01/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/31/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud report shows 1 uncleared alert. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/31/2025<br>| Resolved-Provided Fraud Report shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-04/01/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/01/2025<br>| XX |  |  | CA | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400100985 | XX | XX |  |  | Closed | 2025-03-31 15:04 | 2025-04-09 15:37 | Acknowledged | 2 - Non-Material B | Credit | Credit | Guarantor 1 spouse has not approved transaction | Acknowledged-Spousal Consent not received by guarantor's spouse, when the guarantor's principal residence in a community property state, and the spouse is not a member of the LLC - Due Diligence Vendor-04/09/2025 <br>Ready for Review- - Due Diligence Vendor-04/07/2025 <br>Counter-internal compliance review - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. Compliance Response: this loan is an investment and spouse signatures are only required on Homestead properties. - Seller-03/31/2025 <br>Open-Guarantor Spousal consent needed as borrower lives in TX - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. Compliance Response: this loan is an investment and spouse signatures are only required on Homestead properties. - Seller-03/31/2025<br>| Acknowledged-Spousal Consent not received by guarantor's spouse, when the guarantor's principal residence in a community property state, and the spouse is not a member of the LLC - Due Diligence Vendor-04/09/2025<br>| XX |  |  | TX | Investment | Refinance | Cash Out - Other | XX | Originator Post-Close | No |
| 400100985 | XX | XX |  |  | Closed | 2025-03-27 06:14 | 2025-04-01 19:31 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-LTV Is in line at 65.55 - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. 1008 – 1003 – Appraised value updated - Seller-04/01/2025 <br> Open-Property value is not matching with Appraisal due to that there is LTV Variance. Appraisal value is as per 1003 and 1008 appraisal value is xx where as actual appraisal value is xx. Per appraisal did not have latest sale date and based on summary sheet in file is a delayed finance. Need confirmation and if the value being used is the sales price from when property was purchased - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. 1008 – 1003 – Appraised value updated - Seller-04/01/2025<br>| Resolved-LTV Is in line at 65.55 - Due Diligence Vendor-04/01/2025<br>| XX |  |  | TX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400100985 | XX | XX |  |  | Closed | 2025-03-27 05:26 | 2025-04-01 19:28 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. 1003 – Assets Removed - Seller-04/01/2025 <br>Open-Asset Record 1 Does Not Meet G/L Requirements, Provide the proof of amount $57,110 it is reflecting in Final 1003 proof of document missing. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. 1003 – Assets Removed - Seller-04/01/2025<br>| Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-04/01/2025<br>| XX |  |  | TX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400100985 | XX | XX |  |  | Closed | 2025-03-31 14:56 | 2025-04-01 19:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-04/01/2025 <br>Resolved-Updated fraud page. - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/01/2025 <br>Open-Third Party Fraud Report Partially Provided Report shows uncleared alert - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/01/2025<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-04/01/2025 <br>Resolved-Updated fraud page. - Due Diligence Vendor-04/01/2025<br>| XX |  |  | TX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400100972 | XX | XX |  |  | Closed | 2025-03-28 05:17 | 2025-04-01 19:56 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud page. - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/01/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared Findings - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/01/2025<br>| Resolved-Updated fraud page. - Due Diligence Vendor-04/01/2025<br>| XX |  |  | CO | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400100972 | XX | XX |  |  | Closed | 2025-03-28 05:01 | 2025-04-01 07:08 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XX Mac provided with score. - Due Diligence Vendor-04/01/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. XX SSR - Seller-03/31/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary Valuation or Additional Valuation is missing in the file - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. XX SSR - Seller-03/31/2025<br>| Resolved-XX provided with score. - Due Diligence Vendor-04/01/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/01/2025 | XX |  |  | CO | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400100991 | XX | XX |  |  | Closed | 2025-03-28 10:35 | 2025-04-16 18:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception available in this finding:<br> "POST CLOSING EXCEPTION: Subject is rural ,approved at 80%, max per guidelines at the time of approval was 70%. - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. Exception Approval - Seller-04/16/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 70% - Due Diligence Vendor-03/31/2025 <br>Open-Audited LTV Exceeds Guideline LTV • Per the Appraisal, Property is located in a Rural area. Per the 2/12/2025 Matrix, the max LTV for a Rural Property is 70%. However, the audited LTV is 80%. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Exception Approval - Seller-04/16/2025<br>| Waived-Exception available in this finding:<br> "POST CLOSING EXCEPTION: Subject is rural ,approved at 80%, max per guidelines at the time of approval was 70%. - Due Diligence Vendor-04/16/2025<br>| XX |  | (1) Number of months reserves of 64.18 exceeds the program guidelines of only 3 months.<br> (2) DTI of 16.09% is below the Maximum DTI of 50% by 33.91%.<br> (3) XXX monthly income. | FL | Primary Residence | Purchase | NA | XX | Originator Post-Close | Yes |
| 400100991 | XX | XX |  |  | Closed | 2025-03-28 09:45 | 2025-04-15 18:03 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Correct 1008 received. Lender DTI now matches audit DTI. - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-04/15/2025 <br>Open-• Audited DTI is 16.09% and Lender DTI is 17.89%. the difference is 1.8%. This is because on the 1008:<br>• (1) Lender considered hazard insurance amount as $296.50 whereas per hazard insurance, final CD, payment letter, & IEAD, it is $254.83.<br> • (2) Lender considered all other monthly payments as $10,949 where as per documentation it is $9,317 (REO1 $168 + REO2 $154 + REO3 $1,632 + Credit Debt $7,363 = $9,317). - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. 1008 - Seller-04/15/2025<br>| Resolved-Correct 1008 received. Lender DTI now matches audit DTI. - Due Diligence Vendor-04/15/2025<br>| XX |  |  | FL | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400100991 | XX | XX |  |  | Closed | 2025-03-28 08:56 | 2025-04-15 18:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. Income Calculation Worksheet - Seller-04/15/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. • Lender income calculation worksheet on page#501 shows qualifying income as $54,319.75. However, per the final 1003 and 1008 the qualifying income was $90,532. The loan is missing either a corrected income calculator, or additional income on top of the $54,319.75 to equal the $90,532 qualifying. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Income Calculation Worksheet - Seller-04/15/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-04/15/2025<br>| XX |  |  | FL | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400100991 | XX | XX |  |  | Closed | 2025-03-31 15:50 | 2025-04-15 17:56 | 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-04/15/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/15/2025 <br> Open-Fraud Report Shows Uncleared Alerts • Txx document is missing. The Fraud Report in file shows High, Medium, and Low alerts. But with the missing document, unable to verify if any/all alerts were reviewed & cleared. - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/15/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/15/2025<br>| XX |  |  | FL | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400100991 | XX | XX |  |  | Closed | 2025-03-28 09:14 | 2025-04-15 17:56 | Resolved | 1 - Information C A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-04/15/2025 <br>Open-Borrower 1 Gap Credit Report is Missing • Provide GAP credit report as it is missing from file. The only credit report provided is the initial report dated 2/11/2025. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/15/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/15/2025<br>| XX |  |  | FL | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400100991 | XX | XX |  |  | Closed | 2025-03-28 09:17 | 2025-03-31 17:36 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-FHLMC UCDP/SSR received with a LCA score of 1.5 and is R&W eligible. - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. XX SSR - Seller-03/31/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. XX SSR - Seller-03/31/2025<br>| Resolved-FHLMC UCDP/SSR received with a LCA score of 1.5 and is R&W eligible. - Due Diligence Vendor-03/31/2025<br>| XX |  |  | FL | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400100991 | XX | XX |  |  | Closed | 2025-03-28 10:22 | 2025-04-16 19:34 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-04/16/2025 <br>Resolved-The loan's (8.494%) APR equals or exceeds the Federal HPML threshold of (8.35%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 435 and the Final Closing disclosure on page # 302-306 reflects escrows. Rate lock date was entered correctly – see page # 455. An interior and exterior appraisal was completed for this property – see page # 37-66 and the appraisal disclosure was provided to the borrower(s)- see page # 34, 35, 36 and confirmation the appraisal was delivered to the borrower – see page # 34, 35, 36. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/28/2025 |  | Resolved-. - Due Diligence Vendor-04/16/2025 <br>Resolved-The loan's (8.494%) APR equals or exceeds the Federal HPML threshold of (8.35%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 435 and the Final Closing disclosure on page # 302-306 reflects escrows. Rate lock date was entered correctly – see page # 455. An interior and exterior appraisal was completed for this property – see page # 37-66 and the appraisal disclosure was provided to the borrower(s)- see page # 34, 35, 36 and confirmation the appraisal was delivered to the borrower – see page # 34, 35, 36. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/28/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400100976 | XX | XX |  |  | Closed | 2025-03-28 10:41 | 2025-04-03 12:49 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable. 1031 Exchange for assets provided. - Due Diligence Vendor-04/03/2025 <br> Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. 1031 Exchange for assets - Seller-04/02/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements We have Proceeds from Sale Funds for borrower amount $XXas per the final 1003 proof of document is missing in file, please provide. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. 1031 Exchange for assets - Seller-04/02/2025<br>| Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable. 1031 Exchange for assets provided. - Due Diligence Vendor-04/03/2025 <br>Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-04/03/2025<br>| XX |  |  | UT | Investment | Purchase | NA | XX | N/A | N/A |
| 400100976 | XX | XX |  |  | Closed | 2025-04-01 00:02 | 2025-04-03 12:45 | Resolved | 1 - Information C A | Credit | Credit | Occupancy Certification; missing or deficient | Resolved-Occupancy cert filled out fully. - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. Occupancy Cert - Seller-04/02/2025 <br>Open-Occupancy certification is not filled out in the highlighted yellow portion on page 451 that say the sections must be filled out for investment properties as well as refinance only section. - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. Occupancy Cert - Seller-04/02/2025<br>| Resolved-Occupancy cert filled out fully. - Due Diligence Vendor-04/03/2025<br>| XX |  |  | UT | Investment | Purchase | NA | XX | N/A | N/A |
| 400098315 | XX | XX |  |  | Closed | 2025-03-31 16:20 | 2025-04-02 12:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Updated final Hud and REspa page. - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. Certified stamped final HUD1 - Seller-04/01/2025 <br> Open-Based on 1008 borrower to receive XXX hud in file is showing over XXX. Need stamped and certified final hud - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. Certified stamped final HUD1 - Seller-04/01/2025<br>| Resolved-Updated final Hud and REspa page. - Due Diligence Vendor-04/02/2025<br>| XX |  |  | NJ | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400101005 | XX | XX |  |  | Closed | 2025-03-29 07:37 | 2025-04-02 20:19 | 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-04/02/2025 <br>Ready for Review-Document Uploaded. Updated Fraud Report - Seller-04/02/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-03/29/2025 | Ready for Review-Document Uploaded. Updated Fraud Report - Seller-04/02/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/02/2025<br>| XX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400100994 | XX | XX |  |  | Closed | 2025-03-31 12:25 | 2025-04-03 17:58 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 4.43 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-04/03/2025 <br> Resolved-February 2025 Bank Statement received. This statement has sufficient reserves to meet guidelines. Income was also recalculated on basis of the new bank statement. All info updated within the system. Audited Reserves of 4.43 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s). DTI still qualifies. Resolved. - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. Updated business bank statement, 1008 & income calculations - Seller-04/03/2025 <br> Open-• Per the 2/12/2025 Matrix for reserves: "All occupancies: <= 80%, 3 Mos." This loan has a 73.71% LTV, so three months reserves are required. Reserves = $2,591.30 x 3 months = $7,773.45. Assets found in file are $977.96 (xx business account) + $5,999.41 (cash out = $6,977.37. Reserves are short by $796.08. - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. Updated business bank statement, 1008 & income calculations - Seller-04/03/2025<br>| Resolved-Audited Reserves of 4.43 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-04/03/2025 <br>Resolved-February 2025 Bank Statement received. This statement has sufficient reserves to meet guidelines. Income was also recalculated on basis of the new bank statement. All info updated within the system. Audited Reserves of 4.43 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s). DTI still qualifies. Resolved. - Due Diligence Vendor-04/03/2025<br>| XX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400100994 | XX | XX |  |  | Closed | 2025-03-31 06:15 | 2025-04-01 19:16 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/01/2025 <br> Open-Fraud Report Shows Uncleared Alerts • xx document shows a total of 9 High alerts, only 8 of which were cleared; and 4 Medium alerts, none of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/01/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-04/01/2025<br>| XX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400100994 | XX | XX |  |  | Closed | 2025-03-31 07:13 | 2025-04-03 17:59 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-04/03/2025 <br>Resolved-The loan's (8.897%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'310, and the Final Closing disclosure on Pg#'158, Finding reflects escrows. Rate lock date was entered correctly – see Pg#' 331,316,128. An interior and exterior appraisal was completed for this property – see pg# 39, the appraisal disclosure was provided to the borrower(s)- see Pg#'37,36, and confirmation the appraisal was delivered to the borrower – see Pg#'37,36. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/31/2025 |  | Resolved-. - Due Diligence Vendor-04/03/2025 <br>Resolved-The loan's (8.897%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'310, and the Final Closing disclosure on Pg#'158, Finding reflects escrows. Rate lock date was entered correctly – see Pg#' 331,316,128. An interior and exterior appraisal was completed for this property – see pg# 39, the appraisal disclosure was provided to the borrower(s)- see Pg#'37,36, and confirmation the appraisal was delivered to the borrower – see Pg#'37,36. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/31/2025<br>|  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400100988 | XX | XX |  |  | Closed | 2025-04-01 14:40 | 2025-04-04 12:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. Final HUD1 signed by settlement agent - Seller-04/03/2025 <br>Open-Final HUD-1 Document is Missing. Missing payoff amount to HUD need the stamped and certified final Hud - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. Final HUD1 signed by settlement agent - Seller-04/03/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-04/04/2025<br>| XX |  |  | OR | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400100988 | XX | XX |  |  | Closed | 2025-03-28 16:52 | 2025-04-04 10:29 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Supplemental Report uploaded, Title Coverage Amount of $521500 is equal to Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-04/04/2025 <br> Resolved-Title Coverage Amount of $xx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. Title Supp for correct loan amount - Seller-04/03/2025 <br> Open-Title Coverage Amount of $XX is Less than Loan Amount Provide title document covering full loan m=amount as the one on file has coverage amount less than the loan amount. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Title Supp for correct loan amount - Seller-04/03/2025<br>| Resolved-Title Supplemental Report uploaded, Title Coverage Amount of $XX is equal to Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-04/04/2025 <br> Resolved-Title Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/04/2025 | XX |  |  | OR | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400100988 | XX | XX |  |  | Closed | 2025-03-28 17:26 | 2025-04-03 12:35 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Updated DFL page and employment page. DSCR is in line. - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. DSCR calculations - Seller-04/02/2025 <br>Open-Audited DSCR is 1.095, which is based off the rent $5,000 / PITIA of $4,566.09 ($3,736.09 P&I + $750 Taxes + $80 Hazard Insurance + $0.00 Flood Insurance). Lender DSCR is 1.08. The difference in the DSCR calculation is 0.015.<br>Provide Lender DSCR worksheet as it is missing from file, hence unable to validate lender calculations. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. DSCR calculations - Seller-04/02/2025<br>| Resolved-Updated DFL page and employment page. DSCR is in line. - Due Diligence Vendor-04/03/2025<br>| XX |  |  | OR | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400100988 | XX | XX |  |  | Closed | 2025-03-28 16:42 | 2025-04-03 12:30 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-04/02/2025 <br>Open-The 1008 document is missing from the loan file. provide 1008 document as it is missing from file. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. 1008 - Seller-04/02/2025<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/03/2025<br>| XX |  |  | OR | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400100993 | XX | XX |  |  | Closed | 2025-04-01 15:45 | 2025-04-11 12:19 | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-received correct EIN letter - resolved - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. XX - EIN doc - Seller-04/10/2025 <br> Counter-EIN Letter uploaded is not for XX - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. EIN - Seller-04/07/2025 <br> Counter-W-9 uploaded is same as in file, 5th digit not legible - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. W-9 with EIN - Seller-04/03/2025 <br> Open-Please provide Business Entity EIN. w-9 illegible - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. xx - EIN doc - Seller-04/10/2025 <br> Ready for Review-Document Uploaded. EIN - Seller-04/07/2025 <br> Ready for Review-Document Uploaded. W-9 with EIN - Seller-04/03/2025 | Resolved-received correct EIN letter - resolved - Due Diligence Vendor-04/11/2025<br>| XX |  |  | NJ | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400100993 | XX | XX |  |  | Closed | 2025-03-31 12:54 | 2025-04-08 12:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-received VOR - resolved - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. VOR - Seller-04/07/2025 <br>Counter-Snippet of mortgage from a credit report does not connect to bwr 2. VOR or 12 months payment history required - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. VOM - Seller-04/03/2025 <br>Open-VOR/VOM Doc Status should not be 'Missing'. Borrower #2 is renting at their primary residence, provide VOR for 12 months rent history. - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. VOR - Seller-04/07/2025 <br>Ready for Review-Document Uploaded. VOM - Seller-04/03/2025<br>| Resolved-received VOR - resolved - Due Diligence Vendor-04/08/2025<br>| XX |  |  | NJ | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400100993 | XX | XX |  |  | Closed | 2025-03-31 13:19 | 2025-04-04 10:45 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/04/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/03/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud report shows medium nd low uncleared alerts. Provide fraud report with all cleared alerts. - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/03/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/04/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/04/2025<br>| XX |  |  | NJ | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400100993 | XX | XX |  |  | Closed | 2025-03-31 13:12 | 2025-04-04 10:45 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Updated Final 1003 with Asset removed uploaded, Loan is qualified with Cash-Out Refinance , Verified & entered in system - Resolved - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. Updated 1003 - Seller-04/03/2025 <br> Open-Provide proof of documentation for asset XX stock account, XX stock account andXX checking account as they are missing from file. - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. Updated 1003 - Seller-04/03/2025<br>| Resolved-Updated Final 1003 with Asset removed uploaded, Loan is qualified with Cash-Out Refinance , Verified & entered in system - Resolved - Due Diligence Vendor-04/04/2025<br>| XX |  |  | NJ | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400100987 | XX | XX |  |  | Closed | 2025-04-02 05:00 | 2025-04-11 17:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-LOE provided. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. LOE - Seller-04/11/2025 <br> Open-Non-Guarantor is on the joint bank statement provided (XX), however there is not a LOE in file granting permission to access the funds.<br> - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. LOE - Seller-04/11/2025<br>| Resolved-LOE provided. - Due Diligence Vendor-04/11/2025<br>| XX |  |  | NJ | Investment | Purchase | NA | XX | N/A | N/A |
| 400100973 | XX | XX |  |  | Closed | 2025-04-02 07:26 | 2025-04-07 19:55 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Loan Disclosures Assumption incomplete or inaccurate | Resolved-Complete Final CD provided. Resolved. - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. Final CD - Seller-04/07/2025 <br>Open-In final CD, Borrower not answered to the assumption flag. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. Final CD - Seller-04/07/2025<br>| Resolved-Complete Final CD provided. Resolved. - Due Diligence Vendor-04/07/2025<br>| XX |  |  | TX | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400100973 | XX | XX |  |  | Closed | 2025-04-02 08:06 | 2025-04-07 19:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated 1003 provided. Resolved. - Due Diligence Vendor-04/07/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. Updated 1003 - Seller-04/07/2025 <br> Open-The Final 1003 is Incomplete As per final 1003, REO property "XX" reflecting as pending for sale but 1008 included into DTI, if it's not closed required updated 1003 with correct occupied status, if closed required updated 1008 and credit supplement for closing proof. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. Updated 1003 - Seller-04/07/2025<br>| Resolved-Updated 1003 provided. Resolved. - Due Diligence Vendor-04/07/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-04/07/2025<br>| XX |  |  | TX | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400100973 | XX | XX |  |  | Closed | 2025-04-02 06:46 | 2025-04-07 19:54 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved- - Due Diligence Vendor-04/07/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. XX SSR - Seller-04/07/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary Valuation or Additional Valuation report is missing from file. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. XX SSR - Seller-04/07/2025<br>| Resolved-<br> - Due Diligence Vendor-04/07/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/07/2025<br>| XX |  |  | TX | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400100973 | XX | XX |  |  | Closed | 2025-04-02 07:13 | 2025-04-07 19:42 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Mortgage Statement/Payoff Statement provide. Resolved. - Due Diligence Vendor-04/07/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/07/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows uncleared alerts. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/07/2025<br>| Resolved-Mortgage Statement/Payoff Statement provide. Resolved. - Due Diligence Vendor-04/07/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/07/2025<br>| XX |  |  | TX | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400104433 | XX | XX |  |  | Closed | 2025-04-03 18:00 | 2025-04-10 19:11 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed Disclosure provided. - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. - Seller-04/08/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Missing Intent to Proceed document. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025<br>| Resolved-Intent to Proceed Disclosure provided. - Due Diligence Vendor-04/10/2025<br>| XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 400104433 | XX | XX |  |  | Closed | 2025-04-03 16:19 | 2025-04-10 19:04 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. - Seller-04/08/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower living in property xx departing property) with active mortgage verified in credit report page#317 with months reviewed 7 months. Provide 12 months housing history per G/L's. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/10/2025<br>| XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 400104433 | XX | XX |  |  | Closed | 2025-04-03 15:24 | 2025-04-09 10:32 | Resolved | 1 - Information C A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/09/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. - Seller-04/08/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender Income Calculation worksheet for Borrower1. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/09/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-04/09/2025<br>| XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 400104433 | XX | XX |  |  | Closed | 2025-04-03 15:16 | 2025-04-08 10:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/08/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. - Seller-04/07/2025 <br>Open-Missing Third Party Fraud Report Provide Missing Third Party Fraud Report - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/08/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/08/2025<br>| XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 400104449 | XX | XX |  |  | Closed | 2025-04-07 12:52 | 2025-04-21 13:19 | Resolved | 1 - Information C A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. - Seller-04/17/2025 <br> Counter-Nothing was attached. The Final 1003 is Incomplete Provide Updated 1003 with borrower 2nd job - XXis missing % of ownership. And missing negative cash flow being referenced on investment property. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. - Seller-04/10/2025 <br> Open-The Final 1003 is Incomplete Provide Updated 1003 with borrower 2nd job - XX is missing % of ownership. And missing negative cash flow being referenced on investment property. - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. - Seller-04/17/2025 <br>Ready for Review-Document Uploaded. - Seller-04/10/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-04/21/2025<br>| XX |  |  | FL | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400104449 | XX | XX |  |  | Closed | 2025-04-09 12:17 | 2025-04-09 12:37 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved, COC referenced. - Due Diligence Vendor-04/09/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-04/09/2025 |  | Resolved-Resolved, COC referenced. - Due Diligence Vendor-04/09/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400104449 | XX | XX |  |  | Closed | 2025-04-02 05:45 | 2025-04-09 12:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE received. - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. - Seller-04/07/2025 <br>Open-Initial Loan Estimate is missing. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-Initial LE received. - Due Diligence Vendor-04/09/2025<br>| XX |  |  | FL | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 400100986 | XX | XX |  |  | Closed | 2025-04-03 04:10 | 2025-04-09 11:36 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/09/2025 <br> Resolved-Title Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. Final Title Policy - Seller-04/08/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount • Title Coverage amount not given on the Preliminary Title; it should be equal to the loan amount of $XX - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. Final Title Policy - Seller-04/08/2025<br>| Resolved-Final Title Policy uploaded, Title Coverage Amount of $XX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/09/2025 <br> Resolved-Title Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/09/2025 | XX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400100986 | XX | XX |  |  | Closed | 2025-04-03 05:04 | 2025-04-08 18:49 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/08/2025 <br> Open-Fraud Report Shows Uncleared Alerts • xx document shows a total of 2 Medium alerts, none of which were cleared; and 1 Low Alert, none of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/08/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-04/08/2025<br>| XX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400100986 | XX | XX |  |  | Closed | 2025-04-03 19:06 | 2025-04-08 18:48 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document has been corrected. - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-04/08/2025 <br>Open-1008 Document is Missing • The Taxes & Insurance on the 1008 do not match the Final CD. Per the 1008, Taxes & Insurance were $454.30 & $186.92, respectively. Per the Final CD (escrowed), Taxes & Insurance were $181.67 & $195.67, respectively. The 1008 is incorrect. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. 1008 - Seller-04/08/2025<br>| Resolved-The 1008 document has been corrected. - Due Diligence Vendor-04/08/2025<br>| XX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 400100986 | XX | XX |  |  | Closed | 2025-04-03 04:49 | 2025-04-07 19:45 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-FHLMC UCDP/SSR received with an LCA score of 1.0. System updated. Resolved. - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. FredXXdie SSR - Seller-04/07/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. XX SSR - Seller-04/07/2025<br>| Resolved-FHLMC UCDP/SSR received with an LCA score of 1.0. System updated. Resolved. - Due Diligence Vendor-04/07/2025<br>| XX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 5**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 400095916 | XX |  |  | XX | Application Date | complianceDetailPage | XX | XX | Application date confirmed from application 1039. |
| 400098330 | XX |  |  | XX | Note Date | notePage | XX | XX | Note date verified from Note document. Tape Data is the Disbursement Date. |
| 400098330 | XX |  |  | XX | Verified Doc Type | employmentIncomePage | 24 Month Bank Statement | ALT DOC | Doctype updated as per loan program and documentation. |
| 400098350 | XX |  |  | XX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | Doctype updated per loan program & documentation. |
| 400098350 | XX |  |  | XX | Calculated DSCR | diligenceFinalLookPage | 1.119 | 1.1 | Our calculated DSCR is Rents of $1,600/ PITIA of $1,430.23 = 1.119 DSCR Tape data showing 1.1 difference is 0.019 |
| 400098332 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | 2-4 Family | Property type confirmed with appraisal report. |
| 400098332 | XX |  |  | XX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | DSCR file income not required. |
| 400098332 | XX |  |  | XX | Calculated DSCR | diligenceFinalLookPage | 1.14 | 1.17 | Tape Considered the highest rent of $3300 from 1025 market rent but Lease rent is $3200. |
| 400098360 | XX |  |  | XX | Note Date | notePage | XX | XX | Note date verified from Note document. Tape value is the Disbursement Date. |
| 400098360 | XX |  |  | XX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated as per loan program and documentation. |
| 400098360 | XX |  |  | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.77 | 32.92 | DTI discrepancy on the loan. Audit DTI is 49.7670%. Initial Lender DTI, per the Tape, is 32.92%. However, a corrected 1008 was received putting the DTI at 49.96%. That is 0.193% variance from the audit DTI; within tolerance. |
| 400100979 | XX |  |  | XX | Note Date | notePage | XX | XX | Note date verified from Note document page 492 |
| 400100979 | XX |  |  | XX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated per loan program & documentation. |
| 400100979 | XX |  |  | XX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4680.73 | 3571.53 | Qualifying Total Housing expenses PITIA is matching with 1008 Tape data not included Taxes and Insurance |
| 400100979 | XX |  |  | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.18 | 48.66 | DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 48.21% but Originator DTI is 48.66%. Variance is 0.45 within tolerance due to the difference in tradelines <br> CC $138 reflecting in final 1003 but in credit report its reflecting $62 updated as per credit report<br> CC $51 reflecting in final 1003 but in credit report its reflecting $48 updated as per credit report |
| 400098339 | XX |  |  | XX | Verified Doc Type | employmentIncomePage | 1099 Verified | ALT DOC | Verified Doc Type considered per loan program & documentation. |
| 400100992 | XX |  |  | XX | Note Date | notePage | XX | XX | Note date updated per Note document on page #585. |
| 400100992 | XX |  |  | XX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | Doc type updated per income qualification method, DSCR was used fr qualification. |
| 400098351 | XX |  |  | XX | Note Date | notePage | XX | XX | Note date considered from Note on page 701. |
| 400098351 | XX |  |  | XX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Verified Doc Type considered per loan program & documentation. |
| 400098351 | XX |  |  | XX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 8163.67 | 5692.92 | Tape data excluding TIA in calculation. |
| 400098351 | XX |  |  | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 19.79 | 19.47 | DTI Variance 0.03 less than 1% tolerance due to monthly property tax discrepancy between 1008 & actual tax cert. |
| 400101006 | XX |  |  | XX | Note Date | notePage | XX | XX | Note date updated per Note document on page #361 |
| 400101006 | XX |  |  | XX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doc type updated per income qualification method,, 12 months bank statements were used for qualfiication. |
| 400098312 | XX |  |  | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | B1 is wage earner and asset depletion fie. |
| 400098312 | XX |  |  | XX | Note Date | notePage | XX | XX | Tape considered disbursement date as note date. |
| 400098312 | XX |  |  | XX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3543.92 | 3266.99 | Escrow waiver file , Tape considered the P&I as monthly payment. |
| 400098323 | XX |  |  | XX | Note Date | notePage | XX | XX | Note date verified from Note document |
| 400098323 | XX |  |  | XX | Verified Doc Type | employmentIncomePage | Business P&L | ALT DOC | Doctype updated as per loan program and documentation. |
| 400101003 | XX |  |  | XX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated as per loan program and documentation. |
| 400101003 | XX |  |  | XX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2950.63 | 2108.75 | Tape Data not included Monthly Property Tax & Homeowner's insurance amounts, However file is No Escrows. |
| 400101003 | XX |  |  | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.02 | 31.25 | DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 31.02% but Tape data DTI is 31.25%. Variance is 0.23 within tolerance. |
| 400100997 | XX |  |  | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type is PUD verified from appraisal pg. #54 and PUD rider is on pg. #337. |
| 400100997 | XX |  |  | XX | Verified Doc Type | employmentIncomePage | 1099 Verified | ALT DOC | Doctype updated as per loan program and documentation. |
| 400100997 | XX |  |  | XX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1873.51 | 1842.26 | Tape Data not included HOA amount and the subject property is PUD. HOA per Appraisal Report is $375/12=$31.25. |
| 400100997 | XX |  |  | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.57 | 43.66 | DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 43.57% but Originator DTI is 43.66%. Variance is 0.09 within tolerance DUE to HOA amount in Appraisal report $31.25\*12=$375 but in 1008 document HOA amount is $39.58 due to that there is a DTI Discrepancy. |
| 400101002 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | 2-4 Family | Property has 4 units per 1003, 1008 and appraisal report. |
| 400101002 | XX |  |  | XX | Note Date | notePage | XX | XX | Note date updated per Note document on page #369. |
| 400101002 | XX |  |  | XX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | Doc type updated per income qualification method, DSCR was used for qualification. |
| 400100985 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 65.55 | 70.00 | Received updated 1008 with correct value LTV is now in line at 65.50 refer to findings |
| 400100985 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 65.55 | 70.00 | Property value is not matching with Appraisal due to that there is LTV Variance. Appraisal value is as per 1003 and 1008 appraisal value is XXwhere as actual appraisal value is XX. |
| 400100985 | XX |  |  | XX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | File is DSCR not required for Income documents. |
| 400100985 | XX |  |  | XX | Calculated DSCR | diligenceFinalLookPage | 1.065 | 1.01 | Correctly calculated DSCR Ratio is Rent amount$2,200/PITIA$2,064.91=1.065 and Originator DSCR is =1.010 Variance is 0.055. |
| 400100972 | XX |  |  | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type confirmed with appraisal report. |
| 400100972 | XX |  |  | XX | Note Date | notePage | XX | XX | Tape considered the disbursement date as note date. |
| 400100972 | XX |  |  | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | SSI, Asset utilization and Retirement incomes are used. |
| 400100972 | XX |  |  | XX | Verified Doc Type | employmentIncomePage | Asset Utilization (DTI) | ALT DOC | SSI, Asset utilization and Retirement incomes are used. |
| 400100972 | XX |  |  | XX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4174.96 | 3065.42 | Escrow waiver file, tape not considered the Tax and insurance amount. |
| 400100991 | XX |  |  | XX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doc type updated per income qualification method, 12 months bank statements were used for qualication. |
| 400100991 | XX |  |  | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 16.09 | 17.89 | Audited DTI is 16.09 and Lender DTI is 17.89. the difference is 1.8. This is because:<br>(1) Lender considered hazard insurance amount as $296.50 whereas per hazrad insurance, final CD, payment letter, IEAD it is $254.83.<br> (2) Lender considered all other monthly payments as $10,949 where as per documentation it is $9,317 (REO $322 + $Monthly Debt $8,995). The difference is $1,632. GAP credit report is missing from file. |
| 400100976 | XX |  |  | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type is PUD verified from appraisal pg. #61 and PUD rider is on pg. #458. |
| 400100976 | XX |  |  | XX | Note Date | notePage | XX | XX | Note date verified from Note document |
| 400100976 | XX |  |  | XX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated as per loan program and documentation. |
| 400100976 | XX |  |  | XX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3530.36 | 3452.37 | Tape Data not included HOA amount and the subject property is PUD. HOA per Appraisal Report is $78. |
| 400100976 | XX |  |  | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.62 | 39.60 | DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 39.62% but Tape data DTI is 36.60%. Variance is 0.02 |
| 400098315 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property type is 2 to 4 Units verified from appraisal pg #34 and 1-4 rider is on pg. #1 |
| 400098315 | XX |  |  | XX | Prepayment Penalty Type | notePage | Hard | 3 | Prepayment Penalty Type updated Correctly. |
| 400098315 | XX |  |  | XX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | File is DSCR not required for Income documents. |
| 400098315 | XX |  |  | XX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 7158.3 | 6061.24 | Qualifying Total Housing Expense PITIA Updated as per 1008 Document. |
| 400098315 | XX |  |  | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 282.19 | Debt to Income Ratio not required for DSCR Program. |
| 400101005 | XX |  |  | XX | Note Date | notePage | XX | XX | Note date verified from Note document |
| 400101005 | XX |  |  | XX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5420.35 | 4060.39 | Tape Data not included Monthly Property Tax & Homeowner's insurance amounts & HOA amount, However file is No Escrows. |
| 400100994 | XX |  |  | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type is PUD verified from appraisal pg. #39 and PUD rider is on pg. #453. |
| 400100994 | XX |  |  | XX | Note Date | notePage | XX | XX | Note date verified from Note document |
| 400100994 | XX |  |  | XX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated as per loan program and documentation. |
| 400100994 | XX |  |  | XX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2591.3 | 2506.15 | Tape Data not included HOA amount and the subject property is PUD. HOA per Appraisal Report is $85.15. |
| 400100994 | XX |  |  | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.57 | 50.00 | Income was revised (increased) from a prior calculation. Tape Data is the DTI with the earlier income calculation; Audited/True Data is the DTI with the updated/revised income. |
| 400100988 | XX |  |  | XX | Prepayment Penalty Type | notePage | Hard | 3 | Prepayment penalty type updated from drop down. tape and true data gives same value. |
| 400100988 | XX |  |  | XX | Note Date | notePage | XX | XX | Note date updated per Note document on page #281. |
| 400100988 | XX |  |  | XX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | Doc type updated per income qualification method, DSCR was used for qualification. |
| 400100988 | XX |  |  | XX | Calculated DSCR | diligenceFinalLookPage | 1.095 | 1.08 | Audited DSCR is 1.095, which is based off the rent $5,000 / PITIA of $4,566.09 ($3,736.09 P&I + $750 Taxes + $80 Hazard Insurance + $0.00 Flood Insurance). Lender DSCR is 1.08. The difference in the DSCR calculation is 0.015. Received DSCR worksheet DSCR is in line at 1.095 |
| 400100993 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property has 4 units per 1003, 1008, appraisal report. |
| 400100993 | XX |  |  | XX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | Doc type updated per income qualification method, DSCR was used for qualfiication. |
| 400100987 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | property type confirmed with appraisal report. |
| 400100987 | XX |  |  | XX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | DSCR file. |
| 400100987 | XX |  |  | XX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3348.41 | 2387.62 | Escrow waiver file, tape not considered the Tax and insurance amount into PITI. |
| 400100987 | XX |  |  | XX | Calculated DSCR | diligenceFinalLookPage | 1.135 | 1.13 | Calculated DSCR is Rent $3800 / PITI$3348.51 = 1.135. |
| 400100973 | XX |  |  | XX | Verified Doc Type | employmentIncomePage | Asset Utilization (DTI) | ALT DOC | Asset depletion files comes under alt Doc category. |
| 400100973 | XX |  |  | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Asset depletion file and borrower not a self-employed. |
| 400104433 | XX |  |  | XX | Occupancy | the1003Page | Primary Residence | OwnerOccupied | Occupancy is Primary Residence confirmed in Final 1003. |
| 400104433 | XX |  |  | XX | Interest Rate | notePage | 7.25 | 0.0000 | Interest Rate is 7.25% per Note document. |
| 400104433 | XX |  |  | XX | Monthly Property Tax Amount | titlePage | 2899.1 | 0.00 | Property Tax Amount per property cert page #643 is $34,789.18 annually. So Monthly Property Tax Amount will be $34,789.18/12 = $2,899.10 |
| 400104433 | XX |  |  | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | XX | XX | Property Insurance Amount per property Insurance document page #399 is $XX. So Total Monthly Property Insurance Amount will be $XX |
| 400104433 | XX |  |  | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.29 | 32.20 | DTI variance due to variance in All other monthly payments $815. |
| 400104449 | XX |  |  | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | Borrower 1 Self-Employment Flag is yes hence updated the same. |
| 400104449 | XX |  |  | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | XX | XX | Total Monthly Property Insurance Amount includes HOI amount and Flood insurance amount. Tape data does not include flood insurance. |
| 400100986 | XX |  |  | XX | Note Date | notePage | XX | XX | Tape considered the disbursement date as note date. |
| 400100986 | XX |  |  | XX | Verified Doc Type | employmentIncomePage | 1099 Verified | ALT DOC | 1099-only was used for income qualification. |
| 400100986 | XX |  |  | XX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2398.51 | 2398.50 | Difference of $0.01 due to rounding. |
| 400104464 | XX |  |  | XX | Application Date | complianceDetailPage | XX | XX | Confirmed the application date from the Initial 1003. |

---

## Exhibit 99.8

**Exhibit 99.8**

![](ex99-8_001.jpg)

**NARRATIVE**

**NRMLT 2025-NQM5**

**By Canopy Financial Technology Partners LLC on September 19, 2025**

Canopy Financial Technology Partners LLC

<u>chweeler@canopytpr.com</u> \| 801-792-2995 \| <u>www.canopytpr.com</u>

Address: 1 Research Court, Suite 450, Rockville, MD 20850

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-8_001.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 Rithm Capital (the "Client") or its affiliated company. The Review was conducted from May to July 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of four (4) loans with an aggregate principal balance of $1,970,337.

**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).

**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 |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-8_001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination BK Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

Canopy reviewed each Loan File to determine the adherence to defined underwriting or credit extension guidelines, standards, criteria or other requirements provided by the Client, including, as applicable, Ability to Repay (ATR) and Qualified Mortgage (QM) requirements. The Credit Qualification review consisted of the following:

**Loan Attributes.** To determine borrower program eligibility, Canopy verified the following loan attributes and, where applicable, re-calculated based on the information provided.

· Assets and Reserves;

· DTI;

· DSCR;

· Gross Income;

· Housing history;

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-8_001.jpg)

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

**Credit Application:** For the Credit Application (1003), Canopy verified whether

· All known borrower-owned properties are disclosed on the REO
Section;

· Borrower(s) employment history ;

· Citizenship and eligibility;

· First time home buyer status ;

· The application was signed by all borrowers; and

· The application was substantially completed.

**Credit History:** Canopy verified:

· A credit report or alternative credit history as applicable
to loan type is present for each borrower;

· Bankruptcy and foreclosure seasoning;

· Capture the monthly consumer debt payments for use in the applicable
DTI calculation;

· Installment and revolving payment history;

· Mortgage/rental payment history;

· Note and research the Real Estate Owned, OFAC, and Fraud alerts;

· Number of tradelines; and

· Representative Credit Score and Methodology.

**Employment and Income:** Canopy determined whether all applicable supporting documentation as required by Seller's Guidelines and Ability to Repay ("**ATR**") when applicable per above were in the file. The documentation was used to verify whether the income used to qualify the loan was calculated in accordance with Seller's Guidelines. Documentation verifying employment and income were deemed acceptable if it was a third-party document as required by the Seller's Guidelines and ATR when applicable per above and may include:

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

· Award letters;

· IRS Tax Transcripts (compared to Tax Returns provided by Borrower(s)).

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-8_001.jpg)

**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor. In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

· Borrower identity:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower name variations

· Employment:

· Licensing – reviewed NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Loan officer

· Occupancy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Subject property ownership history

· OFAC.

**Asset Review:** Canopy assessed whether the asset documentation required by the Seller's Guidelines and ATR, when applicable, was present in the Loan File. Canopy also conducted a review of the reserve calculation, if used to determine ATR or required by the Seller's Guidelines, including a review of any large deposits. Canopy re-calculated gross, net, and liquid asset balances. The Asset Review also consisted of verifying the down payment, closing costs, prepaid items and reserves. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

· Depository account statements;

· Gift funds;

· Settlement statement or other evidence of conveyance and transfer
of funds if a sale of assets was involved;

· Stock or security account statements; and/or

· VOD's.

**Hazard/Flood insurance/Taxes:** A review of the insurance present on the loan was performed by Canopy as follows:

· Confirmed that the flood certification is for the correct borrower,
property, lender and loan number and is a "Life of Loan" certification;

· Confirmed that the mortgagee clause lists the lender's
name and "its successors and assigns;"

· Confirmed that the premium amount on both the hazard and flood
insurance match what was used in the DTI calculations;

· For condominium properties, confirmed that the blanket policy
meets the minimum amount of coverage in the guidelines;

· For properties in a flood zone per the flood certification,
confirmed that flood insurance meets guideline requirements in the file and met the minimum required amount of coverage in the guidelines;

· 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.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-8_001.jpg)

**Automated Underwriting System Findings: N/A**

**Document Review**

Canopy reviewed each Loan File and verified if the following documents, as applicable, were included in the file and if the data on these documents was consistent (where applicable):

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

· Underwriting Approval Documentation inclusive, but not limited
to documents listed in the Credit Review section herein;

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD);

· 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.

**"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.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-8_001.jpg)

**"Material Compliance Violation":** In the event that no express statement existed in the Loan File, Canopy assessed any and all documentation provided to determine what the actual use of the proceeds were, to best identify that the "primary purpose" of the loan was not in fact for "business purpose" as relied upon by the lender, but is in fact for a "consumer purpose". If, in fact, evidence existed that the proceeds were used for personal, Consumer Purpose, then Canopy identified that the "primary purpose" of the loan is not "business purpose" and as "consumer purpose" subject to the full Consumer Purpose regulatory compliance obligations of an originator as it applies to an assignee, with a material compliance exception of a "C" grade.

**"Material Compliance Violation" to "B" Grade:** The above noted Material Compliance Violation was re-graded to a "B" grade by conducting a full Consumer Purpose regulatory compliance review, as applicable to assignees for Consumer Purpose loans, and in the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**Compliance Review**

Canopy reviewed each Loan File and, if applicable, verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Canopy's review included, but was not limited to, the verification and validation that each mortgage loan met the relevant provisions of:

(i) **Anti-Predatory Lending** requirements, that are imposed by federal, state and/or local statutory,
regulatory or authoritative determinations (e.g. state constitutional provisions, ordinances, interpretations, judicial determinations,
etc.) that impose civil or criminal liability upon the Assignee or may cause significant loss severity to the value of the Loan, including
HOEPA and any state and local high-cost home loan laws. Assignee shall have the meaning as defined in TILA;

(ii) the **Truth in Lending Act** (" <u>TILA</u> "), as amended by HOEPA, 15 U.S.C. §1601 et seq., as implemented by Regulation Z, 12 C.F.R. Part 1026;

(iii) the **Real Estate Settlement Procedures Act** (" <u>RESPA</u> "), 12 U.S.C. §2603, as implemented by Regulation X, 12 C.F.R. Part 1024;

(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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-8_001.jpg)

&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;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 of the Structured Finance Association (SFA) TRID Compliance
Review Scope ("TRID Grid 4.0");

&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;

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-8_001.jpg)

&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;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;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;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:

· 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.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-8_001.jpg)

· 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.

· 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.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-8_001.jpg)

· 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.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-8_001.jpg)

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.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-8_001.jpg)

**VALUATION REVIEW**

Canopy reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, integrity of comparable sales, completeness of data and eligibility of the appraiser, consistent with underwriting guidelines, variances, tolerances, and exception authorities established by Client. Additionally, Canopy determined that the appraised value appeared to be reasonably supported ("Value-Supported Analysis"), based on the valuation provided by the Independent Third-party Review.

· With respect to Title XI of FIRREA, Canopy checked for the presence
of the appraiser's license, and reviewed for the presence of any red flags related to the mortgaged property that may have posed
a risk to the property or occupants.

· With respect to USPAP, Canopy confirmed the appraiser's
certification is present and executed within the original appraisal.

***INDEPENDENT THIRD-PARTY VALUES, 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.

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.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-8_001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Event Grade** | &nbsp;&nbsp;**Final Event Grade** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The loan substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;There was not sufficient documentation to perform a review, or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &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 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. |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-8_001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by supporting documents and there are no other valuation support documents provided. The valuation methodology substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition, or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 100.00% (4 loans) have an overall grade of "A" and 0.00% (0 loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 100.00%, (4 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%, (4 loans) of mortgage loans reviewed, and 0.00% (0 loans) has a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 100.00%, (4 loans) of mortgage loans reviewed, and 0.00% (0 loans) has a Property/Valuation grade of "B".

**FINDINGS TABLE**

**REVIEW TABLES**

**OVERALL REVIEW RESULTS**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | **% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | 100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**4** | **100.00%** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-8_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**CREDIT REVIEW RESULTS**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | **% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | 100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**4** | **100.00%** |

---

&nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | **% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | 100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**4** | **100.00%** |

---

&nbsp;&nbsp;&nbsp;&nbsp;**PROPERTY REVIEW RESULTS**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | **% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | 100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**4** | **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 | 4 | 100.00% | $1970337.00 |
| &nbsp;&nbsp;ARM | 0 | 0.00% | $0.00 |
| &nbsp;&nbsp;**Total** | **4** | **100.00%** | **$1970337.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | 4 | 100.00% | $1970337.00 |
| &nbsp;&nbsp;Second | 0 | 0.00% | $0.00 |
| &nbsp;&nbsp;**Total** | **4** | **100.00%** | **$1970337.00** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-8_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Cash Out: Debt Consolidation—Proceeds used to pay off existing loans other than loans secured by real estate | 0 | 0.00% | $0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | 0 | 0.00% | $0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | 2 | 50.00% | $452300.00 |
| &nbsp;&nbsp;First Time Home Purchase | 0 | 0.00% | $0.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | 2 | 50.00% | $1518037.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | 0 | 0.00% | $0.00 |
| &nbsp;&nbsp;**Total** | **4** | **100.00%** | **$1970337.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | 0 | 0.00% | $0.00 |
| &nbsp;&nbsp;181 - 240 Months | 0 | 0.00% | $0.00 |
| &nbsp;&nbsp;241 - 300 Months | 0 | 0.00% | $0.00 |
| &nbsp;&nbsp;301 - 360 Months | 4 | 100.00% | $1970337.00 |
| &nbsp;&nbsp;421-480 Months | 0 | 0.00% | $0.00 |
| &nbsp;&nbsp;**Total** | **4** | **100.00%** | **$1970337.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | 1 | 25.00% | $1143037.00 |
| &nbsp;&nbsp;Second Home | 0 | 0.00% | $0.00 |
| &nbsp;&nbsp;Investment Property | 3 | 75.00% | $827300.00 |
| &nbsp;&nbsp;**Total** | **4** | **100.00%** | **$1970337.00** |

---

**DATA COMPARISON RESULTS**

Of the four (4) mortgage loan files reviewed, two (2) unique loans (50.00% by number) had three (3) tape comparison discrepancies across two (2) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | **# Loans with <br> Discrepancy** | **Total Times <br> Compared** | **% <br> Variance** |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | 1 | 4 | 25.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;No tolerance | 2 | 4 | 50.00% |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-8_001.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 99.8

**Exhibit 99.8 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **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** |
| 92300185703 | XXX |  |  | 04-XX-2025 | XXX | XXX | XXX | XXX | 04-XX-2025 | 1004 URAR | XXX | 80.0 | 80.0 | XXX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | XX | Adequate | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 04-XX-2025 |
| 92300185266 | XXX |  |  | 05-XX-2025 | XXX | XXX | XXX | XXX | 04-XX-2025 | 1004 URAR | XXX | 75.0 | 75.0 | XXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 92300185974 | XXX |  |  | 05-XX-2025 | XXX |  | XXX | XXX | 05-XX-2025 | 1004 URAR | XXX | 60.0 | 60.0 | XXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 92300188187 | XXX |  |  | 07-XX-2025 | XXX |  | XXX | XXX | 06-XX-2025 | 1004 URAR | XXX | 70.0 | 70.0 | XXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 92300185703 | XXX |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Purchase | NA |  |  |  |
| 92300185266 | XXX |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | NJ | Investment | Purchase | NA |  |  |  |
| 92300185974 | XXX |  | D A C | Closed | FCOM1477 | 2025-06-04 01:02 | 2025-06-09 11:39 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/09/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/09/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.18 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | XX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 92300185974 | XXX |  | D A C | Closed | FCRE5000 | 2025-06-05 13:07 | 2025-06-09 11:38 | Resolved | 1 - Information C A | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Resolved-LOE provided showing NQM 5 Loans - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Please leave a comment verifying the Number of Mortgaged Properties is 16. NQM limit is 10 files. Borrower appears to have 16 loans with XX and to NQM. Unable to determine if all went to NQM - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-LOE provided showing NQM 5 Loans - Due Diligence Vendor-06/09/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.18 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | XX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXX |
| 92300188187 | XXX |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | NJ | Investment | Refinance | Cash Out - Other |  |  |  |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| 92300185266 | XXX |  |  | XX | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 3500 | Appraisal - 1007 |  | N/A |  |  | 3500 | Appraisal - 1007 | No | 99.39 | 1.006 | 1.006 | 3478.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 3500 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 156.19 | Yes | XXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXX |
| 92300185974 | XXX |  |  | XX | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 2100 | Appraisal - 1007 |  | N/A |  |  | 2100 | Appraisal - 1007 | No | 98.96 | 1 | 1.01 | 2078.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | 2100 |  |  |  |  |  |  |  | No | 0.2 | 16 | 1 | N/A | 92.18 | Yes | XXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXX |
| 92300188187 | XXX |  |  | XX | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 2900 | Appraisal - 1007 |  | N/A | 0 |  | 2900 | Appraisal - 1007 | No | 94.38 | 1.059 | 1.059 | 2737.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XX | 0 | 2900 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0.1 | 1 | 1 | N/A | 89.23 | Yes | XXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXX |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ASF Loan Number** | **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?** |
| 92300185703 | XXX |  |  | 03-XX-2025 | 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 | 24732.99 | 8.621 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21031.54 | N/A | Employed | Employed | No | No | No |  |
| 92300185266 | XXX |  |  | 04-XX-2025 | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 92300185974 | XXX |  |  | 04-XX-2025 | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A |  |  | No |  | Yes | Present |
| 92300188187 | XXX |  |  | 07-XX-2025 | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 5**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 92300185266 | XXX |  |  | Interest Rate | 7.749 | 0.0775 |  |
| 92300188187 | XXX |  |  | Interest Rate | 8.499 | 0.0850 |  |
| 92300185266 | XXX |  |  | Primary Appraised Property Value | XX | XX |  |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 6**

---

| | | | | |
|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 92300185703 | XXX |  |  | XXX A |
| 92300185266 | XXX |  |  | XXX A |
| 92300185974 | XXX |  |  | XXX C D A |
| 92300188187 | XXX |  |  | XXX A |

---

## Exhibit 99.9

**Exhibit 99.9**

![](ex99-9_001.jpg)

**Overview**

The StoneHill Group, Inc. ("TSG") performed certain due diligence services (the "Review") described below on loans backed by residential properties (both residential mortgage loans and small balance commercial loans secured by residential properties or mixed-use properties being leased to generate income; together the "Loans") acquired by Rithm Capital (the "Client"). The Review took place in June 2025 on Loans with origination dates in May 2025 on files imaged and provided by the Client or its designee.

**Sample size of the assets reviewed.**

During the securitization review process, the Client may have removed loans that were reviewed by TSG from the securitization for paid-in-full mortgage loans or other undisclosed items to TSG. The final population of the Review included 1 Loan totaling an original principal balance of approximately $175000. The review conducted by TSG covered 100% of the securitization loan population to the best of TSG's knowledge and understanding.

Within this population (the "Residential Population") there were 0 Loans that were reviewed by TSG according to nationally recognized statistical rating organizations (NRSRO(s)) standards. NRSRO standards include guidance for compliance, credit, and valuation, among others.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria, as may be relevant for this securitization, for the NRSRO(s) identified in Item 3 of the ABS Due Diligence-15E.

**Quality of information or data about the assets: review and methodology.**

TSG compared data fields on the bid tape provided by the Client to the data found in the Loan file as captured during the Review. The fields captured varied dependent upon such Loan being in the Residential Population or the SBCRE Population as defined below. Additional detail can be found in the result summary for Data Integrity below.

**NRSRO/RESIDENTIAL POPULATION (17 Fields)**

---

| | |
|:---|:---|
| &nbsp;&nbsp;AmortizationTerm | &nbsp;&nbsp;PrepaymentPenaltyType |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;PropertyAddress |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;PropertyCity |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;PropertyType |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;PropertyZipCode |
| &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;QualifyingFICO |
| &nbsp;&nbsp;LoanAmount | &nbsp;&nbsp;QualifyingLTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;UnderwritingGuidelineProductName |
| &nbsp;&nbsp;OriginatorQMStatus |  |

---

**Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

TSG's review was differentiated by the purpose of the loan in question and the guidelines for such loan origination. The description below differentiates between the Residential Population and the SBCRE Population.

**Residential Population (0 Loans)**

TSG reviewed assets at origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable for the Residential Population, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to TSG. As applicable, a review of the mortgage loan file to the Automated Underwriting System output within the mortgage loan file was also performed.

![](ex99-9_001.jpg)

**Credit Application:** For the Credit Application, TSG 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:** TSG'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, TSG:

(i) captured the monthly consumer debt payments for use in required calculations as required by guidelines, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as required by guidelines, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** TSG determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file and where possible, was not fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) Bank Statements.

**Asset Review:** TSG 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, TSG completed a review of large deposits and completed the reserve calculation. 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 conducted. During the course of this review, TSG (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgagee clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the DTI calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

**Occupancy Review:** TSG 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:** As part of the review, TSG verified the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** TSG 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, TSG conditioned the mortgage loan for the missing fraud report product.

![](ex99-9_001.jpg)

If a report was present, TSG 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, TSG 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:** TSG's review included a review of the chain of title and the time 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:** TSG 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 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 or other applicable approved formats at the time of origination.

TSG also verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, (iv) that social security numbers across documents were consistent, and (v) debt-to-income ratio ("DTI(s)") and/or loan-to-value ratios ("LTV(s)") were used in the assessment of conformity guidelines (if required by loan product guidelines).

Documents reviewed include the following items (\* = where applicable):

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Note | &nbsp;&nbsp;Business License\* | &nbsp;&nbsp;Flood certificates |
| &nbsp;&nbsp;Guaranty Agreement(s)\* | &nbsp;&nbsp;Business P&L's\* | &nbsp;&nbsp;Purchase agreement(s)\* |
| &nbsp;&nbsp;Deed of Trust / Mortgage | &nbsp;&nbsp;Verification of down payment funds/ funds to close / reserve funds\* | &nbsp;&nbsp;Final HUD-1 |
| &nbsp;&nbsp;Non-Owner-Occupancy & Business – Purpose Letter of Intent (LOI) / Letter of Explanation (LOE) | &nbsp;&nbsp;Appraisal Report | &nbsp;&nbsp;Title Search Documentation |
| &nbsp;&nbsp;Final Form 1003 / Loan Application(s) | &nbsp;&nbsp;Broker Price Opinion and market rent addendum\* | &nbsp;&nbsp;Evidence of Hazard / Liability / Flood Insurance coverage |
| &nbsp;&nbsp;Credit Report(s) | &nbsp;&nbsp;Appraisal Review documentation\* | &nbsp;&nbsp;Second mortgage documentation\* |
| &nbsp;&nbsp;Verification of Rent / Mortgage (VOR/VOM) payment history\* | &nbsp;&nbsp;Existing Leases\* | &nbsp;&nbsp;Certification(s) of Business purpose of loan |
| &nbsp;&nbsp; Identification / proof of residency<br> status | &nbsp;&nbsp;Rent History\* | &nbsp;&nbsp; Certification(s) of Non-Owner<br> Occupancy and Indemnity\* |
| &nbsp;&nbsp;Background check | &nbsp;&nbsp;Environmental reports |  |

---

**Value of collateral securing the assets: review and methodology.**

TSG'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. TSG's review included verifying the appraisal report was (i) on the appropriate GSE form (for the Residential Population), (ii) materially complete, (iii) in conformity with the guideline requirements for the property type, (iv) completed by an appraiser (for residential properties) that was actively licensed to perform the valuation, (v) completed, for residential properties, such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guideline requirements, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been obtained from the appropriate authorities.

![](ex99-9_001.jpg)

Regarding the use of comparable properties, TSG's review (i) analyzed the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and considered whether such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Additional facets of TSG'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 were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client if necessary (iv) confirming the appraisal report does not include any obvious 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 TSG, or if the valuation product was not directly accessible that another valuation product was directly accessible to TSG was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, TSG confirmed consistency among the valuation products. If there were discrepancies identified that could not be resolved, TSG created an exception.

**Residential Population (0 Loans)**

Please be advised that TSG did not determine whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly stated 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 TSG are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which TSG is relying in reaching such findings.

Regarding TILA-RESPA Integrated Disclosure ("TRID") testing, TSG implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope"). TSG will work with outside counsel as needed 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 TSG 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. TSG has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per TSG's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that TSG has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by TSG will result in the potential level of risk indicated by an Event Level or NRSRO grade. Please note that investment properties were excluded from TRID testing.

Please be further advised that TSG does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by TSG do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to TSG. Information contained in any TSG 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 TSG 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 TSG 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. TSG does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by TSG.

![](ex99-9_001.jpg)

TSG 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;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance
by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re- calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR threshold test; and

ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review relevant documentation to determine if compensation to a Loan
Originator was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

![](ex99-9_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, TSG 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, TSG'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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership
counseling in connection with a mortgage loan to a first time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the terms of the 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums
or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence of mortgage loan originator organization and
 individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract,
 security instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part **1024, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm current applicable HUD form was provided;

ii) determination that the 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;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review changes disclosed on the last GFE provided
to the borrower(s) to determine that such changes were within the allowed tolerances;

ii) confirm 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the Servicing Disclosure Statement form in the 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;

![](ex99-9_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs
provided prior to receipt of a LE contained the required disclosures;

vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re- disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify tolerance violations based on the charges disclosed on the initial
and interim LE's, initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

![](ex99-9_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of Your Home Loan Toolkit in the mortgage loan file
or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

(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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including
qualified mortgages as separately defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the
Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R.
1026.43(f)).

TSG 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). TSG will determine the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, TSG notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, TSG notes if an originator mortgage loan designation was not provided.

**Qualified Mortgage**

With respect to Qualified Mortgage designated mortgage loans, TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file and information provided to us by the client regarding Revised QM options chosen by the institution during the optional adoption period from March 1, 2021 through July 1, 2021: (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) for loans with application dates prior to July 1, 2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z); for loans with application dates of July 1, 2021 or after, at the interest rate-lock date, that the Price-Based Limitation calculation meets the requirement of the APR not exceeding the APOR for a comparable transaction by 2.25% or more.. 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, TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied the requirements in the preceding paragraph. In addition, TSG reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan with an application date prior to July 1, 2021, that satisfied the applicable requirements enumerated above, TSG 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, TSG 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.

![](ex99-9_001.jpg)

**General Ability to Repay**

TSG 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.

TSG 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"). TSG 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. TSG's review is based on information contained in the mortgage loan file at the time it is provided to TSG 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;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

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)** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(VII)** **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;**

**(VIII) Federal and state specific late charge and prepayment penalty provisions.**

**(IX) Recording Review**

TSG 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 TSG reviewed the mortgage loans and thus have not yet been recorded. TSG 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, TSG will analyze and capture data from the source documents identified in the Document Review below, as applicable.

(X) FIRREA Review

TSG confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, TSG 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.

![](ex99-9_001.jpg)

(XI) Document Review

TSG reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Underwriting summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T and/or 4506C as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Hazard and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Copy of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Right of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage/Deed of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Notice of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain other disclosures related to the enumerated tests set forth herein.

**Item 5. Summary of findings and conclusions of review**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 above.

**OVERALL RESULTS GRADING SUMMARY**

After considering the grading implications of the Compliance, Credit, and Property/Valuation sections below, 100% of the Loans by number in the pool possessed a grade of "A" or "B".

---

| | | |
|:---|:---|:---|
| **Overall** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 1 | 100% |
| B | 0 | 0% |
| **Total** | 1 | **100.0%** |

---

![](ex99-9_001.jpg)

**CREDIT RESULTS SUMMARY**

Within the securitization population, 100% of the Loans possessed an "A" or "B".

---

| | | |
|:---|:---|:---|
| **Final Credit Grade Summary** | **Final Credit Grade Summary** | **Final Credit Grade Summary** |
| **Credit** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 1 | 100% |
| B | 0 | 0% |
| **Total** | **1** | **100.0%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

Within the securitization population, 100% of the Loans possessed an "A" or "B".

---

| | | |
|:---|:---|:---|
| **Final Property Grade Summary** | **Final Property Grade Summary** | **Final Property Grade Summary** |
| **Property** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 1 | 100% |
| B | 0 | 0% |
| **Total** | **1** | **100.0%** |

---

**DATA INTEGRITY REVIEW RESULTS SUMMARY**

TSG verified data field variances across 17 unique data fields. Some Loans may have exhibited multiple variances which, in some cases, may have resulted from blank data in a submitted data tape. A summary is provided below:

---

| | | | |
|:---|:---|:---|:---|
| <br> **Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | <br> **% Variance** |
| &nbsp;&nbsp;AmortizationTerm | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanAmount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;OriginatorQMStatus | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;PrepaymentPenaltyType | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyAddress | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyCity | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyType | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyZipCode | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;QualifyingFICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;QualifyingLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;UnderwritingGuidelineProductName | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |

---

![](ex99-9_001.jpg)

**ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY**

*The % of Loans totals may not add up to 100% due to rounding.*

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| &nbsp;&nbsp;Fixed | 1 | 100% | $175000.00 | 100% |
| &nbsp;&nbsp;**Total** | **1** | **100.0%** | **$175000** | **100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| &nbsp;&nbsp;360 | 1 | 100% | $175000.00 | 100% |
| &nbsp;&nbsp;**Total** | **1** | **100.0%** | **$175000** | **100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| &nbsp;&nbsp;Investment | 1 | 100% | $175000.00 | 100% |
| &nbsp;&nbsp;**Total** | **1** | **100.0%** | **$175000** | **100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| &nbsp;&nbsp;Single Family Detached | 1 | 100% | $175000.00 | 100% |
| &nbsp;&nbsp;**Total** | **1** | **100.0%** | **$175000** | **100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| &nbsp;&nbsp;Refinance | 1 | 100% | $175000.00 | 100% |
| &nbsp;&nbsp;**Total** | **1** | **100.0%** | **$175000** | **100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property State** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| &nbsp;&nbsp;FL | 1 | 100% | $175000.00 | 100% |
| &nbsp;&nbsp;**Total** | **1** | **100.0%** | **$175000** | **100.0%** |

---

## Exhibit 99.9

**Exhibit 99.9 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 400068639 | XXX |  |  | 05-XX-2024 | XXX | XXX | XXX | XXX | 04-XX-2024 | 1004 URAR | XXX | XX | XXX | 66.79 | 66.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-03-2024 |

---

## Exhibit 99.9

**Exhibit 99.9 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **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** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| 400068639 | XXX |  | D A | Closed | FCRE5770 | 2024-06-03 17:09 | 2024-06-20 11:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/10/2024 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/10/2024 <br>Ready for Review-Document Uploaded. Hi,<br> Please see attached credit report. Thank you!! - Buyer-06/06/2024 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-06/03/2024 |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/10/2024 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/10/2024<br>|  |  | Credit report.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX FL | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 400068639 | XXX |  | D A | Closed | FCRE1161 | 2024-06-03 17:07 | 2024-06-10 16:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/10/2024 <br>Resolved-Flood cert received - Due Diligence Vendor-06/10/2024 <br>Ready for Review-Document Uploaded. Hi,<br> Please see attached flood cert. <br> Thank you!! - Buyer-06/06/2024 <br>Open-Missing Flood Certificate - Due Diligence Vendor-06/03/2024 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/10/2024 <br>Resolved-Flood cert received - Due Diligence Vendor-06/10/2024<br>|  |  | Flood Cert.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX FL | Investment | Refinance | Cash Out - Other | N/A | N/A |

---

## Exhibit 99.9

**Exhibit 99.9 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** | **Primary Appraisal Occupancy** |
| 400068639 | XXX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 1900 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1900 | Appraisal - 1007 | No | 99.42 | 1.006 | 1.006 | 1888.91 | 1900 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21000 |  |  |  | 1900 |  |  |  |  |  |  | No | No | 20.4 | 1 | 1 | N/A | 35.2 | No |  |  | Vested Individual | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |

---

## Exhibit 99.9

**Exhibit 99.9 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 400068639 | XXX |  |  | 03-XX-2024 | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.9

**Exhibit 99.9 Schedule 5**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 400068639 | XXX |  |  | XX | Qualifying LTV | propertyValuationPage | 66.79 | 6694.00 | Per 1008 |
| 400068639 | XXX |  |  | XX | CLTV | propertyValuationPage | 66.79 | 66.94 | Per 1008 |
| 400068639 | XXX |  |  | XX | Originator QM Status | employmentIncomePage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | QM Designation is ATR/QM Exempt for DSCR |
| 400068639 | XXX |  |  | XX | Calculated DSCR | diligenceFinalLookPage | 1.006 | 1 | Rounding difference |

---

## Exhibit 99.9

**Exhibit 99.9 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** |
| 400068639 | XXX |  |  | XXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.10

**Exhibit 99.10**

Executive Summary

4. Description of the Due Diligence Services

1. Type of Assets Reviewed

Inglet Blair, LLC ("IB") performed certain due diligence review services (the "Review"), as defined herein. The loans reviewed were originated from September 2024 to December 2024 and were collateralized by residential real estate purchased by the mortgagors for the purpose of generating rental income (the "Loans"). The Loans were acquired by Rithm Capital (the "Client") from lenders and/or aggregators (the "Seller"), via bulk acquisition or reliance letter. The information provided below represents the approach and methodology used at the time of original acquisition by the Seller. Each of the loans was acquired by the Seller from various lenders a lender through a delegated correspondent channel.

2. Sample Size of Assets Reviewed

This report reflects 3 loans selected by the Client to include in NRMLT 2025-NQM5 (the "Securitization"). Client did not disclose to IB if additional loans are included in the Securitization. While the Client may have included additional loans in the Securitization, such loans were not subject to the Review referenced herein. IB reviewed 100% of the Loans provided by the Client and can only assume the sample size was 100%.

3. Sample Size Determination

The Client, in its sole discretion, determined the loans to be reviewed by IB. As noted in Section 2 above, Client provided IB with 3 loans, all of which were reviewed by IB. Therefore, IB used no sampling methodology in its Review.

4. Information and Data Integrity

IB was provided certain data elements (the "Tape Data"), which were supplied by the Seller. The Seller aggregated the Tape Data from the various lenders. Each lender did not supply Seller with uniform Tape Data; thus, individual Loan Tape Data may not have included all data elements as detailed below in this Section 4. IB subsequently mapped and compared the Tape Data to information contained in each Loan file. When the data was provided, IB compared the following fields:

---

| | |
|:---|:---|
| **Field Name** | **Field Name** |
| Amortization Type | Total Debt to Income Ratio |
| Amortized Original Term | First Payment Date |
| Appraised Value | Interest Only Flag |
| ARM Initial Adjustment Period | Lien Position |
| ARM Initial Rate Cap | Loan Purpose |
| ARM Lookback Period | Loan Term |
| ARM Margin | Loan Type |
| ARM Maximum Interest Rate | LTV |
| ARM Minimum Interest Rate | Note Date |
| ARM Payment Change Frequency | Occupancy |
| ARM Periodic Rate Cap | Original Interest Rate |

---

Inglet Blair, LLC Deal Summary

NRMLT 2025-NQM5

pg. 1

---

| | |
|:---|:---|
| ARM Periodic Rate Cap at first Adjustment Down | Original Principal and Interest |
| ARM Periodic Rate Cap at first Adjustment Up | Original Principal Balance |
| ARM Rate Cap at first Adjustment Down | Property Type |
| ARM Rate Cap at first Adjustment Up | Representative Credit Score |
| ARM Rate Change Frequency | Residual Income |
| ATR/QM Designation | Sales Price |
| Borrower First Name | Subject Address |
| Borrower Last Name | Subject City |
| CLTV | Subject State |
| Doc Type | Subject Zip Code |

---

5. Underwriting, Origination Practices and Conformity to Guidelines and/or Criteria

Each Loan was reviewed to the applicable guideline, matrix and/or finding report, produced by an Automated Underwriting System ("AUS"), as provided to IB. Depending on the applicable guideline requirements, IB verified, recalculated and compared certain metrics and attributes:

- Debt to Income ("DTI")

- Debt Service Coverage Ratio ("DSCR")

- Loan to Value ("LTV") / Combined Loan to Value ("CLTV")

- Lien Position

- Gross Income

- Qualifying Principal, Interest, Taxes and Insurance ("PITI") payment

- Assets and Reserves

- Monthly debt service

- Residual Income

- Occupancy

- Property Type

To the extent prescribed by the applicable guidelines, every Loan received an evaluation of the applicable borrower's employment, income, assets and credit history as follows:

Employment and Income:

- Meets the guidelines and, as applicable, regulatory documentation requirements

- Creditor income calculations are reasonable and as prescribed by the applicable guidelines

- Ensure borrower(s) is/are currently employed

Assets

- Confirm asset source and documentation requirements

- Re-calculate gross, net and liquid asset balances

- Incorporate gift funds and sourcing documentation

- Confirm and calculate reserve calculations

Credit Report

- Determine representative Credit Score and Methodology

- Number of tradelines

Maximum amount of open tradelines

- Mortgage/Rental payment history

- Installment and Revolving payment history

- Bankruptcy and Foreclosure seasoning

- OFAC Alert(s)

Inglet Blair, LLC Deal Summary

NRMLT 2025-NQM5

pg. 2

Credit Application (FNMA Form 1003)

- Substantially complete

- Employer and employment status

- Confirmation of loan purpose and occupancy

- Disposition and status of Real Estate Owned (REO)

- First time home buyer status

- Citizenship and eligibility

Title Review - For each Loan the title commitment or, if present, final title policy was reviewed to confirm:

- Vestee(s)

- Title interest – Fee Simple or Leasehold

- Tax liens, encumbrances, encroachments and/or other title defects were satisfied or addressed

Fraud Report – IB reviewed each Loan file for the presence of a fraud report with all material findings addressed surrounding borrower name variances, social security number discrepancies, subject-property occupancy or employment history.

Hazard and Flood Insurance – Each Loan was reviewed to ensure that (i) each hazard policy limit met the applicable guideline requirement (ii) the property address was correct (iii) the premium was accurately reflected in the DTI calculation and (iv) escrowed where required.

Similarly, where the flood certificate indicates the property improvements were located in a flood zone, IB confirmed the coverage met the guideline requirements and, where applicable, the premium escrowed.

Closing/Legal Documents – All Loans received a review of the closing documentation. This includes the note, mortgage (and applicable riders), assignments, mortgage insurance certificates, underwriter approvals, and HUD-1 or Closing Disclosure, as applicable, are executed by all applicable parties and generally convey the terms of the Loan.

The information and findings provided herein were based on the information provided in the loan file images presented at the time of review.

6. Collateral Review and Methodology

To establish reasonable support for the original appraised value, each qualifying appraisal was accompanied by one of the following: (i) an existing desk review report provided by the originator (or issuer), (ii) a second full appraisal (typically required by the guidelines) (iii) a FNMA Collateral Underwriter ("CU") analysis with a score of 2.5 or less. In the event a loan did not contain any of the supplemental documentation, IB ordered an AVM, desk review or field review to fulfill the requirement. If any of the supplemental material(s) had an estimate of value that was lower than the original appraised value by 10% (or more), a field review (or suitable alternative) was obtained.

Each Loan was analyzed to confirm it was sufficiently collateralized by real property, and each appraisal was audited to address the following FIRREA/USPAP rules and standards:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Was the appraisal prepared for a financial services institution?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Does the appraisal state the definition of Market Value?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Does the appraisal indicate the appraiser's license or certification, number and expiration date?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Does the appraisal disclose any extraordinary assumptions, hypothetical
conditions? Does the appraisal include a statement of assumptions and limiting conditions?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If yes, do the items appear to be reasonable?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Is a minimum 3-year subject sale history included?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Does the report state the effective date of the appraisal?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Does the appraisal summarize the process used to collect, confirm, and report data?

Inglet Blair, LLC Deal Summary

NRMLT 2025-NQM5

pg. 3

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Does the appraisal state the subject's highest and best use?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Does the appraisal clearly identify the real estate being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Does the appraisal state the real property interest being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Does the report contain sufficient information?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. Was the appraisal reported on a FNMA appraisal form?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If yes, was the form materially complete?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Which of the industry recognized methods of valuation were included that
may have been utilized to support the institution's decision to engage in the transaction?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Direct Sales Comparison Approach, Cost Approach, or Income Approach?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If any of these approaches have been omitted or excluded, is there sufficient
explanation provided as to why?

7. Regulatory Compliance Review to Federal, State and Local Lending Laws

All Loans deemed to be consumer purpose loans were submitted to an automated regulatory compliance review. The system tested each applicable Loan for adherence to certain federal, state and local consumer protection laws related to mortgage lending.

All applicable tests and disclosure reviews were graded in accordance with the SFA RMBS 4.0 TRID Compliance Review Scope standard as described below.

- Federal Truth in Lending Act– Regulation Z

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer Handbook on Adjustable Rate Mortgages (1026.19(b)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm acknowledgement of receipt by the borrower or documentary evidence
disclosure was delivered to the borrower(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Your Home Loan Toolkit (1026.19(g)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm acknowledgement of receipt by the borrower or documentary evidence
disclosure was delivered to the borrower(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provided within 3 business days of application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Federal High-cost (1026.32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Identify points and fees and/or APR threshold test failures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Prepayment Penalty restrictions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Higher-priced Mortgage Loans (1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· APR Threshold with the corresponding appraisal and escrow requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Right of Rescission (1026.23)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review accuracy, timing and content of disclosure(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm all requisite consumers received notice and correct form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Qualified Mortgage Rule (1026.43(e))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Perform points and fees test to confirm 3% threshold

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adherence to Appendix Q and DTI below 43% or Temp QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application Dates of 1/10/2014 to 2/28/2021

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adherence to Appendix Q and DTI below 43% and/or Temp QM and/or APR/APOR
threshold 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application Dates of 3/1/2021 to 6/30/2021

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adherence to Appendix Q and DTI below 43% and/or APR/APOR threshold 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application Dates of 7/1/2021 to 9/30/2022

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· APR/APOR threshold 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application Dates on or after 10/1/2022\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Subject to any guidance updates from regulators

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan does not contain "risky feature" (IO, Negative Amortization, etc.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Contain a valid and approved AUS, as applicable

Inglet Blair, LLC Deal Summary

NRMLT 2025-NQM5

pg. 4

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Ability-to-Repay ("ATR") (1026.43(c)(2)
– IB reviewed each Loan for the applicable mortgagor's ability to repay; however, there is no representation or warranty,
implied or otherwise, that a court (or other administrative/legislative authority) will agree with the determination. IB objectively confirmed
the following eight (8)-factors had been considered and, where applicable, documented:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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) The consumer's current or reasonably expected
income or assets, other than the value of the dwelling, including any real property attached to the dwelling, that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (ii) If the creditor relies on income from the consumer's
employment in determining repayment ability, the consumer's current employment status;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (iii) The consumer's monthly payment on the covered
transaction, calculated in accordance with paragraph (c)(5) of this section;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (iv) The consumer's monthly payment on any simultaneous
loan that the creditor knows or has reason to know will be made, calculated in accordance with paragraph (c)(6) of this section;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (v) The consumer's monthly payment for mortgage-related obligations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (vi) The consumer's current debt obligations, alimony, and child support;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (vii) The consumer's monthly debt-to-income
ratio or residual income in accordance with paragraph (c)(7) of this section; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (viii) The consumer's credit history.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TRID (1026.36, 37)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Loan Estimate ("LE")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Initial LE was provided within three (3) business days of application
as provided by the broker or creditor and loan does not consummate within seven (7) business days of receipt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provided within three (3) business days of a valid Change of Circumstance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Complete in all material respects

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Contains NMLS ID

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm the "In 5 Years" calculation is not over disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final Closing Disclosure ("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm creditor provided CD no later than three
(3) business days of consummation and confirm all relevant fields are complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Ensure technical requirements are met – Rounding,
Alphabetization, Number of Fees per category and title fees properly labeled

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Recalculation of the Finance Charge, Amount Financed,
Total of Payments ("TOP"), and Total Interest Payments ("TIP")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Projected Payments - Re-calculation of Principal
and Interest payment(s), verified escrow and insurance payments, interest only periods and final balloon payments are present and displayed
in the correct number of columns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adjustable Interest Rate and Adjustable Payment Tables are present, complete
and accurate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No fee charged for preparation of LE or CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Fee descriptions conform with clear and conspicuous standard

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan terms match that of the subject loan – balance, rate, term, prepayment penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Disclosures section is complete
– Late Payment matches the note and the escrow section is consistent within the 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;o Fee and Tolerance Testing - Zero and ten percent (10.0%) tolerance testing,
including the presence, timing and a validation of a change of circumstance and corresponding fee changes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Evidence Service Provider List and Your Home Loan Toolkit, if applicable,
were provided or 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;o LE and CD form(s) provided to the borrower are consistent across the loan process

Inglet Blair, LLC Deal Summary

NRMLT 2025-NQM5

pg. 5

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o NMLS ID is present on the loan application, note, security instrument,
LE and CD, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Items not tested, include but are not limited to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Categorization of fees in the appropriate section

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of information for fields not expressly stated above

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction columns on the Seller's columns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o State High-cost and Predatory lending regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o RESPA disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm GFE and HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Special Information Booklet

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Servicing Transfer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Arrangement Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Homeownership Counseling Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Equal Credit Opportunity Act

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence, acknowledgement and timing of the Right to Receive Copy of Appraisal
Disclosure

Structured Finance Association ("SFA") organized and led an initiative to establish a framework for Third-Party Reviewer's ("TPR") to evaluate and grade loans subject to the Know Before You Owe Act, also commonly referred to as TILA-RESPA Integrated Disclosure ("TRID"). While all grades and conclusions are established in good faith, the grading scheme materiality and impact for certain exceptions may change from time to time, and thus, all reports contain Interpretation Risk. Under no circumstance should the Client, any potential investors or other individual party solely rely on the interpretations made by IB, SFA, or its outside counsel.

Please be advised that IB is not a law firm, does not employ personnel who are licensed to practice law and the exceptions, observations and conclusions provided by IB are not legal opinions. IB relies upon the advice of outside counsel, informal advice of regulators and industry practice to determine materiality.

---

| | | |
|:---|:---|:---|
| **TRID Tested** | **No. of Loans** | **% of Population** |
| Yes | 3 | 100.00% |
| **Total** | **3** | **100%** |

---

8. Any Other Type of Review

There was no other review performed.

Inglet Blair, LLC Deal Summary

NRMLT 2025-NQM5

pg. 6

5. Summary of Finding and Conclusions of Review

The following tables represent the final NRSRO overall and component grades. The Overall grade is comprised of the lowest of the component grades.

---

| | | |
|:---|:---|:---|
| **NRSRO Final Grade** | **No. of Loans** | **% of Population** |
| B | 3 | 100.00% |
| **Total** | **3** | **100%** |
| **NRSRO Final Credit Grade** | **No. of Loans** | **% of Population** |
| B | 3 | 100.00% |
| **Total** | **3** | **100%** |
| **NRSRO Final Compliance Grade** | **No. of Loans** | **% of Population** |
| A | 3 | 100.00% |
| **Total** | **3** | **100%** |
| **NRSRO Final Property Grade** | **No. of Loans** | **% of Population** |
| A | 2 | 66.67% |
| B | 1 | 33.33% |
| **Total** | **3** | **100%** |

---

The following tables represent certain key attributes of the Loans and their frequency amongst the loan population.

---

| | | |
|:---|:---|:---|
| **Amortization Type** | **No. of Loans** | **% of Population** |
| Fixed Rate | 3 | 100.00% |
| **Total** | **3** | **100%** |
| **Lien Position** | **No. of Loans** | **% of Population** |
| 1st | 3 | 100.00% |
| **Total** | **3** | **100%** |

---

Inglet Blair, LLC Deal Summary

NRMLT 2025-NQM5

pg. 7

---

| | | |
|:---|:---|:---|
| **Purpose** | **No. of Loans** | **% of Population** |
| Rate/Term Refinance -- Borrower initiated | 1 | 33.33% |
| First Time Home Purchase, as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years.) | 1 | 33.33% |
| Other-than-first-time Home Purchase | 1 | 33.33% |
| **Total** | **3** | **100%** |

---

---

| | | |
|:---|:---|:---|
| **Property Type** | **No. of Loans** | **% of Population** |
| Single Family Detached (non-PUD) | 1 | 33.33% |
| Condo, Low Rise (4 or fewer stories) | 1 | 33.33% |
| dPUD (PUD with "de minimus" monthly HOA dues) | 1 | 33.33% |
| **Total** | **3** | **100%** |
| **LTV** | **No. of Loans** | **% of Population** |
| **00.01- 10.00** | **0** | 0.00% |
| **10.01- 20.00** | **0** | 0.00% |
| **20.01- 30.00** | **0** | 0.00% |
| **30.01- 40.00** | **0** | 0.00% |
| **40.01- 50.00** | **0** | 0.00% |
| **50.01- 60.00** | **1** | 33.33% |
| **60.01- 70.00** | **0** | 0.00% |
| **70.01- 80.00** | **2** | 66.67% |
| **80.01- 90.00** | **0** | 0.00% |
| **90.01- 100.00** | **0** | 0.00% |
| **Total** | **3** | **100%** |

---

Inglet Blair, LLC Deal Summary

NRMLT 2025-NQM5

pg. 8

---

| | | |
|:---|:---|:---|
| **CLTV** | **No. of Loans** | **% of Population** |
| **00.01- 10.00** | **0** | 0.00% |
| **10.01- 20.00** | **0** | 0.00% |
| **20.01- 30.00** | **0** | 0.00% |
| **30.01- 40.00** | **0** | 0.00%f |
| **40.01- 50.00** | **0** | 0.00% |
| **50.01- 60.00** | **1** | 33.33% |
| **60.01- 70.00** | **0** | 0.00% |
| **70.01- 80.00** | **2** | 66.67% |
| **80.01- 90.00** | **0** | 0.00% |
| **90.01- 100.00** | **0** | 0.00% |
| **Total** | **3** | **100%** |

---

Inglet Blair, LLC Deal Summary

NRMLT 2025-NQM5

pg. 9

## Exhibit 99.10

**Exhibit 99.10 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | | | | | | | | | **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** | **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** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | | | |
| ASF Loan Number | **Seller Loan ID** | **Purchaser Loan ID** | **Origination Date** | **Original Loan Amount** | **Value used for LTV calculation** | **Sales Price** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO 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** | **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** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO 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** | **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** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** | **Valuation Comments** |
| ASF Loan Number | **Seller Loan ID** | **Purchaser Loan ID** | **Origination Date** | **Original Loan Amount** | **Value used for LTV calculation** | **Sales Price** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Second Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **AVM Product Name** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** | **Valuation Comments** |
| 400085868 | XXX | XXX | XX | XXX | XXX | XXX | No | No | XXX | 07/XX/2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  | Control of the HOA has not been transferred from the developer to the unit owners (this is estimated to occur in January 2025). Per guidelines, Non-warrantable condo projects can only have one non-warrantable feature per property and require a full review. Total units 33 with 24 under bona-fide sales contact (pg 348). GL requires 50% sold or under contract. |
| 400085822 | XXX | XXX | XX | XXX | XXX | XXX | No | No | XXX | 08/XX/2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| 400091216 | XXX | XXX | XX | XXX | XXX | XXX | No | No | XXX | 11/XX/2024 | XXX | URAR Form 1004 | 11/XX/2024 |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 2.27% | XX | 12/XX/2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Secondary appraisal CDA pg 507;<br>Primary appraisal CDA pg 428 |

---

## Exhibit 99.10

**Exhibit 99.10 Schedule 2**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Loan Status** | **Final Overall Event Level** | **Final Credit Event Level** | **Final Compliance Event Level** | **Final Property Event Level** | **Credit Exceptions** | **Compliance Exceptions** | **Property Exceptions** | **Compensating Factors** | **Immaterial/Waived** | **Lender Commentary** | **Cleared Exceptions** | **Exceptions** |
| 400085868 | XXX | XXX | Sold | 2 | 2 | 1 | 2 |  |  |  | Low DTI - DTI 26.40% up to 43% allowable for FTHB previously living rent free.; Verified reserves - Reserves required $17,822.10 (6 months), reserves documented $48,497.40 (16.33 months); Disposable Income - Residual income $10,772.23, minimum required $1,500.; | COND 0011 Non-Warrantable Condominium - Subject condo is new construction, no units have closed as of 7/xx/2024 (date of the condo questionnaire p346) and the control of the HOA has not been transferred from the developer to the unit owners (this is estimated to occur in January 2025). Per guidelines, Non-warrantable condo projects can only have one non-warrantable feature per property and require a full review. Max allowed LTV/CLTV 80%., Client Comment: 12/9/2024 - Lender acknowledged exception per updated 1008<br>PROP 0002 Property Type is prohibited - The subject condo unit is XXX square feet. Per guideline, the minimum size for a condo unit is 500. No variance approved on the 1008 p4., Client Comment: 12/9/2024 - Lender acknowledged exception per updated 1008 |  | TITL 0015 Sidewalk lien on title. - The certificate of title reflects 4 sidewalk liens, 2 dated 8/XX/2003, one dated 5/XX/2022, and 5/XX/2022 (see p926). Liens are against the building not the unit, but any assessed levy against the unit is not covered by the policy. - 12/XX/2024 - Recd final title policy with no sidewalk lien noted.<br>PROP 0012 Missing Certificate of Occupancy - Final inspection expected July 2024 for certificate of occupancy per Condo Questionnaire. Title did not find any COO as of 7/XX/2024 (p351, 1048). - 12/XX/2024 - Recd COO for XXX matching block and lot number. <br>FRAUD 0001 Fraud report alerts have not been addressed - Fraud report alert regarding public records cleared with the comment that all are released or over 4 years old. ZZfiling 3/XX/2022 (p14) is neither noted as released nor is it over 4 years old. - 12/XX/24 Lender response received that the fraud alerts were cleared based on the title company lien and judgment search not returning any findings for the borrower.<br>|  |
| 400085822 | XXX | XXX | Sold | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score 686 > 660 Minimum Required.; Verified reserves - 34.52% DTI < 43% Max Allowed.; Verified employment history - Tape preparer confirms 19 years self-employment for B1.; | CRED 0007 Missing Employment doc (VOE) - Missing internet search on borrowers limousine and taxi business to evidence an online presence as required per guidelines. Borrowers that lack an online presence or has limited clarity into how they generate business may be required to provide a detailed Letter of Explanation as to how their business operates and generates revenue. , Client Comment: Lender Acknowledged Exception<br>CRED 0009 Unacceptable Credit History - Variance granted for Chapter 7 Bankruptcy discharged 8/2021 < 48 months from closing (377+ months). Comp factors note: Meets Investor Guides and DTI Below 36%., Client Comment: Lender Acknowledged Exception |  | TITL 0013 TITL 0013 Missing Survey or Survey Affidavit - Missing copy of survey or survey affidavit. - 12/XX/2024 - Recd Survey affidavit<br>CRED 0085 Purchase Contract is Deficient - Residential Contract of Sale is not dated (pg 92), Contract of Sale made as of June _,2024. Appraisal provides a contract date of 7/XX/2024. - 12/XX/23 Sales contract reflecting date of 06/XX/24 received. Appraisal appears to reflect a non-material typo.<br>TITL 0014 Title Policy - Schedule B Exception - Missing proof that the right of first refusal reserves to the Homeowners Association will not be exercised (Schedule B # 14), as required per title (pg 395). - 12/XX/2024 - Recd HOA Cert reflecting the right of first refusal waived (p4/6)<br>CRED 0024 Missing Proof Judgement and/or Tax Lien Paid/Released - Missing signed and notarized judgement affidavit, as required per title to omit judgment (pg 392,408). - 12/XX/2024 - Recd signed and notarized judgement affidavit. <br>|  |
| 400091216 | XXX | XXX | Sold | 2 | 2 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 59.85%. Maximum LTV of 70% for loans to $3,000,000. Subject is $xx. ; Verified housing payment history - 265 months of mortgage history reporting on credit report. 1x30 in 2018 appears to be isolated incident and report states customer disputes. ; Verified reserves - Required reserves of 3 months PITI on subject (due to LTV<60%) $104,592, 2 months on XXX $46,868, 2 months on XXX $53,126. Total required reserves of $204,586. Verified reserves of $2,129,363.; | GIDE 0001 Guideline Exception(s) - Maximum loan amount of $3,000,000. Subject is $xx. 1008 (pg 7) notes variance, however missing lender exception for exceeding maximum loan amount. , Client Comment: Lender Acknowledged Exception.<br>APRV 0010 Underwriting Loan Approval is Deficient - Per 1008 (pg 7) lender qualified borrower with DTI of 29.6%. 1008 lists total other debt of $86,378.43. QC calculated other debt of $XXX which matches the total other debt from final 1003 (pg 675). Total debt is all monthly liabilities including alimony and child support plus the PITI expense on other REO. DTI increased from 29.6% to 45.57% due to variance in total debts and difference in income calculation due to bank discrepancy from 12/2023. DTI of 45.57% remains below 50% maximum, however new approval is required reflecting increased DTI. QC DTI of 45.57% is based on 50% expense ratio which is not supported. Refer to CRED 0084., Client Comment: EV2/ Non-Material (Max DTI Allowed 50%) |  | TITL 0014 Title Policy - Schedule B Exception - Per Certification of Title, Sch B, Item 14 (pg 699), due to the implementation of a new computer system in the Office of the ZZ County Clerk, searches are not able to be conducted to date for judgments and notices of pendency. Per divorce documentation dated 6/XX/2023 the parties acknowledge there is a pending lawsuit in the County of ZZ between the borrower-the ex wife and a neighbor concerning an alleged easement to the subject property (page XXX). Missing confirmation that this easement dispute has been resolved and missing verification of any resolution will not affect the subject property. - 01/XX/25 Recd FTP and Title affidavit confirming no exception to lawsuit. Attestation attests to no current disputes with neighbors.<br>DD 0001 Missing Divorce Decree and/or Separation Agreement - Judgment of Divorce, XX, is incomplete (pg 46). Divorce documents do not detail if borrower is obligated to pay alimony/maintenance payment to ex-wife, XX, and there is no evidence that she waived any such payments. Missing verification that borrower is not obligated to pay alimony/maintenance payments to first wife, XX. <br>NOTE: Borrower has 2 Divorce Decrees in file. First divorce dated 5/2015 (pg 46) required $XXX/mo child support. Second divorce dated 6/2023 (pg 80) required $XXX alimony with no child support. - 01/XX/25 Complete copy of the divorce decree received. Alimony payments ended 10/2015.<br>CRED 0084 Income Calculation Discrepancy - Income calculation discrepancies: <br>1) Lender used incorrect expense ratio: Per bank statement worksheet (pg 3) lender used an expense ratio of 50%. Per CPA and website (pg 208, 739) borrower is in the automotive business with multiple locations. Per guidelines (pg 42) for an automobile dealership and with multiple commercial locations the expense ratio should be 90%. CPA (pg 210) states a 30% expense ratio, however no explanation for why this automobile dealership network would be operating at a much lower expense ratio than is customary. UW provided no rational for using 50% ratio vs 30% stated by CPA or the 90% required per guidelines. Missing lender approval to use 50% expense ration with rationale. DTI > 227% with 90% expense ration applied, as per guidelines.<br>2) Bank statement worksheet (pg 3) states deposits for 12/2023 were $476,717. Actual deposits per statement (pg 297) were $4,743.33. <br> - 01/XX/25 Updated 1008 reflecting UW rational for using 50% expense factor received.<br>CRED 0082 Income Documentation is Insufficient - Borrower qualified on 24 month business bank statements (pg 213-316). Missing ZZ Bank statement for Jan 2023. QC included balance of $832,199 per worksheet (pg 3). Missing Jan 2023 statement confirming minimum deposits used to qualify. - 01/XX/24 Jan 2023 statement received.<br>|  |

---

## Exhibit 99.10

**Exhibit 99.10 Schedule 3**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Exception ID** | **Exception ID Date** | **Condition Category** | **Condition Standardized Description** | **Condition ID** | **Exception Level** | **Status** | **Condition Custom Description** | **Cleared Date** | **Compensating Factors** | **Lender Response** | **Comments** | **Loan Status** |
| 400085868 | XXX | XXX | 1083691 | 10/02/2024 | Credit | Sidewalk lien on title. | TITL 0015 | 1 | Closed | The certificate of title reflects 4 sidewalk liens, 2 dated 8/xx/2003, one dated 5/xx/2022, and 5/xx/2022 (see p926). Liens are against the building not the unit, but any assessed levy against the unit is not covered by the policy. | 12/09/2024 | Low DTI - DTI 26.40% up to 43% allowable for FTHB previously living rent free.; Verified reserves - Reserves required $17,822.10 (6 months), reserves documented $48,497.40 (16.33 months); Disposable Income - Residual income $10,772.23, minimum required $1,500.; | 12/03/2024 12/02/24 Recd from lender: These are not liens, provided for information only, and responsible to the developer – as all were predated construction.<br>These have no impact on our lien position or borrower's position and are covered by HOA/Developer. <br>\*\* Finding remains, missing copy of final title policy to verify that liens have been cleared and not affect title. | 12/09/2024 - Recd final title policy with no sidewalk lien noted. | Sold C A |
| 400085868 | XXX | XXX | 1083698 | 10/02/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | The subject condo unit is XXX square feet. Per guideline, the minimum size for a condo unit is XXX. No variance approved on the 1008 p4. |  | Low DTI - DTI 26.40% up to 43% allowable for FTHB previously living rent free.; Verified reserves - Reserves required $17,822.10 (6 months), reserves documented $48,497.40 (16.33 months); Disposable Income - Residual income $10,772.23, minimum required $1,500.; |  | Client: 12/9/2024 - Lender acknowledged exception per updated 1008 | Sold C B |
| 400085868 | XXX | XXX | 1083706 | 10/02/2024 | Credit | Missing Certificate of Occupancy | PROP 0012 | 1 | Closed | Final inspection expected July 2024 for certificate of occupancy per Condo Questionnaire. Title did not find any COO as of 7/xx/2024 (p351, 1048). | 12/23/2024 | Low DTI - DTI 26.40% up to 43% allowable for FTHB previously living rent free.; Verified reserves - Reserves required $17,822.10 (6 months), reserves documented $48,497.40 (16.33 months); Disposable Income - Residual income $10,772.23, minimum required $1,500.; | 12/03/2024 12/09/24 - COO for xx, exception remains for COO on the building the subject unit is located in, xx<br>12/02/24 Duplicate copy of the COO dated 07/xx/24 received. Per the document "NO CERTIFICATE OF OCCUPANCY ISSUED ACCORDING TO THE BUILDING DEPARTMENT INDEX FOLLOWING INFORMATION HAS BEEN FOUND." <br> NB #xx APPROVED 02/xx/2024<br> NOT SIGNED OFF<br> xx<br>SC# xx COMPLETED 07/xx/2024<br> CONDO SUBDIVISION FOR 34 UNITS<br> EFFECTIVE 09/18/2001xx. THESE RECORDS ARE NOW BEING SEARCHED BY THE CITY PERSONNEL AND WE CANNOT ASSURE THE ACCURACY OF THAT RESEARCH.<br> Finding remains, Missing valid COO. | 12/23/2024 - Recd COO for XXX matching block and lot number. | Sold C A |
| 400085868 | XXX | XXX | 1083732 | 10/02/2024 | Property | Non-Warrantable Condominium | COND 0011 | 2 | Acknowledged | Subject condo is new construction, no units have closed as of 7/xx/2024 (date of the condo questionnaire p346) and the control of the HOA has not been transferred from the developer to the unit owners (this is estimated to occur in January 2025). Per guidelines, Non-warrantable condo projects can only have one non-warrantable feature per property and require a full review. Max allowed LTV/CLTV 80%. |  | Low DTI - DTI 26.40% up to 43% allowable for FTHB previously living rent free.; Verified reserves - Reserves required $17,822.10 (6 months), reserves documented $48,497.40 (16.33 months); Disposable Income - Residual income $10,772.23, minimum required $1,500.; |  | Client: 12/9/2024 - Lender acknowledged exception per updated 1008 | Sold C B |
| 400085868 | XXX | XXX | 1083751 | 10/02/2024 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | Fraud report alert regarding public records cleared with the comment that all are released or over 4 years old. XX filing 3/xx/2022 (p14) is neither noted as released nor is it over 4 years old. | 12/03/2024 | Low DTI - DTI 26.40% up to 43% allowable for FTHB previously living rent free.; Verified reserves - Reserves required $17,822.10 (6 months), reserves documented $48,497.40 (16.33 months); Disposable Income - Residual income $10,772.23, minimum required $1,500.; |  | 12/02/24 Lender response received that the fraud alerts were cleared based on the title company lien and judgment search not returning any findings for the borrower. | Sold C A |
| 400085822 | XXX | XXX | 1088830 | 11/20/2024 | Credit | Missing Survey or Survey Affidavit | TITL 0013 TITL 0013 | 1 | Closed | Missing copy of survey or survey affidavit. | 12/23/2024 | Verified credit history - Middle Credit Score 686 > 660 Minimum Required.; Verified reserves - 34.52% DTI < 43% Max Allowed.; Verified employment history - Tape preparer confirms 19 years self-employment for B1.; |  | 12/23/2024 - Recd Survey affidavit | Sold C A |
| 400085822 | XXX | XXX | 1088831 | 11/20/2024 | Credit | Missing Proof Judgement and/or Tax Lien Paid/Released | CRED 0024 | 1 | Closed | Missing signed and notarized judgement affidavit, as required per title to omit judgment (pg 392,408). | 12/09/2024 | Verified credit history - Middle Credit Score 686 > 660 Minimum Required.; Verified reserves - 34.52% DTI < 43% Max Allowed.; Verified employment history - Tape preparer confirms 19 years self-employment for B1.; |  | 12/9/2024 - Recd signed and notarized judgement affidavit. | Sold C A |
| 400085822 | XXX | XXX | 1088879 | 11/20/2024 | Credit | Purchase Contract is Deficient | CRED 0085 | 1 | Closed | Residential Contract of Sale is not dated (pg 92), Contract of Sale made as of June _,2024. Appraisal provides a contract date of 7/xx/2024. | 12/03/2024 | Verified credit history - Middle Credit Score 686 > 660 Minimum Required.; Verified reserves - 34.52% DTI < 43% Max Allowed.; Verified employment history - Tape preparer confirms 19 years self-employment for B1.; |  | 12/XX/23 Sales contract reflecting date of 06/XX/24 received. Appraisal appears to reflect a non-material typo. | Sold C A |
| 400085822 | XXX | XXX | 1088890 | 11/20/2024 | Credit | Unacceptable Credit History | CRED 0009 | 2 | Acknowledged | Variance granted for Chapter 7 Bankruptcy discharged 8/2021 < 48 months from closing (377+ months). Comp factors note: Meets Investor Guides and DTI Below 36%. |  | Verified credit history - Middle Credit Score 686 > 660 Minimum Required.; Verified reserves - 34.52% DTI < 43% Max Allowed.; Verified employment history - Tape preparer confirms 19 years self-employment for B1.; |  | Client: Lender Acknowledged Exception | Sold C B |
| 400085822 | XXX | XXX | 1088896 | 11/20/2024 | Credit | Missing Employment doc (VOE) | CRED 0007 | 2 | Acknowledged | Missing internet search on borrowersxx business to evidence an online presence as required per guidelines. Borrowers that lack an online presence or has limited clarity into how they generate business may be required to provide a detailed Letter of Explanation as to how their business operates and generates revenue. |  | Verified credit history - Middle Credit Score 686 > 660 Minimum Required.; Verified reserves - 34.52% DTI < 43% Max Allowed.; Verified employment history - Tape preparer confirms 19 years self-employment for B1.; | 12/03/2024 12/26/2024 - Recd 1008, no comments added regarding acceptance of variance. Exception remains.<br>12/02/24 Duplicate copy of xx Open Data Search for Sxx-Active received. <br> \*\* Borrower business per CPA xx<br> service. Per guideline "Borrowers that lack an online presence or has limited clarity into how they generate business may be required to provide a detailed Letter of Explanation as to how their business operates and generates revenue." Missing LOE from borrower detailing how their business operates and generates revenue. | Client: Lender Acknowledged Exception | Sold C B |
| 400085822 | XXX | XXX | 1088898 | 11/20/2024 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed | Missing proof that the right of first refusal reserves to the Homeowners Association will not be exercised (Schedule B # 14), as required per title (pg 395). | 12/09/2024 | Verified credit history - Middle Credit Score 686 > 660 Minimum Required.; Verified reserves - 34.52% DTI < 43% Max Allowed.; Verified employment history - Tape preparer confirms 19 years self-employment for B1.; |  | 12/9/2024 - Recd HOA Cert reflecting the right of first refusal waived (p4/6) | Sold C A |
| 400091216 | XXX | XXX | 1092752 | 12/30/2024 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed | Per Certification of Title, Sch B, Item 14 (pg 699), due to the implementation of a new computer system in the Office of the xx County Clerk, searches are not able to be conducted to date for judgments and notices of pendency. Per divorce documentation dated 6/xx/2023 the parties acknowledge there is a pending lawsuit in the County of xx between the borrower-the ex wife and a neighbor concerning an alleged easement to the subject property (page XXX). Missing confirmation that this easement dispute has been resolved and missing verification of any resolution will not affect the subject property. | 01/07/2025 | Low LTV/CLTV/HCLTV - CLTV of 59.85%. Maximum LTV of 70% for loans to $3,000,000. Subject is $3,950,000. ; Verified housing payment history - 265 months of mortgage history reporting on credit report. 1x30 in 2018 appears to be isolated incident and report states customer disputes. ; Verified reserves - Required reserves of 3 months PITI on subject (due to LTV<60%) $104,592, 2 months on XXX $46,868, 2 months on XXX $53,126. Total required reserves of $204,586. Verified reserves of $2,129,363.; |  | 01/07/25 Recd FTP and Title affidavit confirming no exception to lawsuit. Attestation attests to no current disputes with neighbors. | Sold C A |
| 400091216 | XXX | XXX | 1092872 | 01/01/2025 | Credit | Missing Divorce Decree and/or Separation Agreement | DD 0001 | 1 | Closed | Judgment of Divorce, xx, is incomplete (pg 46). Divorce documents do not detail if borrower is obligated to pay alimony/maintenance payment to ex-wife, xx, and there is no evidence that she waived any such payments. Missing verification that borrower is not obligated to pay alimony/maintenance payments to first wife, XX. <br>NOTE: Borrower has 2 Divorce Decrees in file. First divorce dated 5/2015 (pg 46) required $15,000/mo child support. Second divorce dated 6/2023 (pg 80) required $62,500 alimony with no child support. | 01/14/2025 | Low LTV/CLTV/HCLTV - CLTV of 59.85%. Maximum LTV of 70% for loans to $3,000,000. Subject is $3,950,000. ; Verified housing payment history - 265 months of mortgage history reporting on credit report. 1x30 in 2018 appears to be isolated incident and report states customer disputes. ; Verified reserves - Required reserves of 3 months PITI on subject (due to LTV<60%) $104,592, 2 months on XXX $46,868, 2 months on XXX $53,126. Total required reserves of $204,586. Verified reserves of $2,129,363.; | 01/07/2025 01/07/25 Response received from lender: xx Alimony for xx - wife 1. UW noted on 1008 that per NY Divorce guidance, Alimony length is based on time married. Client was 41 at time of divorce, married at 20 years, wife would have rec'd alimony for a max. of 8 years. Alimony would have expired in 2023.<br> Used child support and 2nd wife alimony in DTI. No payments to xx (wife 1) noted an provided asset.<br> --Finding remains. Missing the settlement agreement as referenced in the judgment of divorce. | 01/14/25 Complete copy of the divorce decree received. Alimony payments ended 10/2015. | Sold C A |
| 400091216 | XXX | XXX | 1092877 | 01/01/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Borrower qualified on 24 month business bank statements (pg 213-316). Missing xx Bank statement for Jan 2023. QC included balance of $832,199 per worksheet (pg 3). Missing Jan 2023 statement confirming minimum deposits used to qualify. | 01/07/2025 | Low LTV/CLTV/HCLTV - CLTV of 59.85%. Maximum LTV of 70% for loans to $3,000,000. Subject is $3,950,000. ; Verified housing payment history - 265 months of mortgage history reporting on credit report. 1x30 in 2018 appears to be isolated incident and report states customer disputes. ; Verified reserves - Required reserves of 3 months PITI on subject (due to LTV<60%) $104,592, 2 months on XXX $46,868, 2 months on XXX $53,126. Total required reserves of $204,586. Verified reserves of $2,129,363.; |  | 01/07/24 Jan 2023 statement received. | Sold C A |
| 400091216 | XXX | XXX | 1092878 | 01/01/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | Maximum loan amount of $3,000,000. Subject is $xx. 1008 (pg 7) notes variance, however missing lender exception for exceeding maximum loan amount. |  | Low LTV/CLTV/HCLTV - CLTV of 59.85%. Maximum LTV of 70% for loans to $3,000,000. Subject is $3,950,000. ; Verified housing payment history - 265 months of mortgage history reporting on credit report. 1x30 in 2018 appears to be isolated incident and report states customer disputes. ; Verified reserves - Required reserves of 3 months PITI on subject (due to LTV<60%) $104,592, 2 months on XXX $46,868, 2 months on XXX $53,126. Total required reserves of $204,586. Verified reserves of $2,129,363.; | 01/07/2025 01/07/25 Updated 1008 reflecting approved variance for loan amount received. | Client: Lender Acknowledged Exception. | Sold C B |
| 400091216 | XXX | XXX | 1092879 | 01/01/2025 | Credit | Income Calculation Discrepancy | CRED 0084 | 1 | Closed | Income calculation discrepancies: <br>1) Lender used incorrect expense ratio: Per bank statement worksheet (pg 3) lender used an expense ratio of 50%. Per CPA and website (pg 208, 739) borrower is in the automotive business with multiple locations. Per guidelines (pg 42) for an xx and with multiple commercial locations the expense ratio should be 90%. CPA (pg 210) states a 30% expense ratio, however no explanation for why this xx network would be operating at a much lower expense ratio than is customary. UW provided no rational for using 50% ratio vs 30% stated by CPA or the 90% required per guidelines. Missing lender approval to use 50% expense ration with rationale. DTI > 227% with 90% expense ration applied, as per guidelines.<br>2) Bank statement worksheet (pg 3) states deposits for 12/2023 were $476,717. Actual deposits per statement (pg 297) were $4,743.33.  | 01/07/2025 | Low LTV/CLTV/HCLTV - CLTV of 59.85%. Maximum LTV of 70% for loans to $3,000,000. Subject is $3,950,000. ; Verified housing payment history - 265 months of mortgage history reporting on credit report. 1x30 in 2018 appears to be isolated incident and report states customer disputes. ; Verified reserves - Required reserves of 3 months PITI on subject (due to LTV<60%) $104,592, 2 months on XXX $46,868, 2 months on XXX $53,126. Total required reserves of $204,586. Verified reserves of $2,129,363.; | 01/07/2025 01/07/25 Response and updated 1008 received. Per response "Underwriting guidelines outline characteristics for varying expense ratios dependent on business type. The UW MAY choose to apply a ratio other than 50%.<br>The UW used 50% in this case as this account is not tied to a specific xx – but appears to be a master or owners account. Expenses for each xx was assumed to be on specific xx accounts – this account appears to have personal expenses coming out – such as alimony. Hence, the UW deemed 50% was appropriate as xx level expenses are not coming from this account. <br>At a 70% expense ratio, the DTI would still be below 50% at 49.55% and qualify. <br>50% was deemed the most accurate based upon opinion the account used is an ownership account vs. and operating account. " | 01/07/25 Updated 1008 reflecting UW rational for using 50% expense factor received. | Sold C A |
| 400091216 | XXX | XXX | 1092996 | 01/02/2025 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 2 | Acknowledged | Per 1008 (pg 7) lender qualified borrower with DTI of 29.6%. 1008 lists total other debt of $86,378.43. QC calculated other debt of $148,878 which matches the total other debt from final 1003 (pg 675). Total debt is all monthly liabilities including alimony and child support plus the PITI expense on other REO. DTI increased from 29.6% to 45.57% due to variance in total debts and difference in income calculation due to bank discrepancy from 12/2023. DTI of 45.57% remains below 50% maximum, however new approval is required reflecting increased DTI. QC DTI of 45.57% is based on 50% expense ratio which is not supported. Refer to CRED 0084. |  | Low LTV/CLTV/HCLTV - CLTV of 59.85%. Maximum LTV of 70% for loans to $3,000,000. Subject is $3,950,000. ; Verified housing payment history - 265 months of mortgage history reporting on credit report. 1x30 in 2018 appears to be isolated incident and report states customer disputes. ; Verified reserves - Required reserves of 3 months PITI on subject (due to LTV<60%) $104,592, 2 months on XXX $46,868, 2 months on XXX $53,126. Total required reserves of $204,586. Verified reserves of $2,129,363.; |  | Client: EV2/ Non-Material (Max DTI Allowed 50%) | Sold C B |

---

## Exhibit 99.10

**Exhibit 99.10 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Final Overall Event Level** | **S&P QM/ATR Designation** | **Fitch QM/ATR Designation** | **Moody's QM/ATR Designation** | **Kroll QM/ATR Designation** | **DBRS QM/ATR Designation** | **Amortization Type** | **Initial Application Date** | **Originator DTI (ASF)** | **DTI** | **Points/Fees Total** | **Points/Fees Total without reductions resulting from 'bona fide discount points'** | **Rate Lock Date** | **Residual Income** | **GSE Eligible** | **Case ID / LP AUS Key** | **APR** | **Borrower Employment Status** | **Co-Borrower Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower Residency Status** | **Co-Borrower Residency Status** | **Borrower 3 Residency Status** | **Borrower 4 Residency Status** | **Qualifying Interest Rate** | **APOR (if applicable)** |
| 400085868 | XXX | XXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | 08/XX/2024 | 26.3880 | 26.40% | 10838.30 | 10838.30 | 09/06/2024 | 10772.23 | No |  | 8.276% | Self-Employed |  |  |  | US Citizen |  |  |  | 7.8750% | 0.0635 |
| 400085822 | XXX | XXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | 07/XX/2024 | 34.3800 | 34.52% | 9150.83 | 9150.83 | 09/04/2024 | 4910.73 | No |  | 8.419% | Self-Employed |  |  |  | US Citizen |  |  |  | 8.0000% | 0.0635 |
| 400091216 | XXX | XXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | 09/XX/2024 | 29.6900 | 45.66% | 68309.60 | 68309.60 | 11/22/2024 | 219108.89 | No |  | 7.939% | Self-Employed |  |  |  | US Citizen |  |  |  | 7.7500% | 0.0683 |

---

## Exhibit 99.10

**Exhibit 99.10 Schedule 5**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan Number (Selling Lender)** | **Loan Number (Purchasing Lender)** | **Data Field** | **Tape Data** | **IB Review Value** | **Discrepancy Comments** |
| 400085868 | XXX | XXX | Loan Type | Conventional | Non-QM | Non-QM P&L loan program. |
| 400085868 | XXX | XXX | Total Debt to Income Ratio | 26.39% | 26.40% | Non-Material variance. |
| 400085868 | XXX | XXX | U/W Doc Type | Full | 12 Month P&L | Per the 1008 p4, doc type is 12 month P&L. |
| 400085822 | XXX | XXX | Property Type | PUD - Detached | PUD - Attached | Semi-Det/End Unit, as per appraisal. Source of tape is unknown. |
| 400085822 | XXX | XXX | Loan Type | Conventional | Non-QM | 12 Month Bank Statement Program. Source of tape is unknown. |
| 400085822 | XXX | XXX | Total Debt to Income Ratio | 34.38% | 34.52% | Variance < 3% is non-material. |
| 400091216 | XXX | XXX | Total Debt to Income Ratio | 29.69% | 45.66% | Variance due to miscalculation by lender. Max DTI Allowed 50%. |
| 400091216 | XXX | XXX | U/W Doc Type | 12-mo Bank Statement-Business | 24-mo Bank Statement-Business | 24 month bank statement program per 1008 (pg 7) and approval (pg 1). 24 month bank statement program allowed per guidelines (pg 41). Source of tape value unknown. |

---

## Exhibit 99.10

**Exhibit 99.10 Schedule 6**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Final Overall Event Level** | **State** | **Lien Position** | **Loan Purpose** | **QM Designation Type** |
| 400085868 | XXX | XXX | 2 C B A | NY | 1 | Purchase | Non-QM / Compliant |
| 400085822 | XXX | XXX | 2 C B A | NY | 1 | Purchase | Non-QM / Compliant |
| 400091216 | XXX | XXX | 2 C B A | NY | 1 | Rate and Term Refinance | Non-QM / Compliant |

---

## Exhibit 99.11

**Exhibit 99.11**

![](ex99-11_001.jpg)

Executive Summary <br> NRMLT 2025-NQM5

&nbsp;&nbsp;&nbsp;&nbsp;(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 multiple Correspondent Sellers and acquired directly (or indirectly) by Rithm Capital Corp. through a Reliance Letter. The loan reviews were conducted from December 2024 through April 2025 by CRES.

&nbsp;&nbsp;&nbsp;&nbsp;(2) Number of Assets.

There were 9 assets in the loan population.

&nbsp;&nbsp;&nbsp;&nbsp;(3) Review Process.

The post-closing loan reviews were 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;S&P Global Ratings | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Global Methodology And Assumptions: Assessing Pools Of Residential Loans, Jan. 25, 2019 |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, Feb 21, 2025 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· US RMBS Rating Methodology, dated December 7, 2023 |

---

The post-closing reviews 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.

&nbsp;&nbsp;&nbsp;&nbsp;(4) Sample size of the assets reviewed.

The due diligence review was conducted on 100% of the loan population and consisted of 9 mortgage loans with an aggregate original principal balance of approximately $4,871,350. The mortgage loans originated from November 2024 through March 2025.

(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:

**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 and as applicable Appendix Q or Ability to Repay.

**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 income 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 desk review 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.

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.

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).

Therefore, the list of laws that apply to a loan secured by non-owner-occupied property for a business purpose is limited. Regulatory Compliance testing of Business Purpose Loans consists of the following:

State and Federal High Cost and Higher Priced:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Cook County High-Cost Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Chicago High-Cost Ordinance

CRES 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, CRES's audit law firm determined that only principal residences should be tested for IL high cost.

*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 for Consumer Loans:*

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.

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 4.0 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.

*<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: Safe Harbor: Loans that meet the rule's definition of a QM and are eligible for safe harbor protection under the original QM definition, (ii) QM: Safe Harbor (APOR): Loans that meet the rule's definition of a QM and are eligible for safe harbor protection under the new General QM definition (iii) 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, (iv) QM: Rebuttable Presumption: Loans that meet the rule's definition of a QM and are eligible for rebuttable presumption protection under the original QM definition, (v) QM: Rebuttable Presumption (APOR): Loans that meet the rule's definition of a QM and are eligible for rebuttable presumption protection under the new General QM definition, (vi) 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 (vii) Non-QM: Compliant with ATR: Loans that do not meet the QM definition but fully comply with the ATR rule, (viii) Non-QM: Non-Compliant: Loans that do not meet the QM definition and do not comply with the ATR rule, and (ix) 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.

*The table below contains the TRID eligible breakdown for the loan population:*

 

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | &nbsp;&nbsp;&nbsp;**Percentage of Population** |
| &nbsp;&nbsp;**Investment/Business Purpose Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6 | &nbsp;&nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | &nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3 | &nbsp;&nbsp;&nbsp;33.33% |

---

**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):

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;· Asset documentation.

&nbsp;&nbsp;&nbsp;&nbsp;· Business Purpose Certification (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;· Changed circumstance documentation.

&nbsp;&nbsp;&nbsp;&nbsp;· Credit report.

&nbsp;&nbsp;&nbsp;&nbsp;· FACTA disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;· Final 1003.

&nbsp;&nbsp;&nbsp;&nbsp;· Final HUD-1/Closing Disclosure(s).

&nbsp;&nbsp;&nbsp;&nbsp;· Hazard and/or flood insurance policies.

&nbsp;&nbsp;&nbsp;&nbsp;· HUD from sale of previous residence.

&nbsp;&nbsp;&nbsp;&nbsp;· Homeownership counseling organizations disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;· Income and employment documentation.

&nbsp;&nbsp;&nbsp;&nbsp;· Initial and final GFE's.

&nbsp;&nbsp;&nbsp;&nbsp;· Initial application (1003).

&nbsp;&nbsp;&nbsp;&nbsp;· Initial escrow disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;· Initial TIL.

&nbsp;&nbsp;&nbsp;&nbsp;· Leases

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Estimate(s).

&nbsp;&nbsp;&nbsp;&nbsp;· Market Rent supporting documentation

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage Insurance.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage/Deed of Trust.

&nbsp;&nbsp;&nbsp;&nbsp;· Note.

&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Special Flood Hazards.

&nbsp;&nbsp;&nbsp;&nbsp;· Sales contract.

&nbsp;&nbsp;&nbsp;&nbsp;· Tangible Net Benefit Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;· Title/Preliminary Title.

&nbsp;&nbsp;&nbsp;&nbsp;· 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 Type | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Doc Level | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;QM Type |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;P&I Payment |  |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;LTV | &nbsp;&nbsp;Property City | |
| &nbsp;&nbsp;FICO | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State | |

---

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 9 mortgage loans reviewed, five unique mortgage loans had at least one tape discrepancy across 21 data fields (one mortgage loan had more than one data discrepancy). 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 was 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Discrepancy: Yes** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;8 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;8 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Doc Level | &nbsp;&nbsp;9 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;DSCR\* | &nbsp;&nbsp;9 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;6 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;FICO | &nbsp;&nbsp;7 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;**9** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**0** | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;**9** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**0** | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;9 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;8 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Note Date\* | &nbsp;&nbsp;9 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;9 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;9 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;8 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;P&I Payment | &nbsp;&nbsp;9 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;9 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;9 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;9 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;9 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;QM Type\* | &nbsp;&nbsp;9 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;9 |
| &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. |
| &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% |

---

DTI variances are the difference on the percentage of income dedicated toward making debt payments. These variances occur frequently due to differences in calculating incomes. Total Debt Ratio variances that were less than or equal to 3% of the tape value are not included in the data discrepancies reflected.

(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 66.67% of the mortgage loans by number have a Credit grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6 | 66.67% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3 | 33.33% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**9** | **100.00%** |

---

**Compliance Results Summary**

Approximately 100.00% of the mortgage loans in the securitization have a Compliance grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9 | 0.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**9** | **100.00%** |

---

**Property Valuation Results Summary**

Approximately 100.00% of the mortgage loans by number have a Valuation grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**9** | **100.00%** |

---

**Overall Results Summary**

Approximately 100.00% of all loans by number received an "A" or "B" overall grade and 66.67% of all loans by number received an overall grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6 | 66.67% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3 | 33.33% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**9** | **100.00%** |

---

(8) Pool Stratification Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9 | 100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**9** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Arm** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Fixed** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9 | 100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**9** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3 | 33.33% |
| &nbsp;&nbsp;**Non-Owner Occupied** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6 | 66.67% |
| &nbsp;&nbsp;**Second Home** | 0 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**9** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Purchase** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4 | 44.44% |
| &nbsp;&nbsp;**Refi - Cash Out** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5 | 55.56% |
| &nbsp;&nbsp;**Rate Term Refi** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**9** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Single Family** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | 22.22% |
| &nbsp;&nbsp;**2-4 Family** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | 22.22% |
| &nbsp;&nbsp;**PUD** | 2 | 22.22% |
| &nbsp;&nbsp;**Condo** | 3 | 33.33% |
| &nbsp;&nbsp;**Co-op** | 0 | 0.00% |
| &nbsp;&nbsp;**Townhome** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**9** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Debt to Income** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**0-9.99%\*** | 0 | 0.00% |
| &nbsp;&nbsp;**10%-19.99%** | 1 | 25.00% |
| &nbsp;&nbsp;**20%-29.99%** | 1 | 25.00% |
| &nbsp;&nbsp;**30%-39.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**40%-49.99%** | 2 | 50.00% |
| &nbsp;&nbsp;**50%-60.00%** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **4** | **100.00%** |
| **Five loans in the pool were underwritten to a Debt Service Coverage Ratio ("DSCR") program.** | **Five loans in the pool were underwritten to a Debt Service Coverage Ratio ("DSCR") program.** | **Five loans in the pool were underwritten to a Debt Service Coverage Ratio ("DSCR") program.** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DSCR Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| **<0 or** | 0 | 0.00% |
| **0-0.1999** | 0 | 0.00% |
| **0.2-0.3999** | 0 | 0.00% |
| **0.4-0.5999** | 0 | 0.00% |
| **0.6-0.7999** | 0 | 0.00% |
| **0.8-.9999** | 0 | 0.00% |
| **1-1.1999** | 1 | 20.00% |
| **1.2-1.3999** | 3 | 60.00% |
| **1.4-1.5999** | 1 | 20.00% |
| **1.6-1.7999** | 0 | 0.00% |
| **1.8-1.9999** | 0 | 0.00% |
| **=>2** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **5** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**10%-19.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**20%-29.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**30%-39.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**40%-49.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**50%-59.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**60%-69.99%** | 1 | 11.11% |
| &nbsp;&nbsp;**70%-79.99%** | 6 | 66.67% |
| &nbsp;&nbsp;**80%-89.99%** | 2 | 22.22% |
| &nbsp;&nbsp;**90%-100%** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**9** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;CA | 2 | 22.22% |
| &nbsp;&nbsp;FL | 3 | 33.33% |
| &nbsp;&nbsp;GA | 1 | 11.11% |
| &nbsp;&nbsp;SC | 1 | 11.11% |
| &nbsp;&nbsp;SD | 1 | 11.11% |
| &nbsp;&nbsp;TX | 1 | 11.11% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**9** | **100.00%** |

---

## Exhibit 99.11

**Exhibit 99.11 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | **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** |
| ASF Loan Number | **Loan Number** | **Seller Loan Number** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **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** |
| 400094447 | XXX | XXX | 12/XX/2024 | XXX | 75.00% | Sale Price | XXX | XXX | 11/XX/2024 |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.00 | 0.00% | XX | 12/XX/2024 |  |  |  |  |  | 1 | XXX | 12/XX/2024 |
| 400092059 | XXX | XXX | 11/XX/2024 | XXX | 75.00% | Appraised Value |  | XXX | 10/XX/2024 |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.00 | 0.00% | XX | 11/XX/2024 |  |  |  |  |  |  | XXX | 11/XX/2024 |
| 400092034 | XXX | XXX | 12/XX/2024 | XXX | 75.00% | Sale Price | XXX | XXX | 11/XX/2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | 11/XX/2024 |
| 400091113 | XXX | XXX | 12/XX/2024 | XXX | 70.00% | Appraised Value |  | XXX | 11/XX/2024 |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.00 | 0.00% | XX | 11/XX/2024 |  |  |  |  |  | 1 | XXX | 11/XX/2024 |
| 400090585 | XXX | XXX | 12/XX/2024 | XXX | 80.00% | Sale Price | XXX | XXX | 12/XX/2024 |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.00 | 0.00% | XX | 12/XX/2024 |  |  |  |  |  | 1 | XXX | 12/XX/2024 |
| 400103300 | XXX | XXX | 2/XX/2025 | XXX | 70.00% | Appraised Value |  | XXX | 10/XX/2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -10.00% | XX | 10/XX/2024 |  | XXX | 10/XX/2024 |
| 400104733 | XXX | XXX | 3/XX/2025 | XXX | 63.31% | Sale Price | XXX | XXX | 2/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | 2/XX/2025 |
| 400103305 | XXX | XXX | 3/XX/2025 | XXX | 70.00% | Appraised Value |  | XXX | 2/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | 2/XX/2025 |
| 400104770 | XXX | XXX | 3/XX/2025 | XXX | 80.00% | Appraised Value |  | XXX | 2/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | 2/XX/2025 |

---

## Exhibit 99.11

**Exhibit 99.11 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** | **Rating Agency Exceptions Report: 9/12/2025** |
|  | **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** | **Initial Overall Grades** | **Initial Overall Grades** | **Initial Overall Grades** | **Initial Overall Grades** | **Final Overall Grades** | **Final Overall Grades** | **Final Overall Grades** | **Final Overall Grades** | **Event Level** |
| ASF Loan Number | **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** | **DBRS** | **Fitch** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Moody's** | **S&P** | **Grade** |
| 400094447 | XXX | XXX | FL | Purchase | Owner Occupied | Condo Attached | 47.99 |  | 745 | 75.00% | XXX | 297199 | Credit | Condo/PUD | Missing document indicating if condo is Warrantable or Non-Warrantable. | 01/10/25: Documentation provided to cure. Warrantable condo per seller. |  | Cleared Exception | C | C | C | C | A | A | A | A | 1 |
| 400092059 | XXX | XXX | SD | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.5226 | 724 | 75.00% | XXX | 296025 | Credit | Rental Income | Provide one month evidence of rent receipt at lease amount for unit 2 of subject property due to lease being expired. | 12.26 evidence of rent receipt provided |  | Cleared Exception | C | C | C | C | A | A | A | A | 1 |
| 400092034 | XXX | XXX | FL | Purchase | Non-Owner Occupied | Condo - Warrantable | 15.99 |  | 794 | 75.00% | XXX | 296302 | Credit | Closing Disclosure | The final CD dated 12/XX/2024 is missing the signature page. | 12/16/2024: Document provided to cure. |  | Cleared Exception | D | D | D | D | A | A | A | A | 1 |
| 400092034 | XXX | XXX | FL | Purchase | Non-Owner Occupied | Condo - Warrantable | 15.99 |  | 794 | 75.00% | XXX | 296303 | Credit | Program Eligibilty | Subject property is located in a declining market which requires a 5% LTV reduction making the maximum LTV 75%. Loan closed at 80% LTV; an exception for the guideline deviation is missing from the loan file. | 12.27 Exception in error. LTV is 75% which is the max. |  | Cleared Exception | D | D | D | D | A | A | A | A | 1 |
| 400091113 | XXX | XXX | GA | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.3102 | 701 | 70.00% | XXX | 297331 | Credit | Credit | The subject property was qualified using short term rental and per the guidelines, short term rental statements must clearly identify the subject property by address. In this case, the statement does not clearly identify the subject. | SG allowed the use of the short term rental as December deposit can be tied to the screenshot. | Credit Score - Investor Connect Mid fico Score for Cash Out Refinance at 70% LTV is 660 and the Borrowers Mid Fico Score is 742., Reserves - Investor Connect reserve requirement for Cash Out Refinance is 6 months reserves and the Borrowers have 47.46 months of reserves. | Client Accepted | C | C | C | C | B | B | B | B | 2 |
| 400090585 | XXX | XXX | TX | Purchase | Non-Owner Occupied | PUD | 0 | 1.0039 | 678 | 80.00% | XXX | 297318 | Credit | Warranty Deed / Quit Claim Deed | The Warranty/ Grant Deed is missing from the loan file. | 1/19/2025: Document provided to cure. |  | Cleared Exception | C | C | C | C | B | B | B | B | 1 |
| 400090585 | XXX | XXX | TX | Purchase | Non-Owner Occupied | PUD | 0 | 1.0039 | 678 | 80.00% | XXX | 297319 | Credit | Program Eligibilty | Per guidelines the maximum LTV score requirement for an Investment Purchase with a minimum 660 Fico is 75%. Borrowers credit score is 678; an exception for being below the LTV requirement is missing from the loan file. | An exception dated 12/19/2024 was provided allowing the LTV to proceed at 80%. | Prior Mortgage History - No mortgage lates reported in the most recent 6 years. | Client Accepted | C | C | C | C | B | B | B | B | 2 |
| 400090585 | XXX | XXX | TX | Purchase | Non-Owner Occupied | PUD | 0 | 1.0039 | 678 | 80.00% | XXX | 297320 | Credit | Program Eligibilty | Per guidelines the minimum reserves for a First Time Investor is 12 months. Borrower has 6.85 months after closing. | Exception for only having 6 months reserves for a First Time Investor approved by SGCP and in file. | Prior Mortgage History - No mortgage lates reported in the most recent 6 years. | Client Accepted | C | C | C | C | B | B | B | B | 2 |
| 400103300 | XXX | XXX | CA | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 0 | 1.2338 | 779 | 70.00% | XXX | 300255 | Credit | 1008 | Form 1008 document is not included in the loan file for a manually underwritten loan. | 3/18/2025: Document provided to cure. |  | Cleared Exception | C | C | C | C | A | A | A | A | 1 |
| 400103300 | XXX | XXX | CA | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 0 | 1.2338 | 779 | 70.00% | XXX | 300289 | Credit | Debt Service Coverage Ratio | Provide a DSCR income worksheet to verify what rents were used to qualify. Final DSCR pending. | 3/18/2025: Document provided to cure. |  | Cleared Exception | C | C | C | C | A | A | A | A | 1 |
| 400104733 | XXX | XXX | FL | Purchase | Owner Occupied | Single Family Detached | 42.27 |  | 661 | 63.31% | XXX | 300758 | Compliance | Loan Estimate | The initial Loan Estimate and all subsequent LE's are missing from the loan file. | 4/9/2025: Document provided to cure. |  | Cleared Exception | C | C | C | C | A | A | A | A | 1 |
| 400104733 | XXX | XXX | FL | Purchase | Owner Occupied | Single Family Detached | 42.27 |  | 661 | 63.31% | XXX | 300798 | Compliance | Closing Disclosure | The initial Closing Disclosure is not included in the loan file. | 4/9/2025: Document provided to cure. |  | Cleared Exception | C | C | C | C | A | A | A | A | 1 |
| 400103305 | XXX | XXX | SC | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.2188 | 799 | 70.00% | XXX | 300547 | Credit | Credit | Housing history required for Primary and subject property refi, all borrowers must be current on mortgage or rent at loan application. In this case, Borrower lives with spouse rent free and owns several investment properties free and clear = NO housing history. The exception request in the file does not indicate if the request was granted or rejected. | 3/28/2025: SG approved the exception with comp factors. | Credit Score - 799 score, Months Of Reserves - 116.79 months reserves | Client Accepted | C | C | C | C | B | B | B | B | 2 |
|  | XXX | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400104770 | XXX | XXX | CA | Refi - Cash Out | Owner Occupied | Condo Detached | 23.02 |  | 747 | 80.00% | XXX |  |  |  |  |  |  |  |  |  |  |  | A | A | A | A |  |
|  | XXX | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.11

**Exhibit 99.11 Schedule 3**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan Number** | **TPR Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| 400104770 | XXX | XXX | 47.66 | 23.02 | DTI | -24.64 | Yes |
| 400104733 | XXX | XXX | 46.06 | 42.27 | DTI | -3.79 | Yes |
| 400094447 | XXX | XXX | 31.349 | 47.99 | DTI | 16.641 | Yes |
| 400092034 | XXX | XXX | 80 | 75 | LTV | -5 | Yes |
| 400092034 | XXX | XXX | 80 | 75 | CLTV | -5 | Yes |
| 400092034 | XXX | XXX | XXX | XXX | Original Balance | -18450 | Yes |
| 400092034 | XXX | XXX | XXX | XXX | Appraised Value | 1000 | Yes |
| 400104733 | XXX | XXX | 800 | 661 | FICO | -139 | Yes |
| 400091113 | XXX | XXX | 742 | 701 | FICO | -41 | Yes |

---

## Exhibit 99.11

**Exhibit 99.11 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** | **Rating Agency Grades: 9/12/2025** |
| | **Loan Information** | **Loan Information** | **Loan Information** | **Initial Credit Grades** | **Initial Credit Grades** | **Initial Credit Grades** | **Initial Credit Grades** | **Initial Credit Grades** | **Initial Compliance Grades** | **Initial Compliance Grades** | **Initial Compliance Grades** | **Initial Compliance Grades** | **Initial Compliance Grades** | **Initial Property Grades** | **Initial Property Grades** | **Initial Property Grades** | **Initial Property Grades** | **Initial Property Grades** | **Initial Overall Grades** | **Initial Overall Grades** | **Initial Overall Grades** | **Initial Overall Grades** | **Initial Overall Grades** | **Final Credit Grades** | **Final Credit Grades** | **Final Credit Grades** | **Final Credit Grades** | **Final Credit Grades** | **Final Compliance Grades** | **Final Compliance Grades** | **Final Compliance Grades** | **Final Compliance Grades** | **Final Compliance Grades** | **Final Property Grades** | **Final Property Grades** | **Final Property Grades** | **Final Property Grades** | **Final Property Grades** | **Final Overall Grades** | **Final Overall Grades** | **Final Overall Grades** | **Final Overall Grades** | **Final Overall Grades** |
| ASF Loan Number | **Loan Number** | **Alternate Loan ID** | **Note Original Balance** | **DBRS** | **KBRA** | **Fitch** | **Moody's** | **S&P** | **DBRS** | **KBRA** | **Fitch** | **Moody's** | **S&P** | **DBRS** | **KBRA** | **Fitch** | **Moody's** | **S&P** | **DBRS** | **KBRA** | **Fitch** | **Moody's** | **S&P** | **DBRS** | **KBRA** | **Fitch** | **Moody's** | **S&P** | **DBRS** | **KBRA** | **Fitch** | **Moody's** | **S&P** | **DBRS** | **KBRA** | **Fitch** | **Moody's** | **S&P** | **DBRS** | **KBRA** | **Fitch** | **Moody's** | **S&P** |
| 400094447 | XXX | XXX | XXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400092059 | XXX | XXX | XXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400092034 | XXX | XXX | XXX | D | D | D | D | D | A | A | A | A | A | C | C | C | C | C | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400091113 | XXX | XXX | XXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 400090585 | XXX | XXX | XXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 400103300 | XXX | XXX | XXX | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400104733 | XXX | XXX | XXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103305 | XXX | XXX | XXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 400104770 | XXX | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.11

**Exhibit 99.11 Schedule 5**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | ![](ex99-11sch5_001.jpg) |  |  |  |  |
|  | **ATR QM Data Fields** | **ATR QM Data Fields** |  |  |  |
|  | *Loans in Report: 9* |  |  |  |  |
| ASF Loan Number | **Client Loan Number** | **Alt Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** |
| 400094447 | XXX | XXX | Non-QM: Compliant with ATR | No | Yes |
| 400092059 | XXX | XXX | Not covered/exempt | No | No |
| 400092034 | XXX | XXX | Not covered/exempt | No | No |
| 400091113 | XXX | XXX | Not covered/exempt | No | No |
| 400090585 | XXX | XXX | Not covered/exempt | No | No |
| 400103300 | XXX | XXX | Not covered/exempt | No | No |
| 400104733 | XXX | XXX | Non-QM: Compliant with ATR | No | Yes |
| 400103305 | XXX | XXX | Not covered/exempt | No | No |
| 400104770 | XXX | XXX | Non-QM: Compliant with ATR | No | Yes |
|  | **9** |  |  |  |  |

---

## Exhibit 99.11

**Exhibit 99.11 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan Number** | **Doc Type** | **Property ID** | **Rent On Lease if applicable** | **Rent On Appraisal if applicable** | **Source Lease or Appraisal** | **Used for DSCR** | **DSCR** | **PITI** | **Short Term Rental Flag** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Year Built** | **Square Footage** | **Units** | **Unit 1 of Baths** | **Unit 1 of Beds** | **Unit 2 of Baths** | **Unit 2 of Beds** | **Lease Term** |
| 400092059 | XXX | DSCR | 1 | 900 | 900 | Lease | 900 | 1.5226 | 1247.84 | No | XXX | XXX | SD | XXX | 1908 | XXX | 2 | 1 | 2 | 1 | 2 | 12-Months |
| 400092059 | XXX | DSCR | 2 | 1000 | 1000 | Lease | 1000 |  |  | No | XXX | XXX | SD | XXX | 1908 | XXX | 2 | 1 | 2 | 1 | 2 | 12-Months |
| 400091113 | XXX | DSCR | 1 | 2341.7 | 1800 | Lease | 2341.7 | 1.3102 | 1787.241666 | Yes | XXX | XXX | GA | XXX | 1993 | XXX | 1 | 2 | 3 |  |  | Short-Term Rental |
| 400090585 | XXX | DSCR | 1 | 0 | 2750 | Appraisal | 2750 | 1.0039 | 2739.404166 | No | XXX | XXX | TX | XXX | 1974 | XXX | 1 | 2 | 4 |  |  |  |
| 400103300 | XXX | DSCR | 1 | 3850 | 3600 | Appraisal | 3600 | 1.2338 | 11752.42 | No | XXX | XXX | CA | XXX | 2024 | XXX | 3 | 2 | 3 | 2 | 3 | 12-Months |
| 400103300 | XXX | DSCR | 2 | 3915 | 3600 | Appraisal | 3600 |  |  | No | XXX | XXX | CA | XXX | 2024 | XXX | 3 | 2 | 3 | 2 | 3 | 12-Months |
| 400103300 | XXX | DSCR | 3 | 4320 | 3800 | Appraisal | 3800 |  |  | No | XXX | XXX | CA | XXX | 2024 | XXX | 3 | 2 | 3 | 2 | 3 | 12-Months |
| 400103300 | XXX | DSCR | 4 | 3500 | 3600 | Lease | 3500 |  |  | No | XXX | XXX | CA | XXX | 2024 | XXX | 3 | 2 | 3 | 2 | 3 | 12-Months |
| 400103305 | XXX | DSCR | 1 | 2300 | 2000 | Appraisal | 2000 | 1.2188 | 1640.956666 | No | XXX | XXX | SC | XXX | 1972 | XXX | 1 | 2 | 4 |  |  | 12-Months |

---

## Exhibit 99.12

**Exhibit 99.12**

![](ex99-12_003.jpg)

![](ex99-12_001.jpg)

**September 18, 2025**<br> **Due Diligence Narrative Report**<br>

![](ex99-12_003.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Review scope | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;# of Files Reviewed | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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** | **10** |
| **Appendix B: Origination Appraisal Assessment** | **13** |
| **Appendix C: Regulatory Compliance Review Scope** | **15** |

---

 ****

NRMLT 2025-NQM5 Due Diligence Narrative Report Page \| 1 September 18, 2025

![](ex99-12_003.jpg)

 ****

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex99-12_004.jpg) | **Michael Santarsiere** | Client Service Director |

---

Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u>

---

| | | |
|:---|:---|:---|
| ![](ex99-12_004.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |

---

Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u>

**Overview**

On behalf of CP Financial and CP Realty Inc., Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 1 residential loan.

On behalf of HomeXpress Mortgage Corp., Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 117 residential loans.

Rithm Capital Corp. subsequently purchased these loans via reliance letter and selected them for the NRMLT 2025-NQM5 transaction.

The loans referenced in this narrative report were reviewed on a flow loan basis from May 2024 to June 2025. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;117 | &nbsp;&nbsp;99.15% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.85% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**118** | &nbsp;&nbsp;**100.00%** |

---

NRMLT 2025-NQM5 Due Diligence Narrative Report Page \| 2 September 18, 2025

![](ex99-12_003.jpg)

**Clayton's Third Party Review ("TPR") Scope of Work**

The scope of work for this transaction consisted of a credit review, property valuation review, regulatory compliance review, and data integrity check.

---

| | |
|:---|:---|
| &nbsp;&nbsp; Review scope | &nbsp;&nbsp; # of Files Reviewed |
| &nbsp;&nbsp; Credit Review | &nbsp;&nbsp; 118 |
| &nbsp;&nbsp; Property Valuation Review | &nbsp;&nbsp; 118 |
| &nbsp;&nbsp; Regulatory Compliance Review | &nbsp;&nbsp; 83 |
| &nbsp;&nbsp; Data Integrity Check | &nbsp;&nbsp; 118 |

---

Loan Grading

Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade takes into account additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Clayton's loan grading is solely based on Clayton's independent assessment of all guideline exceptions and compensating factors for each of the component reviews. Clayton is providing a comprehensive loan-level analysis as part of this pre-securitization reporting package that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Clayton's loan grading complied with rating agency grading definitions published by Moody's, Standard and Poor's, Fitch, Morningstar, Kroll and DBRS.

![](ex99-12_005.jpg)

NRMLT 2025-NQM5 Due Diligence Narrative Report Page \| 3 September 18, 2025

![](ex99-12_003.jpg)

TPR Component Review Scope

Clayton examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Clayton relied on the accuracy of information contained in the loan documentation provided to Clayton.

Credit Review

Clayton's Credit scope of review conducted on 118 loans on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u>):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Compared the loan documentation found in the loan file to the origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against
the stated seller origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Analyzed asset statements in order to determine that funds to close and reserves were within origination
guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Confirmed that credit scores (FICO) and credit histories were within origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Evaluated for evidence of borrower's willingness and ability to repay the obligation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined income, employment, assets, and occupancy status for reasonability;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Reviewed the occupancy, VOE and self/employed business documents within the loan file, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Listed the property type as Coop, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Reviewed for condo warranty documentation, as applicable;

Property Valuation Review

Clayton's Property Valuation scope of review conducted included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment (118 loans)

- Clayton reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

- For more detail on the original appraisal review, please refer to <u>Appendix B</u> and to the guidelines cited above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value Supported Analysis (118 loans)

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product. Loans were held to a -10% tolerance utilizing the following waterfall;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CU Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Desk Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Field Review

For further detail please refer to the NRMLT 2025-NQM5 Valuations Summary Report

Additional valuation product was not required when CU score provided was below 2.5. In the event the CU score was equal to or greater than 2.5, additional valuation product was obtained to confirm value was supported. In some cases additional products were ordered on loans with an acceptable CU score based on guidance from the seller.

NRMLT 2025-NQM5 Due Diligence Narrative Report Page \| 4 September 18, 2025

![](ex99-12_003.jpg)

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on 83 loans on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tested for state-specific consumer protection laws including late charge and prepayment penalty provisions;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Truth-in-lending/regulation Z (TILA) testing included the following:

- Notice of Right to Cancel (Right of Rescission) adherence if applicable;

- TIL Disclosure Timing (3/7/3) and disclosure content;

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

- Section 32 APR and Points and Fees Thresholds and prohibited practices;

- Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

- Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing credit Insurance, mandatory arbitration clauses, and NegAm Counseling;

- Prepayment Penalty restrictions; and

QM/ATR Review: On applicable loans;, test compliance with applicable Qualified Mortgage (QM) and Ability to Repay (ATR) requirements defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau any loan subject to that regulation, as further described on <u>Appendix C</u> attached hereto.

TILA/RESPA Integrated Disclosure Scope ('Covered Loans' with an Application Date => 10/3/2015); SFIG RMBS 3.0 TRID Compliance Review Scope as further described on <u>Appendix C</u> attached hereto.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included the following, for loans other than 'Covered
Loans' and loans with an Application Date prior to 10/3/2015:

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

GFE to HUD1 evaluation for 0% and 10% fee tolerances;

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

OF NOTE: As of October 3, 2015 ("TRID Effective Date"), Clayton commenced testing applicable loans subject to the TRID Effective date against a TRID scope of review that was based on outside counsel's interpretations of the published regulations as of the TRID Effective Date. Clayton's scope was commercially reasonable as it relates to a Third Party Review ("TPR") firm's role as TPR conducting an independent third-party pre-securitization due diligence review ("Initial TRID Scope"). The Initial TRID Scope was created with guidance from outside counsel.

On, June 15th, 2016 SFIG published its RMBS 3.0 TRID Compliance Review Scope© documentation, developed under the leadership of members from Third Party Review ("TPR") firms across the industry and SFIG's RMBS 3.0 Due Diligence, Data and Disclosure Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a uniform testing and risk identification standard as it would apply to an assignee, as a result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You Owe / Truth In Lending Act ("TILA) – Real Estate Settlement Procedures Act ("RESPA") Integrated Disclosure ("TRID") Rule (78 FR 79730, as amended). RMBS 3.0 TRID Compliance Review Scope may be formally amended by the SFIG RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

NRMLT 2025-NQM5 Due Diligence Narrative Report Page \| 5 September 18, 2025

![](ex99-12_003.jpg)

Following the June 15<sup>th</sup> formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope to such loans upon the affirmative election by Rithm Capital Corp.

<u>Compliance Review (Business Purpose, Non-Owner Occupied)</u> 

Non-Owner Occupied Scope: Most consumer protection laws are designed to afford protection to borrowers who are entering into a loan that will be secured by their residence. For most high cost and higher-priced laws, as well as rescission, the only loans covered by the law are loans secured by the borrower's (or in the case of rescission a title holder's) principal residence. Most other consumer protection laws extend to a borrower's secondary residence, which under TILA and RESPA is a residence that they occupy at least 2 weeks during the year. Further, if the loan is for a business purpose it is often excluded from consumer protection laws regardless of occupancy, including TILA (whereas if it is secured by non-owner occupied but for a personal, family or household purpose it is more likely to be covered).

Therefore, the list of laws that Clayton tests that apply to a loan secured by non-owner occupied property for a business purpose is limited. Regulatory Compliance testing of Business Purpose Loans consists of the following:

State and Federal High Cost and Higher-Priced:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Cook County High Cost Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Chicago High Cost Ordinance

Clayton currently tests the Chicago and Cook County ordinances due to vague language around loans for a business purpose not related to the property. While the state of Illinois has similar language, Clayton's audit law firm determined that only principal residences should be tested for IL high cost.

Anti-predatory lending laws

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Lender and Broker Act after 6/1/2008

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

National Flood Insurance Program for 1-4 unit residential properties (Transaction Date on or after 1/1/2016 for regulated lenders)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sufficiency of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow of insurance payments

NRMLT 2025-NQM5 Due Diligence Narrative Report Page \| 6 September 18, 2025

![](ex99-12_003.jpg)

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 118 reviewed loans, by completing the following steps:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tape data received from seller/client is stored in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan reviewer collects validated loan data in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each received data point is compared to its counterpart collected data point;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Discrepancies found during comparison are stored;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each discrepancy is reported in a Loan Level Tape Compare Upload.

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") data tape. The file format was provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

**data Compare Results**

Clayton provided Rithm Capital Corp. with a copy of the Loan Level Tape Compare Upload which showed the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 118 loans reviewed.

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loans** | **% Accuracy** |
| &nbsp;&nbsp;Borrower DSCR Percent | 1 | 99.15% |
| &nbsp;&nbsp;Cash Reserves | 19 | 83.90% |
| &nbsp;&nbsp;Combined LTV | 1 | 99.15% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | 1 | 99.15% |
| &nbsp;&nbsp;Disbursement Date | 16 | 86.44% |
| &nbsp;&nbsp;DTI Qualifying (Back) | 4 | 96.61% |
| &nbsp;&nbsp;Loan Purpose | 1 | 99.15% |
| &nbsp;&nbsp;Months Reserves | 18 | 84.75% |
| &nbsp;&nbsp;Original Appraised Value | 7 | 94.07% |
| &nbsp;&nbsp;Original LTV | 1 | 99.15% |
| &nbsp;&nbsp;Property Type | 4 | 96.61% |
| &nbsp;&nbsp;Property Zip | 1 | 99.15% |
| &nbsp;&nbsp;Representative Credit Score for Grading | 3 | 97.46% |
| &nbsp;&nbsp;Total Cash Out | 30 | 74.58% |

---

NRMLT 2025-NQM5 Due Diligence Narrative Report Page \| 7 September 18, 2025

![](ex99-12_003.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.

**<u>Initial and Final Overall Loan Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 41 |  | &nbsp;&nbsp;6 | 40 | **87** |
| **Final** | **B** |  | 11 | &nbsp;&nbsp;9 | &nbsp;&nbsp;11 | **31** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **41** | **11** | **15** | **51** | **118** |

---

**<u>Initial and Final Overall Loan Grade Results (S&P)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 41 |  | 6 | 40 | **87** |
| **Final** | **B** |  | 11 | 9 | 11 | **31** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **41** | **11** | **15** | **51** | **118** |

---

The overall grade summary reflects the combination of the credit, property valuation and regulatory compliance component reviews into one overall grade. The overall grade assigned is the most severe grade from each of the component reviews.

**<u>Initial and Final Credit Component Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 64 |  | 3 | 23 | **90** |
| **Final** | **B** |  | 20 | 4 | 4 | **28** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **64** | **20** | **7** | **27** | **118** |

---

**<u>Initial and Final Credit Component Grade Results (S&P)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 64 |  | 3 | 23 | **90** |
| **Final** | **B** |  | 20 | 4 | 4 | **28** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **64** | **20** | **7** | **27** | **118** |

---

NRMLT 2025-NQM5 Due Diligence Narrative Report Page \| 8 September 18, 2025

![](ex99-12_003.jpg)

**<u>Initial and Final Property Valuation Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 93 |  | 1 | 22 | **116** |
| **Final** | **B** |  | 1 |  | 1 | **2** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **93** | **1** | **1** | **23** | **118** |

---

**<u>Initial and Final Property Valuation Grade Results (S&P)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 93 |  | 1 | 22 | **116** |
| **Final** | **B** |  | 1 |  | 1 | **2** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **93** | **1** | **1** | **23** | **118** |

---

**<u>Initial and Final Regulatory Compliance Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 67 |  | 11 | 3 | **81** |
| **Final** | **B** |  |  | 2 |  | **2** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **67** | **0** | **13** | **3** | **83** |

---

**<u>Initial and Final Regulatory Compliance Grade Results (S&P)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 67 |  | 11 | 3 | **81** |
| **Final** | **B** |  |  | 2 |  | **2** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **67** | **0** | **13** | **3** | **83** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (35 loans in pool)

NRMLT 2025-NQM5 Due Diligence Narrative Report Page \| 9 September 18, 2025

![](ex99-12_003.jpg)

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative
 Report

&nbsp;&nbsp;&nbsp;&nbsp;2. ASF
 Upload Report

&nbsp;&nbsp;&nbsp;&nbsp;3. Non
 ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;4. Conditions
 Report

&nbsp;&nbsp;&nbsp;&nbsp;5. Valuation
 Summary

&nbsp;&nbsp;&nbsp;&nbsp;6. Loan
 Level Tape Compare

&nbsp;&nbsp;&nbsp;&nbsp;7. Waived
 Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;8. Attestation
 Forms

&nbsp;&nbsp;&nbsp;&nbsp;9. 15E
 Form

**Appendix A: Credit Review Scope**

For each mortgage loan, Clayton performed a guideline review utilizing specific guidelines furnished at the time of the review.

A. Verified that the characteristics of the mortgage loan and borrower conformed to the Sponsor Acquisition Criteria requirements including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o LTV/TLTV/HLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Credit score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income and employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Assets and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Property type and use eligibility; and if the property type was a condominium or cooperative, assessed project adherence

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower eligibility, including:

- Citizenship status

- Non- occupant co-borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Transaction eligibility, including:

Maximum loan amount

- Loan purpose

- Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Noted any approved exceptions or waivers by the originator and/or aggregator to guidelines; verified that approved exceptions included
required, documented compensating factors

B. As part of the guideline review, Clayton performed a credit analysis during which various documents were examined, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Uniform Residential Loan Application reviewed to determine:

- Initial loan application was in the loan file and was signed by all borrowers

- Final loan application was in the loan file and was complete

- Information and debts disclosed on loan application aligned with related documentation in the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Employment analyzed and verified through use of various documents, including:

- Income documentation

- Verbal and/or written verifications of employments (VVOE, VOE)

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

NRMLT 2025-NQM5 Due Diligence Narrative Report Page \| 10 September 18, 2025

![](ex99-12_003.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income review included:

- Required income documentation for all borrowers was present and within required time period

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Signed by all borrowers and processed by the originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Compared IRS tax transcripts to income documentation and noted any inconsistencies

- Income was recalculated and was documented with applicable documentation, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1099

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ IRS documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Bank statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lease agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Award letters

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;o Asset review included:

- Asset documentation required to verify down payment, closing costs, prepaid items and reserves was present and within required timeframe, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Verification of deposits (VOD)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Settlements statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other evidence of conveyance and transfer of funds, if a sale of assets was involved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other documentation in loan file

- Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

&nbsp;&nbsp;&nbsp;&nbsp;o Credit Report review included:

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

- Verified all disclosed mortgage debt on credit report against the loan application (under the schedule of real estate owned) for accurate debt ratio calculation

- Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

- Captured and utilized appropriate credit score for guideline review

&nbsp;&nbsp;&nbsp;&nbsp;o Title policy review included:

- Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Leasehold estate

- Appropriate vestee(s) were listed on title policy

Amount of coverage was greater than or equal to the original principal amount of the mortgage

- Applicable title endorsements were present

- Checked for any encumbrances, encroachments and other title exceptions affecting the lien identified through the title search; verified that each 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

NRMLT 2025-NQM5 Due Diligence Narrative Report Page \| 11 September 18, 2025

![](ex99-12_003.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;o HUD1 (Settlement Statement) review included:

- Funds to close identified and analyzed against borrower's assets

- Seller contributions did not exceed maximum allowed

- Subject property, seller and borrower aligned with other loan documentation

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

&nbsp;&nbsp;&nbsp;&nbsp;o Hazard/Flood insurance review included:

- Verified presence of required hazard insurance and flood insurance (if required)

- Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct loan number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Life of loan, if flood insurance required

Confirmed that any required insurance minimum coverage amount and policy period

- Reviewed for evidence that any required insurance policy premium was paid

- Confirmed that the mortgagee clause listed the lender's name and "it's successors and assigns"

Confirmed that the payment amount on any required insurance was included in the debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage Insurance review included:

- Determined if mortgage insurance is required

Captured mortgage insurance name, certificate # and percentage guarantee (when required)

C. For each mortgage loan, Clayton examined the mortgage or deed of trust for evidence of recordation. In lieu of a copy of the mortgage
or deed of trust with recording information, a copy of the mortgage or deed of trust that is stamped "true and certified copy"
by the escrow/settlement agent plus recording directions on closing instruction documentation was utilized as evidence for recording.

D. For each mortgage loan, Clayton utilized the results from an independent, third-party fraud tool along with information in the loan
file to identify and address any potential misrepresentations including:

&nbsp;&nbsp;&nbsp;&nbsp;o Borrower identity

- Social Security inconsistencies

- Borrower name variations

&nbsp;&nbsp;&nbsp;&nbsp;o Occupancy

- Borrower address history

- Subject property ownership history

&nbsp;&nbsp;&nbsp;&nbsp;o Employment

&nbsp;&nbsp;&nbsp;&nbsp;o Licensing – reviewed NMLS data for:

- Mortgage lender/originator

- Loan officer

&nbsp;&nbsp;&nbsp;&nbsp;o OFAC

E. Performed a DSCR review following the origination guidelines to arrive at a monthly property expense. This number is used as the denominator
to the monthly lease or estimated lease income. Clayton reviewed the applicable documentation and data to arrive at this ratio, including:

&nbsp;&nbsp;&nbsp;&nbsp;o Principal and interest payment

&nbsp;&nbsp;&nbsp;&nbsp;o Property taxes

NRMLT 2025-NQM5 Due Diligence Narrative Report Page \| 12 September 18, 2025

![](ex99-12_003.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;o Insurance

&nbsp;&nbsp;&nbsp;&nbsp;o HOA payments

**Appendix B: Origination Appraisal Assessment**

For each Mortgage Loan, Clayton performed the following origination appraisal analysis:

A. Verified that the mortgage loan file contained an appraisal report and that it met the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal report used standard GSE forms, appropriate to the property type:

- FNMA 1004/FHLMC 70 – Uniform Residential Appraisal Report. Used for 1-unit properties, units in planned unit developments (detached PUDs) and condominium projects that consist solely of detached dwelling (site condominium)

- FNMA 1073/FHLMC 465 – Individual Condominium Report. Used to appraise a unit in a condominium project or a condominium unit in a PUD (attached PUD)

- FNMA 1025/FHLMC 72 – Small Residential Income Property Appraisal Report. Used for all two-to-four unit residential income properties, including two-to-four unit properties in a PUD

- FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

- FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

- FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal report was reasonably complete and included:

- Appraisal report form, certification, statement of limiting conditions and scope of work

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

- Accurate identification of the property type, in both land and improvements

- All required attachments including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 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;▪ 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;▪ 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;▪ Location map

&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;▪ 1004MC Market Conditions Report

- Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for all material conditions

- Appraisal date met supplied Sponsor Acquisition Criteria

- If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria

B. Performed a general credibility assessment of the results of the appraisal per Title XI of FIRREA and
USPAP based on the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Title XI of FIRREA:

- Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser's license included in the appraisal.

- Reviewed for the presence of any "red flags" related to the mortgaged property that may have posed a risk to the property or occupants

NRMLT 2025-NQM5 Due Diligence Narrative Report Page \| 13 September 18, 2025

![](ex99-12_003.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;o USPAP

- Confirmed that the appraiser's certification is present and executed within the original appraisal.

C. Reviewed and graded the appraisal valuation to the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

- Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

- Comps used were reasonably recent in transaction date and if not the reason was furnished

- Comps used were reasonably similar to the subject property and if not an explanation was supplied

- Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

Adjustments were reviewed and appeared reasonable utilizing the 15% net/25% gross guideline.

&nbsp;&nbsp;&nbsp;&nbsp;o Property was complete. However, if the property was not 100% complete, then any unfinished portion had
no material impact to the value, safety, soundness, structural integrity, habitability or marketability of the subject property

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal was reviewed for any indication of property or marketability issues. Utilized the following
key points in making determination:

- Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all material conditions

- Property usage was reviewed for zoning compliance

- Property utilization was reviewed to determine it was "highest and best use"

- Neighborhood values were reviewed to determine if declining

- Market conditions were reviewed to determine indication of possible marketability issues:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location

&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;▪ Growth rate

&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;▪ Marketing time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Predominant occupancy

- Physical condition of the property was reviewed to determine that the property condition was average or better

- Style of property was reviewed to determine if unique property

- Any health and safety issues were noted and/or remediated

- Locational and/or environmental concerns adequately addressed if present

D. Property Eligibility Criteria – Clayton reviewed the property to determine that the property met
the client supplied eligibility requirements. Examples of ineligible property types may include:

&nbsp;&nbsp;&nbsp;&nbsp;o 3 to 4 unit owner occupied properties

&nbsp;&nbsp;&nbsp;&nbsp;o 2 to 4 unit second homes

&nbsp;&nbsp;&nbsp;&nbsp;o Unwarrantable or limited review condominiums

&nbsp;&nbsp;&nbsp;&nbsp;o Manufactured or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;o Condotel units

&nbsp;&nbsp;&nbsp;&nbsp;o Unique properties

&nbsp;&nbsp;&nbsp;&nbsp;o Working farms, ranches or orchards

&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use properties

&nbsp;&nbsp;&nbsp;&nbsp;o Properties subject to existing oil or gas leases

&nbsp;&nbsp;&nbsp;&nbsp;o Properties located in Hawaii Lava Zones 1 and 2

&nbsp;&nbsp;&nbsp;&nbsp;o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

NRMLT 2025-NQM5 Due Diligence Narrative Report Page \| 14 September 18, 2025

![](ex99-12_003.jpg)

E. Properties Affected by Disasters Criteria – Clayton reviewed the appraisal date against any FEMA
Declared Disaster Areas that were designated for Individual and/or Public Assistance due to a federal government disaster declaration.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o If the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton will
specify whether or not there has been a property inspection since the date listed, the latest inspection date, whether or not new damage
has been indicated, and the amount of said damage.

F. Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;o The individuals performing the aforementioned original appraisal assessment are not persons providing
valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers
under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes
of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Clayton may have reviewed
valuation information for reasonableness

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton is not an 'AMC' (appraisal management company) and therefore Clayton does not opine on the actual value of the
underlying property

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Clayton will
not have any communication with or responsibility to any individual consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

**Appendix C: Regulatory Compliance Review Scope**

This appendix provides an overview of Clayton's proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal, state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton's state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton's proprietary due diligence platform, eCLAS.

**<u>Federal Law</u>**

**A.** **RESPA and Regulation X:** Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o GFE/HUD1: confirm the correct version of the GFE and HUD1 were properly completed under the Regulation X Final Rule that became mandatory
on January 1, 2010

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final GFE: Verification that increases to fees from the initial GFE were disclosed within 3 days of valid changed circumstance documentation
within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual
loan terms from the Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final GFE to HUD1 tolerance fee evaluation: confirm the fees charged on the HUD1 do not exceed the Final GFE in the 0% or 10% fee
tolerance categories, including a review for a Settlement Service Provider List if the lender excludes fees that the borrower can shop
for.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Affiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known affiliate, confirm
the disclosure was provided to the borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Homeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to the borrower within
3 days of application

**B.** **Truth in Lending Act and Regulation Z** - Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TIL Disclosure: Content of Disclosures – perform an independent recalculation of the finance charges and APR to determine whether
the amounts disclosed on the final TIL were within allowable tolerances. Payment schedule accuracy, including under the Mortgage Disclosure
Improvement Act for loans applications on or after January 30, 2010. Additional disclosure content with a focus on the consistency of
the prepayment penalty disclosure and assumption policy with the note and security instrument.

NRMLT 2025-NQM5 Due Diligence Narrative Report Page \| 15 September 18, 2025

![](ex99-12_003.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure within 3 days of application,
7 days prior to consummation, and corrected TIL disclosures provided at least 3 days prior to consummation for applications received on
or after July 30, 2009 (Section 19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs
identified within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Right of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material disclosures, and the
loan disbursement (Section 23)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost mortgage thresholds for points and fees (Section 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost Prohibited Acts and Practices upon request (Section 33)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Higher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Prohibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance,
mandatory arbitration clauses, and NegAm Counseling (Section 36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains
documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements
This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non QM loans will
be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance.
This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA Integrated Disclosures ("TRID")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE") and Closing Disclosure
("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Pre-application Requirement Testing:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms cannot look similar to the LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms must contain the required disclaimer ("Your actual rate, payment, and costs could be higher. Get an official
Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing Requirements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after
the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is
triggered) is received.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee Tolerances:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment Schedule Accuracy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated
payment schedule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest-only periods and final balloon payments are accurately completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy of the Loan Calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total interest percentage

NRMLT 2025-NQM5 Due Diligence Narrative Report Page \| 16 September 18, 2025

![](ex99-12_003.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with specified formatting requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alphabetization of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title fees preceded by "Title –."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Consistency within and across forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Once a fee is disclosed it must remain substantially the same name across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with
a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the
section referenced.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion of the LE and CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information,
contact information, rate lock information, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one
option is indicated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past
experience with clients, Clayton will also issue an exception for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected CD requiring a new waiting period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided.
For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within
tolerance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close CD's

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Corrected CD's provided with a post-close refund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure (can impact fee tolerances)

NRMLT 2025-NQM5 Due Diligence Narrative Report Page \| 17 September 18, 2025

![](ex99-12_003.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside of Clayton's default TRID scope:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More
detailed testing will occur by comparing the final CD to the Note terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the Liability after Foreclosure selection is correct for the property state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Aggregate Adjustment amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms,
but is not independently verifying the information.

**C.** **FACTA** - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

**D.** **HMDA** – Whether the loans is Rate Spread threshold reportable.

**<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 |  |

---

NRMLT 2025-NQM5 Due Diligence Narrative Report Page \| 18 September 18, 2025

![](ex99-12_003.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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Puerto Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Texas (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

**D.** **Borrower's Interest** 

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Ohio | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;Rhode Island |  |

---

**E.** **Consumer Protection** 

Several states have laws that neither create a separate class of high cost or higher-priced mortgage loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Alabama (the "Mini-code") | &nbsp;&nbsp;Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| &nbsp;&nbsp;Hawaii (Financial Services Loan Company Act) | &nbsp;&nbsp;Nevada (AB 440 |
| &nbsp;&nbsp;Idaho (Residential Mortgage Practices Act) | &nbsp;&nbsp;Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| &nbsp;&nbsp;Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | &nbsp;&nbsp;Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| &nbsp;&nbsp;Iowa (Consumer Credit Code) | &nbsp;&nbsp;Utah (Consumer Credit Code) |
| &nbsp;&nbsp;Kansas (Consumer Credit Code) | &nbsp;&nbsp;Virginia (Mortgage Lender and Broker Act) |

---

NRMLT 2025-NQM5 Due Diligence Narrative Report Page \| 19 September 18, 2025

![](ex99-12_003.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Kentucky (HB 552) | &nbsp;&nbsp;Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| &nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | &nbsp;&nbsp;West Virginia (Consumer Credit Protection Act) |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

**F.** **Texas Equity** 

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

**<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

NRMLT 2025-NQM5 Due Diligence Narrative Report Page \| 20 September 18, 2025

## Exhibit 99.12

**Exhibit 99.12 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Client Name:** | New Residential Investment Corp | New Residential Investment Corp | New Residential Investment Corp |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **Client Project Name:** | NRMLT 2025-NQM5 | NRMLT 2025-NQM5 | NRMLT 2025-NQM5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **Start - End Dates:** | 5/XX/2024 - 6/XX/2025 | 5/XX/2024 - 6/XX/2025 | 5/XX/2024 - 6/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **Deal Loan Count:** | 118 | 118 | 118 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | *Loans in Report:* | *118* |  |  |  | **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** |  |
| ASF Loan Number | **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **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** | **Full Diligence ID** |
| 400081399 | XX |  | XX | XX | XX | 08/XX/2024 | XX | 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 | 9F01A4FC-8292-4A53-9825-F6B5C471E505 |
| 400060672 | XX |  | XX | XX | XX | 04/XX/2024 | XX | 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 | D77D6120-94A5-47E5-BEB5-C5BB71FF1ADA |
| 400060667 | XX |  | XX | XX | XX | 05/XX/2024 | XX | 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 | 5432A0B8-691B-480C-8A0E-44B22231E905 |
| 400081400 | XX |  | XX | XX | XX | 08/XX/2024 | XX | 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% | 1.6 | F0A341DC-753A-4FE1-B46D-38B6F6585AFB |
| 400084615 | XX |  | XX | $0.00 | XX | 10/XX/2024 | XX | 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% | 2.5 | F7951D73-6CC4-45D1-BDF3-07F758CFFCE3 |
| 400098172 | XX |  | XX | $0.00 | XX | 10/XX/2024 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 10/XX/2024 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | C4889937-684C-4739-93D9-B84B6F702D9C |
| 2000046668 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 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% | 2.4 | BE574BF1-D520-439D-A9E2-F4E97CB0CBB5 |
| 400097191 | XX |  | XX | $0.00 | XX | 01/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 01/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 | 4B3DA186-5758-43F8-B3AE-D5C69CE6841D |
| 400097168 | XX |  | XX | $0.00 | XX | 11/XX/2024 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 01/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.8 | 5799276D-DA1F-48BD-AD86-90A11DDB16D8 |
| 400098131 | XX |  | XX | $0.00 | XX | 01/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 02/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | A41F2E28-C3D9-4DE0-B1C8-9B1A929C5369 |
| 400098132 | XX |  | XX | $0.00 | XX | 02/XX/2025 | XX | 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 | 5EDC67BC-7E8C-4D96-B36A-A75026F42D06 |
| 400097215 | XX |  | XX | $0.00 | XX | 01/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 02/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | 577A1F58-D9E1-49F2-A45F-CC3E8F99F3CD |
| 400097048 | XX |  | XX | $0.00 | XX | 01/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 02/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | 140F6E01-E50C-452C-9801-B88EC02907E1 |
| 400097050 | XX |  | XX | $0.00 | XX | 01/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 02/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | 30D388F6-8E0F-4565-BDFC-7175DD6113D7 |
| 400098160 | XX |  | XX | $0.00 | XX | 02/XX/2025 | XX | 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 | 423ACFB5-B56B-40C0-A72A-1FB395CC10C8 |
| 400098137 | XX |  | XX | XX | XX | 01/XX/2025 | XX | 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 | 1EE7BCA0-95C2-44B1-9BE1-E3FD6AF2922A |
| 400098209 | XX |  | XX | $0.00 | XX | 02/XX/2025 | XX | 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 | AB63C2A5-8108-4652-A7AE-7C402260C991 |
| 400097186 | XX |  | XX | XX | XX | 02/XX/2025 | XX | 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 | BB9A4D23-E82B-4607-B9BC-FE8DAAF3AC2A |
| 400098141 | XX |  | XX | $0.00 | XX | 02/XX/2025 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 02/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 | 7BCFAE09-B8F1-4FC4-9209-63A0C81F59A5 |
| 400098212 | XX |  | XX | XX | XX | 02/XX/2025 | XX | 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 | 0D8B5E03-67F0-4B97-92FC-0360543561C2 |
| 400098214 | XX |  | XX | XX | XX | 02/XX/2025 | XX | 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 | B513235C-5A9B-4638-9AF1-F14487A69807 |
| 2000048522 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 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% | 1.6 | F561A39C-B770-41D5-B333-1085BFA46848 |
| 400098224 | XX |  | XX | $0.00 | XX | 12/XX/2024 | XX | 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% | 1.8 | F1EFA461-8B62-49F4-AFD1-75DD15764AE5 |
| 400098227 | XX |  | XX | $0.00 | XX | 02/XX/2025 | XX | 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% | 1.7 | B2F5DA69-0267-47C3-BE02-BAC8BEE5CD55 |
| 400098165 | XX |  | XX | $0.00 | XX | 02/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 02/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.7 | DBC3CD33-6C99-4835-944C-70266EDDDE53 |
| 2000048932 | XX |  | XX | $0.00 | XX | 02/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 02/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 | 1CDF34BF-2CCF-4B9C-B201-ECCEB5EC8763 |
| 400098260 | XX |  | XX | $0.00 | XX | 12/XX/2024 | XX | 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 | 3D2EB779-E7D3-4DF6-80DE-2AEF7C4FFC42 |
| 400098242 | XX |  | XX | $0.00 | XX | 01/XX/2025 | XX | 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% | 1.7 | 294BA0C8-D026-4DB1-B2F7-C87504F8D398 |
| 400098148 | XX |  | XX | XX | XX | 02/XX/2025 | XX | 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% | 2.4 | B7A9D9B1-5C1D-4D3F-8BDE-073D1549094B |
| 2000049381 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 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 | 03E72500-EC0A-4DB3-8083-4FCF8EBEDA41 |
| 2000049388 | XX |  | XX | $0.00 | XX | 03/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 03/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | 049FC095-EE03-4644-B7D3-A54E5FF0B765 |
| 2000049508 | XX |  | XX | XX | XX | 03/XX/2025 | XX | 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 | 688A7D63-DB9D-4111-A397-82E5C3E25948 |
| 2000049790 | XX |  | XX | $0.00 | XX | 03/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 04/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | ADAF949A-DC4B-46E8-BBDF-44B6171EA090 |
| 2000049854 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 1004 SFR (Mar 05) |  |  | 05/XX/2025 | XX | $0.00 | 0.00% | Field Review |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 05/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 | 1794F1C0-F89E-4B6A-90A0-C4CA3EAAB819 |
| 2000050073 | XX |  | XX | $0.00 | XX | 03/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 03/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | 6D862482-E87A-418F-99F8-595708B8E36F |
| 2000050191 | XX |  | XX | $0.00 | XX | 03/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 03/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | 30078EED-D64C-475D-9FBE-6856915AAB6A |
| 2000050197 | XX |  | XX | $0.00 | XX | 03/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 03/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | 6518AACB-9013-43B8-AA0E-38D155BB7B17 |
| 2000050306 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 04/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 | E4C5B3F0-3C34-4DD8-85AF-C35D092F4B1D |
| 2000050339 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 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 | 0E97A3C3-ED0A-4A92-A311-FF280452F04F |
| 2000050709 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | B6E78ADB-B887-4BF3-9971-87E4371D4A3F |
| 2000050983 | XX |  | XX | $0.00 | XX | 05/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $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 | EC96CB58-49C3-4DDA-B0EA-10463125DC2E |
| 2000051247 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 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 | E942575C-15C5-4E35-8ADE-08F2453A5157 |
| 2000051265 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 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% | 04/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | 92A2A193-F51F-4F6B-B49F-2AE48FF20B36 |
| 2000051269 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 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 | D88140A8-30BE-4857-B932-209C75BF038A |
| 2000051330 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 04/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | 029D61C9-7A55-4044-B5F0-AEBFC3F87429 |
| 2000051493 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 04/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | B9EF7281-FEF1-4CD5-8E80-FF9B3BFADAB6 |
| 2000051566 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 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 | F2C1D1FB-0349-461C-B666-66D3B2B2689D |
| 2000051582 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 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 | 87A8B878-0B80-41D6-AFAA-F3EAB02CFEC4 |
| 2000051643 | XX |  | XX | $0.00 | XX | 05/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | A64CD3E3-66B8-457C-86E6-D1227EDFFEE9 |
| 2000051651 | XX |  | XX | XX | XX | 05/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | 7DE88407-8B0B-4A38-84B8-78AD66483095 |
| 2000051891 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 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 | F9512DA2-3ADF-410C-9788-C0260EA515EA |
| 2000051977 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 1004 SFR (Mar 05) |  |  | 04/XX/2025 | XX | XX | 3.75% | Field Review |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 04/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 | BCBB4A2B-3DD5-48F8-B7D1-0EB871F6C534 |
| 2000051995 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 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 | 16625082-32B4-49D0-97B5-8395F4A17AAD |
| 2000052001 | XX |  | XX | $0.00 | XX | 05/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | A628E67C-215A-42EC-8578-2DC6F52DBFD0 |
| 2000052033 | XX |  | XX | $0.00 | XX | 02/XX/2025 | XX | 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 | 2E797FB5-6EDC-4139-B74C-77E706EB24FE |
| 2000052086 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 04/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 4B30CA63-0C29-4351-AC49-0EB77ABD2A91 |
| 2000052130 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 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% | 1.2 | DE40315A-D238-4881-9067-36B93850B5F6 |
| 2000052167 | XX |  | XX | XX | XX | 05/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | D3F73767-F816-45D1-A2C8-5D1E8CAEEC34 |
| 2000052201 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 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 | D799EED5-CE11-485F-91A5-CF87B2CCEBF0 |
| 2000052239 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | E94184FD-D4A2-455E-80B3-2013743D773E |
| 2000052274 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 | 54DBA9CA-2409-405F-9D9E-65D5FCB9E36B |
| 2000052282 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 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 | 68EFAB5E-0302-4801-A47E-B45C3796E798 |
| 2000052307 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 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 | E5B44F7A-A7E4-492C-87B2-B9BE668D44B9 |
| 2000052349 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 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 | DDB53B6F-B66B-4C29-BF44-4F671A32F2DA |
| 2000052397 | XX |  | XX | $0.00 | XX | 05/XX/2025 | XX | 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 | B471653C-1EED-4504-A749-566D0DF47FF8 |
| 2000052434 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $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 | C5F562B3-7003-4501-AE57-B4686259B2A4 |
| 2000052465 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 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 | B3A63312-26E1-4E70-9D63-4F7816D8F6FD |
| 2000052492 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 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 | 8294772B-7487-4CAA-BEF9-1B1ED178E008 |
| 2000052494 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 04/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | 80F750A7-2F78-49E8-8BDF-7AE19B0ED19A |
| 2000052570 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 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 | E06A9CD2-5D2E-4563-9B24-8321F55F7458 |
| 2000052637 | XX |  | XX | $0.00 | XX | 05/XX/2025 | XX | 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 | 81DCCF8D-73F9-4238-931A-5CFDF784947D |
| 2000052654 | XX |  | XX | $0.00 | XX | 03/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 04/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | EA1742D0-16B9-4756-B7FB-62B6829EBD6E |
| 2000052670 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 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 | BD20BCBC-1C40-4C0E-A8D0-DF847AE5E8E7 |
| 2000052673 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 04/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | 825BAFD7-AA0F-4577-9F06-C5071CE00261 |
| 2000052677 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 04/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 | 00DBDC1E-0B8A-4619-8C1D-D60E6F5279F9 |
| 2000052685 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 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 | 7C20AA61-C5A8-48E1-BA7F-08F70DF2BBE4 |
| 2000052697 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 04/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 | EF172BC0-1DE9-44BF-ACFF-87DC9CA44231 |
| 2000052771 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 | BA41CDCF-786E-402C-AD85-DE505A3F5F19 |
| 2000052787 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 04/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | 0770F020-E3B6-422D-84B1-0DB824C5F3E5 |
| 2000052829 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 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% | 1.2 | 5C8A5C90-46CD-4001-9A5B-1FC3AEDB701F |
| 2000052886 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | E543E6B1-FB61-40F8-B280-E0EBFE00FBA8 |
| 2000053021 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 04/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.7 | D8F43F1A-22EE-4EBD-AFDD-AFB542019EFE |
| 2000053083 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 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 | 287A96C9-280A-4C6C-8AF7-FDB06BF15D82 |
| 2000053133 | XX |  | XX | $0.00 | XX | 01/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 04/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | 4C44F06B-A4D8-4102-94D9-A49DE29CEAB3 |
| 2000053134 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 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 | DC542995-0B8C-4B20-9240-0079E75C10FD |
| 2000053198 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 04/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 | 88D2A7AA-8B07-482B-8ED1-EE109C41376E |
| 2000053200 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 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% | 05/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.7 | E8D6E9C7-F8B7-4A79-B2F9-4D042468E55E |
| 2000053208 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 04/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 | 06DA7BD0-D9B6-4120-8364-FD29F0D99513 |
| 2000053255 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 04/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 | 8593F382-7F1B-4079-BAFF-59B4BBF0A75E |
| 2000053333 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | 10A89576-3663-47BE-A65E-2748E4B55D5F |
| 2000053378 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $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 | 47EAD978-A586-4C41-8DB5-B46A1FC8A8AB |
| 2000053397 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 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 | 55463BDE-AF08-4112-B1C3-FDF503E8EEB7 |
| 2000053442 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 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 | 148A5A0E-B0C2-4BB8-BEA1-40B20E9BA484 |
| 2000053448 | XX |  | XX | XX | XX | 05/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | F6CB9A53-B346-443A-9959-0763CB67ED76 |
| 2000053545 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 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 | AA3E3368-F356-4923-A66E-CD251F746186 |
| 2000053591 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 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% | 1.6 | 15A0AE0D-3035-4DC7-81A4-899F82CC007D |
| 2000053648 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 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 | 40B37026-F006-46BD-AB5E-B63A3C55CB1C |
| 2000053655 | XX |  | XX | $0.00 | XX | 05/XX/2025 | XX | 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% | 1.2 | EA020963-CDF0-4800-A038-E69BC0006169 |
| 2000053681 | XX |  | XX | $0.00 | XX | 05/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 | 16108112-D557-494F-8A16-EB6C0C14D771 |
| 2000053719 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | 86C36AF3-A9C1-43E5-B99A-9438C85E9F9E |
| 2000053731 | XX |  | XX | XX | XX | 05/XX/2025 | XX | 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 | 238FF3FF-8981-436A-B130-F9AB0BD2710F |
| 2000053853 | XX |  | XX | XX | XX | 05/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) | DD73C63C-5B58-4F2C-96B3-2625B4022C99 |
| 2000053999 | XX |  | XX | XX | XX | 05/XX/2025 | XX | 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 | C4D35D5F-D684-4A59-9861-8706FA12F952 |
| 2000054015 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 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 | CCF34269-4ED1-45AF-802B-2661CB7CEAE0 |
| 2000054087 | XX |  | XX | $0.00 | XX | 05/XX/2025 | XX | 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 | 35732081-CAA4-41B9-A6DE-ED13DEF06EAD |
| 2000054156 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 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 | 213B1431-F890-4F9E-9D4D-DF84466754E0 |
| 2000054184 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 428A80A0-CE5C-4B52-8320-E0079112B5D8 |
| 2000054189 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 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 | 8A32EDFB-A802-4123-A33B-5AAD30C2514E |
| 2000054195 | XX |  | XX | XX | XX | 04/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 05/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | AC6AA178-77AA-45A9-B60A-C71AF5A77FD8 |
| 2000054217 | XX |  | XX | XX | XX | 05/XX/2025 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $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 | 66C34856-3892-45DE-A8CD-8B240171DE83 |
| 2000054248 | XX |  | XX | XX | XX | 05/XX/2025 | XX | 1004 SFR (Mar 05) |  |  | 05/XX/2025 | XX | XX | -4.41% | Full Appraisal |  | $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 | 8F082AC2-AF41-48F6-828D-DB6715F54E85 |
| 2000054277 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 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 | D070F80E-F9F6-43B8-8864-995083678CF8 |
| 2000054322 | XX |  | XX | $0.00 | XX | 05/XX/2025 | XX | 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 | D1077D7A-8A75-40DB-8544-F70735B49582 |
| 2000054386 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 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 | 623987D1-9F30-4CB5-AF79-96EC4528777F |
| 2000054504 | XX |  | XX | $0.00 | XX | 05/XX/2025 | XX | 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 | A3F9AC43-2F63-4722-BD51-7C82F5983CCC |
| 2000054979 | XX |  | XX | $0.00 | XX | 03/XX/2025 | XX | 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% | 1.4 | 3CC82ED7-8C0E-42B7-9EBD-B902729BB334 |
| 2000055080 | XX |  | XX | XX | XX | 05/XX/2025 | XX | 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 | 3EFAF320-8B87-419C-A36F-00342B74937B |
| 92300186039 | XX |  | XX | $0.00 | XX | 04/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 06/XX/2025 | XX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 | DD43094F-2F47-4778-B76A-D5EF577286CF |

---

## Exhibit 99.12

**Exhibit 99.12 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 |
|  | **Client Name:** | **New Residential Investment Corp** | **New Residential Investment Corp** | **New Residential Investment Corp** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **Client Project Name:** | **NRMLT 2025-NQM5** | **NRMLT 2025-NQM5** | **NRMLT 2025-NQM5** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **Start - End Dates:** | **5/6/2024 - 6/5/2025** | **5/6/2024 - 6/5/2025** | **5/6/2024 - 6/5/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **Deal Loan Count:** | **118** | **118** | **118** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **ATR QM Upload** | **ATR QM Upload** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | *Loans in Report:* | *118* | *118* | *118* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ASF Loan Number | **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Full Diligence ID** |
| 400081399 | XX | XX | (No Data) | XX | FL | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9676 | Yes | Yes | 0.385 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.43 | 36.43 | 36.43 | 36.43 | 36.43 | 36.43 | No | No | (No Data) | 9150.91 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) | 9F01A4FC-8292-4A53-9825-F6B5C471E505 |
| 400060672 | XX | XX | (No Data) | XX | CA | QM: Rebuttable Presumption (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | (No Data) | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.4180 | Yes | Yes | 1.695 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.8 | 41.8 | 41.8 | 41.8 | 41.8 | 41.8 | No | No | (No Data) | 5355.64 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | D77D6120-94A5-47E5-BEB5-C5BB71FF1ADA |
| 400060667 | XX | XX | (No Data) | XX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | Non-Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.6825 | No | No | 2.08 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.99 | 45.99 | 45.99 | 45.99 | 45.99 | 45.99 | No | No | (No Data) | 6806.98 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter without Income - 48 months;<br> Personal Bank Statements - 13 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 5432A0B8-691B-480C-8A0E-44B22231E905 |
| 400081400 | XX | XX | (No Data) | XX | CT | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.2210 | Yes | Yes | 3.294 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 23.82 | 22.81 | 23.82 | 22.81 | 22.81 | 22.81 | No | No | (No Data) | 12010.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter without Income - 36 months | (No Data) | (No Data) | (No Data) | Entry stamp | (No Data) | (No Data) | (No Data) | F0A341DC-753A-4FE1-B46D-38B6F6585AFB |
| 400084615 | XX | XX | (No Data) | XX | IL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.5880 | Yes | No | 3.001 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.32 | 26.71 | 48.32 | 26.71 | 26.71 | 26.71 | No | No | (No Data) | 6266.38 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) | F7951D73-6CC4-45D1-BDF3-07F758CFFCE3 |
| 400098172 | XX | XX | (No Data) | XX | MA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3542.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6250.00 | No | (No Data) | 1.7644 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | C4889937-684C-4739-93D9-B84B6F702D9C |
| 2000046668 | XX | XX | (No Data) | XX | HI | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.0811 | Yes | Yes | 3.032 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 19.18 | 19.18 | 19.18 | 19.18 | 19.18 | 19.18 | Yes | Yes | Yes | 56101.91 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | BE574BF1-D520-439D-A9E2-F4E97CB0CBB5 |
| 400097191 | XX | XX | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 19.09 | 0 | 19.09 | 19.09 | 19.09 | (No Data) | (No Data) | (No Data) | 70085.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | Yes | Full Recourse | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | Green Card | (No Data) | (No Data) | 4B3DA186-5758-43F8-B3AE-D5C69CE6841D |
| 400097168 | XX | XX | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3143.5 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3200.00 | No | (No Data) | 1.0179 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | Entry stamp | Entry stamp | (No Data) | 5799276D-DA1F-48BD-AD86-90A11DDB16D8 |
| 400098131 | XX | XX | (No Data) | XX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.1586 | Yes | Yes | 2.527 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.51 | 30.5 | 30.51 | 30.5 | 30.5 | 30.5 | No | No | (No Data) | 18370.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | A41F2E28-C3D9-4DE0-B1C8-9B1A929C5369 |
| 400098132 | XX | XX | (No Data) | XX | TX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6424 | Yes | Yes | 1.45 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.62 | 25.65 | 25.62 | 25.65 | 25.65 | 25.65 | Yes | Yes | Yes | 68394.37 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 5EDC67BC-7E8C-4D96-B36A-A75026F42D06 |
| 400097215 | XX | XX | (No Data) | XX | VA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | Permanent Resident Alien | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1026.43 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1500.00 | No | (No Data) | 1.4613 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | 577A1F58-D9E1-49F2-A45F-CC3E8F99F3CD |
| 400097048 | XX | XX | (No Data) | XX | VA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | Permanent Resident Alien | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1027.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1500.00 | No | (No Data) | 1.4603 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | 140F6E01-E50C-452C-9801-B88EC02907E1 |
| 400097050 | XX | XX | (No Data) | XX | VA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | Permanent Resident Alien | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1042.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1500.00 | No | (No Data) | 1.4393 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | 30D388F6-8E0F-4565-BDFC-7175DD6113D7 |
| 400098160 | XX | XX | (No Data) | XX | NV | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | (No Data) | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.3233 | Yes | Yes | 2.998 | Unavailable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 10.43 | 10.61 | 10.43 | 10.61 | 10.61 | 10.61 | No | No | (No Data) | 114796.37 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Personal Bank Statements - 6 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 423ACFB5-B56B-40C0-A72A-1FB395CC10C8 |
| 400098137 | XX | XX | (No Data) | XX | TX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.4931 | Yes | Yes | 3.365 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 21.13 | 21.14 | 21.13 | 21.14 | 21.14 | 21.14 | Yes | Yes | Yes | 40150.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months | (No Data) | (No Data) | (No Data) | Green Card | Green Card | (No Data) | (No Data) | 1EE7BCA0-95C2-44B1-9BE1-E3FD6AF2922A |
| 400098209 | XX | XX | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1507.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1850.00 | No | (No Data) | 1.2275 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | AB63C2A5-8108-4652-A7AE-7C402260C991 |
| 400097186 | XX | XX | (No Data) | XX | NC | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (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 | No | 1 | 8.1482 | Yes | Yes | 2.157 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.98 | 19.98 | 19.98 | 19.98 | 19.98 | 19.98 | No | No | (No Data) | 40044.24 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 180 | No | (No Data) | Yes | 180 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 180 months | Business Bank Statements - 12 months;<br> CPA Letter without Income - 180 months | (No Data) | (No Data) | Employment Authorization Document | Employment Authorization Document | (No Data) | (No Data) | BB9A4D23-E82B-4607-B9BC-FE8DAAF3AC2A |
| 400098141 | XX | XX | (No Data) | XX | HI | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.0904 | Yes | Yes | 3.611 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.28 | 28.12 | 28.28 | 28.12 | 28.12 | 28.12 | Yes | Yes | Yes | 75293.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 7BCFAE09-B8F1-4FC4-9209-63A0C81F59A5 |
| 400098212 | XX | XX | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2086.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.0542 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0D8B5E03-67F0-4B97-92FC-0360543561C2 |
| 400098214 | XX | XX | (No Data) | XX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 7.39 | 0 | 7.39 | 7.39 | 7.39 | (No Data) | (No Data) | (No Data) | 68449.12 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) | B513235C-5A9B-4638-9AF1-F14487A69807 |
| 2000048522 | XX | XX | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2837.16 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.0573 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | F561A39C-B770-41D5-B333-1085BFA46848 |
| 400098224 | XX | XX | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3351.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3500.00 | No | (No Data) | 1.0443 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | F1EFA461-8B62-49F4-AFD1-75DD15764AE5 |
| 400098227 | XX | XX | (No Data) | XX | AZ | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1084.89 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1550.00 | No | (No Data) | 1.4287 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | B2F5DA69-0267-47C3-BE02-BAC8BEE5CD55 |
| 400098165 | XX | XX | (No Data) | XX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.2534 | No | No | 3.391 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.27 | 48.27 | 48.27 | 48.27 | 48.27 | 48.27 | No | No | (No Data) | 7583.29 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) | DBC3CD33-6C99-4835-944C-70266EDDDE53 |
| 2000048932 | XX | XX | (No Data) | XX | OK | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.5190 | No | No | 4.494 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.9 | 49.69 | 49 | 49.69 | 49.69 | 49.69 | Yes | Yes | Yes | 1896.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1CDF34BF-2CCF-4B9C-B201-ECCEB5EC8763 |
| 400098260 | XX | XX | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 48.07 | 0 | 48.07 | 48.07 | 48.07 | (No Data) | (No Data) | (No Data) | 10753.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 240 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 240 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 240 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 240 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 3D2EB779-E7D3-4DF6-80DE-2AEF7C4FFC42 |
| 400098242 | XX | XX | (No Data) | XX | AZ | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1721.37 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2900.00 | No | (No Data) | 1.6846 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 294BA0C8-D026-4DB1-B2F7-C87504F8D398 |
| 400098148 | XX | XX | (No Data) | XX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.6190 | Yes | Yes | 3.435 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27.27 | 27.27 | 27.27 | 27.27 | 27.27 | 27.27 | No | No | (No Data) | 10540.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 156 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | B7A9D9B1-5C1D-4D3F-8BDE-073D1549094B |
| 2000049381 | XX | XX | (No Data) | XX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.1649 | No | No | 3.654 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.39 | 49 | 49.39 | 49 | 49 | 49 | No | No | (No Data) | 4262.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 03E72500-EC0A-4DB3-8083-4FCF8EBEDA41 |
| 2000049388 | XX | XX | (No Data) | XX | WA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 6.58 | 0 | 6.58 | 6.58 | 6.58 | (No Data) | (No Data) | (No Data) | 164640.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 049FC095-EE03-4644-B7D3-A54E5FF0B765 |
| 2000049508 | XX | XX | (No Data) | XX | FL | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | 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 | 7.5499 | No | Yes | 2.63 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -8344.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 7 | Yes | 7 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 7 months | Personal Bank Statements - 7 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 688A7D63-DB9D-4111-A397-82E5C3E25948 |
| 2000049790 | XX | XX | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1740.34 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1550.00 | No | (No Data) | 0.8906 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | ADAF949A-DC4B-46E8-BBDF-44B6171EA090 |
| 2000049854 | XX | XX | (No Data) | XX | IN | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1330.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 1.3533 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1794F1C0-F89E-4B6A-90A0-C4CA3EAAB819 |
| 2000050073 | XX | XX | (No Data) | XX | AZ | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1688.5 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.3029 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 6D862482-E87A-418F-99F8-595708B8E36F |
| 2000050191 | XX | XX | (No Data) | XX | WA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 6.54 | 0 | 6.54 | 6.54 | 6.54 | (No Data) | (No Data) | (No Data) | 162450.36 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 30078EED-D64C-475D-9FBE-6856915AAB6A |
| 2000050197 | XX | XX | (No Data) | XX | WA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 6.56 | 0 | 6.56 | 6.56 | 6.56 | (No Data) | (No Data) | (No Data) | 164759.4 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 6518AACB-9013-43B8-AA0E-38D155BB7B17 |
| 2000050306 | XX | XX | (No Data) | XX | CT | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -11013.54 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 13600.00 | No | (No Data) | 1.2348 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | E4C5B3F0-3C34-4DD8-85AF-C35D092F4B1D |
| 2000050339 | XX | XX | (No Data) | XX | TX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2464 | No | Yes | 2.367 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.69 | 48.81 | 41.69 | 48.81 | 48.81 | 48.81 | No | No | (No Data) | 15222.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 16 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 16 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0E97A3C3-ED0A-4A92-A311-FF280452F04F |
| 2000050709 | XX | XX | (No Data) | XX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.0382 | Yes | Yes | 4.228 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.39 | 41.39 | 41.39 | 41.39 | 41.39 | 41.39 | Yes | Yes | Yes | 5362.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | Work Visa | Work Visa | (No Data) | (No Data) | B6E78ADB-B887-4BF3-9971-87E4371D4A3F |
| 2000050983 | XX | XX | (No Data) | XX | MD | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (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 | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 8.2500 | No | No | 0.917 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2590.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2600.00 | No | (No Data) | 1.0036 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | EC96CB58-49C3-4DDA-B0EA-10463125DC2E |
| 2000051247 | XX | XX | (No Data) | XX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.4196 | No | No | 2.902 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.2 | 47.22 | 44.2 | 44.2 | 44.2 | 44.2 | No | No | (No Data) | 15101.53 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | E942575C-15C5-4E35-8ADE-08F2453A5157 |
| 2000051265 | XX | XX | (No Data) | XX | TN | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (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 | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -14029.49 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 15595.20 | No | (No Data) | 1.1116 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 92A2A193-F51F-4F6B-B49F-2AE48FF20B36 |
| 2000051269 | XX | XX | (No Data) | XX | WA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 46.29 | 0 | 46.29 | 46.29 | 46.29 | (No Data) | (No Data) | (No Data) | 4450.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | 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) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 13 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | D88140A8-30BE-4857-B932-209C75BF038A |
| 2000051330 | XX | XX | (No Data) | XX | IL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3037.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3200.00 | No | (No Data) | 1.0534 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 029D61C9-7A55-4044-B5F0-AEBFC3F87429 |
| 2000051493 | XX | XX | (No Data) | XX | IL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2759.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3300.00 | No | (No Data) | 1.1957 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | B9EF7281-FEF1-4CD5-8E80-FF9B3BFADAB6 |
| 2000051566 | XX | XX | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9990 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 34.62 | 0 | 34.62 | 34.62 | 35.35 | (No Data) | (No Data) | (No Data) | 14401.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | F2C1D1FB-0349-461C-B666-66D3B2B2689D |
| 2000051582 | XX | XX | (No Data) | XX | FL | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | Non-Permanent Resident Alien | (No Data) | (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 | No | 1 | 7.2401 | Yes | Yes | 0.123 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.46 | 23.46 | 23.46 | 23.46 | 23.46 | 23.46 | No | No | (No Data) | 38404.25 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months | (No Data) | (No Data) | (No Data) | Entry stamp | (No Data) | (No Data) | (No Data) | 87A8B878-0B80-41D6-AFAA-F3EAB02CFEC4 |
| 2000051643 | XX | XX | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2600.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5200.00 | No | (No Data) | 1.9993 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | A64CD3E3-66B8-457C-86E6-D1227EDFFEE9 |
| 2000051651 | XX | XX | (No Data) | XX | NH | QM: Rebuttable Presumption (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.4656 | Yes | Yes | 1.917 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.34 | 25.34 | 25.34 | 25.34 | 25.34 | 25.34 | Yes | Yes | Yes | 18558.36 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 7DE88407-8B0B-4A38-84B8-78AD66483095 |
| 2000051891 | XX | XX | (No Data) | XX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | XX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1441 | No | No | 2.713 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.89 | 49.89 | 49.89 | 49.89 | 49.89 | 49.89 | No | No | (No Data) | 5072.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 60 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | F9512DA2-3ADF-410C-9788-C0260EA515EA |
| 2000051977 | XX | XX | (No Data) | XX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2783.46 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4666.66 | No | (No Data) | 1.6765 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | BCBB4A2B-3DD5-48F8-B7D1-0EB871F6C534 |
| 2000051995 | XX | XX | (No Data) | XX | IL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.2703 | Yes | Yes | 3.328 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 23.16 | 24.59 | 23.16 | 24.59 | 24.59 | 24.59 | No | No | (No Data) | 8932.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 16625082-32B4-49D0-97B5-8395F4A17AAD |
| 2000052001 | XX | XX | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2972.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5600.00 | No | (No Data) | 1.8837 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | A628E67C-215A-42EC-8578-2DC6F52DBFD0 |
| 2000052033 | XX | XX | (No Data) | XX | MD | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.1281 | Yes | Yes | 3.293 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.69 | 40.69 | 40.69 | 40.69 | 40.69 | 40.69 | No | No | (No Data) | 9661.71 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | W2 - 24 months;<br> Written VOE - 12 months | Award Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months | Award Letter - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 2E797FB5-6EDC-4139-B74C-77E706EB24FE |
| 2000052086 | XX | XX | (No Data) | XX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1933.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2450.00 | No | (No Data) | 1.2668 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 4B30CA63-0C29-4351-AC49-0EB77ABD2A91 |
| 2000052130 | XX | XX | (No Data) | XX | FL | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5585 | Yes | Yes | 2.707 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.49 | 19.48 | 19.49 | 19.48 | 19.48 | 19.48 | No | No | (No Data) | 23489.62 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | DE40315A-D238-4881-9067-36B93850B5F6 |
| 2000052167 | XX | XX | (No Data) | XX | TX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.9841 | Yes | Yes | 2.903 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.42 | 31.42 | 31.42 | 31.42 | 31.42 | 31.42 | No | No | (No Data) | 52572.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | D3F73767-F816-45D1-A2C8-5D1E8CAEEC34 |
| 2000052201 | XX | XX | (No Data) | XX | VA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1299.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1900.00 | No | (No Data) | 1.4617 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | D799EED5-CE11-485F-91A5-CF87B2CCEBF0 |
| 2000052239 | XX | XX | (No Data) | XX | LA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3005.24 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3600.00 | No | (No Data) | 1.1979 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | E94184FD-D4A2-455E-80B3-2013743D773E |
| 2000052274 | XX | XX | (No Data) | XX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2038.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 1.0301 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 54DBA9CA-2409-405F-9D9E-65D5FCB9E36B |
| 2000052282 | XX | XX | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 14.4 | 0 | 14.4 | 14.4 | 14.4 | (No Data) | (No Data) | (No Data) | 41251.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 68EFAB5E-0302-4801-A47E-B45C3796E798 |
| 2000052307 | XX | XX | (No Data) | XX | NC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -847.2 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1500.00 | No | (No Data) | 1.7705 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | E5B44F7A-A7E4-492C-87B2-B9BE668D44B9 |
| 2000052349 | XX | XX | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5166.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5630.00 | No | (No Data) | 1.0896 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | DDB53B6F-B66B-4C29-BF44-4F671A32F2DA |
| 2000052397 | XX | XX | (No Data) | XX | UT | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1071.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2300.00 | No | (No Data) | 2.1474 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | B471653C-1EED-4504-A749-566D0DF47FF8 |
| 2000052434 | XX | XX | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2898.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2900.00 | No | (No Data) | 1.0005 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | C5F562B3-7003-4501-AE57-B4686259B2A4 |
| 2000052465 | XX | XX | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1733.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 1.2112 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | B3A63312-26E1-4E70-9D63-4F7816D8F6FD |
| 2000052492 | XX | XX | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1251 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3112.38 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3500.00 | No | (No Data) | 1.1245 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 8294772B-7487-4CAA-BEF9-1B1ED178E008 |
| 2000052494 | XX | XX | (No Data) | XX | HI | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6333.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | Yes | Full Recourse | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 10800.00 | No | (No Data) | 1.7054 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | 80F750A7-2F78-49E8-8BDF-7AE19B0ED19A |
| 2000052570 | XX | XX | (No Data) | XX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1955.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2400.00 | 1.2270 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | E06A9CD2-5D2E-4563-9B24-8321F55F7458 |
| 2000052637 | XX | XX | (No Data) | XX | PA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.9990 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1737.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1850.00 | No | (No Data) | 1.0647 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 81DCCF8D-73F9-4238-931A-5CFDF784947D |
| 2000052654 | XX | XX | (No Data) | XX | MD | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9581 | Yes | Yes | 2.608 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.06 | 23.06 | 23.06 | 23.06 | 23.06 | 23.06 | Yes | Yes | Yes | 59964.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | EA1742D0-16B9-4756-B7FB-62B6829EBD6E |
| 2000052670 | XX | XX | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3983.32 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 0.7531 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | BD20BCBC-1C40-4C0E-A8D0-DF847AE5E8E7 |
| 2000052673 | XX | XX | (No Data) | XX | ID | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5040 | No | No | 2.473 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.21 | 47.13 | 43.21 | 47.13 | 47.13 | 47.13 | Yes | Yes | Yes | 15425.43 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 4 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 4 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 825BAFD7-AA0F-4577-9F06-C5071CE00261 |
| 2000052677 | XX | XX | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3970.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3300.00 | No | (No Data) | 0.8310 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Work Visa | (No Data) | (No Data) | (No Data) | 00DBDC1E-0B8A-4619-8C1D-D60E6F5279F9 |
| 2000052685 | XX | XX | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1768.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.1309 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 7C20AA61-C5A8-48E1-BA7F-08F70DF2BBE4 |
| 2000052697 | XX | XX | (No Data) | XX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.0120 | Yes | Yes | 1.27 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.97 | 19.81 | 19.97 | 19.81 | 19.81 | 19.81 | Yes | Yes | Yes | 101124.62 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> IRS Transcripts – W2(s) - 12 months;<br> Paystub - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | EF172BC0-1DE9-44BF-ACFF-87DC9CA44231 |
| 2000052771 | XX | XX | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 15.46 | 0 | 15.46 | 15.46 | 15.46 | (No Data) | (No Data) | (No Data) | 50072.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | BA41CDCF-786E-402C-AD85-DE505A3F5F19 |
| 2000052787 | XX | XX | (No Data) | XX | SC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 19.51 | 0 | 19.51 | 19.51 | 19.51 | (No Data) | (No Data) | (No Data) | 21215.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0770F020-E3B6-422D-84B1-0DB824C5F3E5 |
| 2000052829 | XX | XX | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1342.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.4893 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 5C8A5C90-46CD-4001-9A5B-1FC3AEDB701F |
| 2000052886 | XX | XX | (No Data) | XX | PA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (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 | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2023.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3450.00 | No | (No Data) | 1.7050 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | E543E6B1-FB61-40F8-B280-E0EBFE00FBA8 |
| 2000053021 | XX | XX | (No Data) | XX | CA | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor | XX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7704 | No | No | 2.676 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 52.02 | 52.02 | 52.02 | 52.02 | 52.02 | 52.02 | Yes | Yes | Yes | 13059.54 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 254 months | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | D8F43F1A-22EE-4EBD-AFDD-AFB542019EFE |
| 2000053083 | XX | XX | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3167.46 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4200.00 | No | (No Data) | 1.3259 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 287A96C9-280A-4C6C-8AF7-FDB06BF15D82 |
| 2000053133 | XX | XX | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2263.59 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3530.00 | No | (No Data) | 1.5594 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 4C44F06B-A4D8-4102-94D9-A49DE29CEAB3 |
| 2000053134 | XX | XX | (No Data) | XX | NJ | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8289.04 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 10000.00 | No | (No Data) | 1.2064 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | DC542995-0B8C-4B20-9240-0079E75C10FD |
| 2000053198 | XX | XX | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2123.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3500.00 | No | (No Data) | 1.6478 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 88D2A7AA-8B07-482B-8ED1-EE109C41376E |
| 2000053200 | XX | XX | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3230.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3250.00 | No | (No Data) | 1.0060 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | E8D6E9C7-F8B7-4A79-B2F9-4D042468E55E |
| 2000053208 | XX | XX | (No Data) | XX | FL | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9406 | No | Yes | 2.681 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -2886.12 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 6 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 06DA7BD0-D9B6-4120-8364-FD29F0D99513 |
| 2000053255 | XX | XX | (No Data) | XX | WI | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.9636 | No | Yes | 3.207 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -1743.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 6 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 8593F382-7F1B-4079-BAFF-59B4BBF0A75E |
| 2000053333 | XX | XX | (No Data) | XX | OR | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | Permanent Resident Alien | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2127.52 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2900.00 | No | (No Data) | 1.3630 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | 10A89576-3663-47BE-A65E-2748E4B55D5F |
| 2000053378 | XX | XX | (No Data) | XX | WA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6250 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 7.58 | 0 | 7.58 | 7.58 | 7.58 | (No Data) | (No Data) | (No Data) | 9791.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 4 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 4 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 47EAD978-A586-4C41-8DB5-B46A1FC8A8AB |
| 2000053397 | XX | XX | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6762.83 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4400.00 | No | (No Data) | 0.6506 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 55463BDE-AF08-4112-B1C3-FDF503E8EEB7 |
| 2000053442 | XX | XX | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2588.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1950.00 | No | (No Data) | 0.7532 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 148A5A0E-B0C2-4BB8-BEA1-40B20E9BA484 |
| 2000053448 | XX | XX | (No Data) | XX | AZ | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.3491 | Yes | Yes | 3.609 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 21.35 | 21.35 | 21.35 | 21.35 | 21.35 | 21.35 | No | No | (No Data) | 6704.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | F6CB9A53-B346-443A-9959-0763CB67ED76 |
| 2000053545 | XX | XX | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3584.52 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2800.00 | No | (No Data) | 0.7811 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | AA3E3368-F356-4923-A66E-CD251F746186 |
| 2000053591 | XX | XX | (No Data) | XX | CA | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (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 | 7.3311 | No | Yes | 2.07 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Not Applicable | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | No | Yes | Yes | -7008.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 15A0AE0D-3035-4DC7-81A4-899F82CC007D |
| 2000053648 | XX | XX | (No Data) | XX | OK | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1766.43 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1825.00 | No | (No Data) | 1.0331 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 40B37026-F006-46BD-AB5E-B63A3C55CB1C |
| 2000053655 | XX | XX | (No Data) | XX | FL | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7932 | Yes | Yes | 2.512 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 5.79 | 5.79 | 5.79 | 5.79 | 5.79 | 5.79 | Yes | Yes | Yes | 106704.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | EA020963-CDF0-4800-A038-E69BC0006169 |
| 2000053681 | XX | XX | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2953.59 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.0157 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 16108112-D557-494F-8A16-EB6C0C14D771 |
| 2000053719 | XX | XX | (No Data) | XX | TX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.0739 | Yes | Yes | 4.6 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.79 | 38.78 | 38.79 | 38.78 | 38.78 | 38.78 | No | No | (No Data) | 48004.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 120 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 120 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 86C36AF3-A9C1-43E5-B99A-9438C85E9F9E |
| 2000053731 | XX | XX | (No Data) | XX | IL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1569.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1700.00 | No | (No Data) | 1.0829 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 238FF3FF-8981-436A-B130-F9AB0BD2710F |
| 2000053853 | XX | XX | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2641.41 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.1357 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | DD73C63C-5B58-4F2C-96B3-2625B4022C99 |
| 2000053999 | XX | XX | (No Data) | XX | CA | QM: Rebuttable Presumption (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.5560 | Yes | Yes | 1.533 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.6 | 35.6 | 35.6 | 35.6 | 35.6 | 35.6 | Yes | Yes | Yes | 54940.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 72 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | C4D35D5F-D684-4A59-9861-8706FA12F952 |
| 2000054015 | XX | XX | (No Data) | XX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1880.11 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 1.1169 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | CCF34269-4ED1-45AF-802B-2661CB7CEAE0 |
| 2000054087 | XX | XX | (No Data) | XX | NC | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.5189 | Yes | Yes | 2.186 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.78 | 42.83 | 42.83 | 42.83 | 42.83 | 42.83 | No | No | (No Data) | 7282.3 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 35732081-CAA4-41B9-A6DE-ED13DEF06EAD |
| 2000054156 | XX | XX | (No Data) | XX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.3206 | Yes | Yes | 3.384 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.21 | 39.21 | 39.21 | 35.76 | 35.76 | 39.21 | Yes | Yes | Yes | 20054.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 213B1431-F890-4F9E-9D4D-DF84466754E0 |
| 2000054184 | XX | XX | (No Data) | XX | HI | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9636 | Yes | Yes | 1.094 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.78 | 20.78 | 20.48 | 20.78 | 20.78 | 20.78 | Yes | Yes | Yes | 55381.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 3 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> P & L - 3 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 428A80A0-CE5C-4B52-8320-E0079112B5D8 |
| 2000054189 | XX | XX | (No Data) | XX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9204 | Yes | Yes | 2.106 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 12.18 | 12.18 | 12.18 | 12.18 | 12.18 | 12.18 | Yes | Yes | Yes | 268018.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 15 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> P & L - 15 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 8A32EDFB-A802-4123-A33B-5AAD30C2514E |
| 2000054195 | XX | XX | (No Data) | XX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9070 | Yes | Yes | 2.572 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.62 | 28.6 | 28.62 | 28.6 | 28.6 | 28.6 | Yes | Yes | Yes | 15157.64 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | AC6AA178-77AA-45A9-B60A-C71AF5A77FD8 |
| 2000054217 | XX | XX | (No Data) | XX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4865 | No | Yes | 2.137 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -5784.49 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 3 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 66C34856-3892-45DE-A8CD-8B240171DE83 |
| 2000054248 | XX | XX | (No Data) | XX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (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 | 8.0001 | No | No | 2.125 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.34 | 49.34 | 49.34 | 49.34 | 49.34 | 49.34 | Yes | Yes | Yes | 23640.9 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 8F082AC2-AF41-48F6-828D-DB6715F54E85 |
| 2000054277 | XX | XX | (No Data) | XX | MI | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Primary | Site Condo | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9070 | No | No | 2.638 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.01 | 46.84 | 47.01 | 46.84 | 46.84 | 46.84 | No | No | (No Data) | 13024.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 96 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 96 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | D070F80E-F9F6-43B8-8864-995083678CF8 |
| 2000054322 | XX | XX | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (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% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4557.2 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4100.00 | No | (No Data) | 0.8996 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Other | Other | (No Data) | (No Data) | D1077D7A-8A75-40DB-8544-F70735B49582 |
| 2000054386 | XX | XX | (No Data) | XX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1445.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1500.00 | No | (No Data) | 1.0373 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 623987D1-9F30-4CB5-AF79-96EC4528777F |
| 2000054504 | XX | XX | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2011.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2700.00 | No | (No Data) | 1.3421 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | A3F9AC43-2F63-4722-BD51-7C82F5983CCC |
| 2000054979 | XX | XX | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1646.52 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1585.00 | No | (No Data) | 0.9626 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 3CC82ED7-8C0E-42B7-9EBD-B902729BB334 |
| 2000055080 | XX | XX | (No Data) | XX | FL | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2467 | Yes | Yes | 1.166 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.71 | 31.71 | 31.71 | 31.71 | 31.71 | 31.71 | Yes | Yes | Yes | 59617.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 3EFAF320-8B87-419C-A36F-00342B74937B |
| 92300186039 | XX | XX | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.3740 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 32.86 | 0 | 32.86 | 32.86 | 32.86 | (No Data) | (No Data) | (No Data) | 45756.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | DD43094F-2F47-4778-B76A-D5EF577286CF |
|  | <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

**Exhibit 99.12 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Client Name:** | **New Residential Investment Corp** | **New Residential Investment Corp** | **New Residential Investment Corp** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **Client Project Name:** | **NRMLT 2025-NQM5** | **NRMLT 2025-NQM5** | **NRMLT 2025-NQM5** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **Start - End Dates:** | **5/6/2024 - 6/5/2025** | **5/6/2024 - 6/5/2025** | **5/6/2024 - 6/5/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **Deal Loan Count:** | **118** | **118** | **118** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | ***Loans in Report:*** | *118* | *118* | *118* | *118* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | ***Loans with Conditions:*** | *77* | *77* | *77* | *77* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ASF Loan Number | **Loan Number** | **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** | **ConditionSub 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** | **Full Diligence ID** |
| 400081399 | XXX | XX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Property Valuations | FEMA | Active | B | B | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Provide the Post Disaster Inspection for Hurricane XX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 11.83 months PITIA is 5.83 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 723 is 63 points above the 660 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 36.43% is 13.57% below the 50% allowed for the program. | 9F01A4FC-8292-4A53-9825-F6B5C471E505 |
| 400060672 | XXX | XX | CA | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe Harbor (APOR); Clayton status is Rebuttable Presumption APOR based on Benchmark Date 4/XX/2024; loan has Test APR of 8.418%; the Benchmark Rate is 6.860%; Variance 1.558%;maximum allowed is 1.5000%. | 5.7.24 Client response; We accept the determination on this and please clear the exception.5.7.24 Clayton memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon Claytons review. | 5.7.24 Clayton memo; exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 8 years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 751 credit score; 660 minimum required score | D77D6120-94A5-47E5-BEB5-C5BB71FF1ADA |
| 400060672 | XXX | XX | CA | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Provide List of homeowners counseling organizations issued within 3 business days of application. | 5.7.24-Client provided Homeowner list issued 4/xx/24. Exception satisfied. | 5.7.24-Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 8 years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 751 credit score; 660 minimum required score | D77D6120-94A5-47E5-BEB5-C5BB71FF1ADA |
| 400060672 | XXX | XX | CA | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Ability to Repay/Qualified Mortgage | Active | B | B | B | B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | Client agreed to QM rebuttable APOR status based upon Clayton review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 8 years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 751 credit score; 660 minimum required score | D77D6120-94A5-47E5-BEB5-C5BB71FF1ADA |
| 400060667 | XXX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | 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: Assets: $56,676.57 post close reserves, 10.90 month PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 exceeds 660 requirement<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.99% below 55% requirement | 5432A0B8-691B-480C-8A0E-44B22231E905 |
| 400081400 | XXX | XX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $52,687.32, or 15.48 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below guideline maximum of 90% for an Alt Doc purchase with a 702 credit core<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per state registration borrower has been in business since 7/13/2017. | F0A341DC-753A-4FE1-B46D-38B6F6585AFB |
| 400084615 | XXX | XX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months housing history. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Maximum DTI 50%, current DTI 26.71%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has no history of late payments<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6 months reserves required , borrower has 12.81 months | F7951D73-6CC4-45D1-BDF3-07F758CFFCE3 |
| 400098172 | XXX | XX | MA | (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: 60% LTV; max 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $417646.21 reserves from cash out; $0 reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 qual score; min 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 38mo. 0X30 mortgage payment history; 0x30x12 required. | C4889937-684C-4739-93D9-B84B6F702D9C |
| 2000046668 | XXX | XX | HI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 8 years 1 month at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 13 months PITIA is 7 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 746 is 86 points above the 660 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 19.18% is 30.82% below the 50% allowed for the program. | BE574BF1-D520-439D-A9E2-F4E97CB0CBB5 |
| 400097191 | XXX | XX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 73+ Months positive pay history<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 107+ Months positive Consumer Pay History | 4B3DA186-5758-43F8-B3AE-D5C69CE6841D |
| 400097168 | XXX | XX | FL | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | LTV/CLTV | Active | C | B | C | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Guidelines for Foreign Nationals only allow the LTV to 70% for Cash-Out Refinances. Loan to value is 75%. | 3.xx.2025-Upon further review Clayton deems this non-material due to the following compensating factors borrowers is a seasoned investor, 5 years at current residence, 9.61 months in reserves. | 3.05.2025-Clayton deems this non-material. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $30,202.77, or 9.61 months. 6 months required.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit reference letter from Banco Davivienda borrower has been in good standing since 7/6/2012.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 5 years | 5799276D-DA1F-48BD-AD86-90A11DDB16D8 |
| 400098131 | XXX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | 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: $181,063.89 or 33.63 months PITI reserves; guidelines require 6 months reserves.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 10 years in the same profession<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.50% DTI; 50% maximum DTI | A41F2E28-C3D9-4DE0-B1C8-9B1A929C5369 |
| 400098132 | XXX | XX | TX | QM: Safe Harbor (APOR) | 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: 724 qualifying score exceeds 660 requirements<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 5 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.83% LTV < guideline maximum of 80% | 5EDC67BC-7E8C-4D96-B36A-A75026F42D06 |
| 400097215 | XXX | XX | VA | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Permanent Resident Card in file is Expired | 3.xx.2025 Client responded - I-90 form uploaded, permanent resident card has is valid. Please clear condition.3.xx.2025 Client provided the form I-90 request replacement of Permanent Resident card. Exception satisfied . | 3.12.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 16 Months Reserves<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 64+ Months positive Mortgage History | 577A1F58-D9E1-49F2-A45F-CC3E8F99F3CD |
| 400097215 | XXX | XX | VA | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Cash Out Letter | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 16 Months Reserves<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 64+ Months positive Mortgage History | 577A1F58-D9E1-49F2-A45F-CC3E8F99F3CD |
| 400097048 | XXX | XX | VA | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Application | Satisfied | C | A | C | A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing complete Dataverify report. Missing OFAC and Watchlist verifications. | 3.xx.2025 Client responded - Fraud report has been uploaded, please clear condition.3.xx.2025 Client provided the Data Verify report for Guarantor. Exception satisfied | 3.10.2025 Exception satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75% is below the maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 727 exceeds the minimum of 680<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Subject property Payment reduced by $3893.77 or 79.13%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $28561.89, 27.81 months reserves, 6 months required | 140F6E01-E50C-452C-9801-B88EC02907E1 |
| 400097048 | XXX | XX | VA | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Provide a current Resident Alien card. One provided expired 10/XX/24. | 3.xx.2025 Client responded - I-90 form uploaded, permanent resident card is valid. Please clear condition.3.xx.2025 Client provided I-90 Form to replace Permanent Resident Card. Exception satisfied | 3.12.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75% is below the maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 727 exceeds the minimum of 680<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Subject property Payment reduced by $3893.77 or 79.13%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $28561.89, 27.81 months reserves, 6 months required | 140F6E01-E50C-452C-9801-B88EC02907E1 |
| 400097048 | XXX | XX | VA | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing documentation December payment made for xx, primary residence mortgage. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75% is below the maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 727 exceeds the minimum of 680<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Subject property Payment reduced by $3893.77 or 79.13%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $28561.89, 27.81 months reserves, 6 months required | 140F6E01-E50C-452C-9801-B88EC02907E1 |
| 400097048 | XXX | XX | VA | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Clarification on the correct lot #s that have been secured. Per title, the subject lot numbers are 12A & 12 B however Deed of Trust legal description states lots 13A and 13B are secured to subject transaction. | 3.xx.25 The correct lots are 12A and 12B, copy of the recorded Deed of Trust showing the correct lots has been uploaded.3.xx.25 exception satisfied | 3.11.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75% is below the maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 727 exceeds the minimum of 680<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Subject property Payment reduced by $3893.77 or 79.13%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $28561.89, 27.81 months reserves, 6 months required | 140F6E01-E50C-452C-9801-B88EC02907E1 |
| 400097050 | XXX | XX | VA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Permanent Resident Card Expired. | 3.xx.2025 Client responded - I-90 form uploaded, permanent resident card is valid. Please clear condition.3.xx.2025 Client provided the I90 form requesting replacement of Permanent Resident Card. Exception satisfied | 3.12.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 27 Months Reserves<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 64+ Months positive Mortgage History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 125+ Months reporting positive | 30D388F6-8E0F-4565-BDFC-7175DD6113D7 |
| 400097050 | XXX | XX | VA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Cash Out Letter | 3.xx.2025 Client responded - Cash out letter has been uploaded, please clear condition.3.xx.2025 Client provided LOE for cash out. Exception satisfied | 3.12.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 27 Months Reserves<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 64+ Months positive Mortgage History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 125+ Months reporting positive | 30D388F6-8E0F-4565-BDFC-7175DD6113D7 |
| 400098160 | XXX | XX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 788 median FICO. Minimum required 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: No reserves required for <=65% LTV. Verified $295,717.87 reserves with cash out proceeds.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified 14.90% DTI. Max allowed 43%. | 423ACFB5-B56B-40C0-A72A-1FB395CC10C8 |
| 400098137 | XXX | XX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 9 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 21.14% is 28.86% below the 50% allowed for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7 years 10 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 14 months PITIA is 8 months greater than the 6 months reserves required. | 1EE7BCA0-95C2-44B1-9BE1-E3FD6AF2922A |
| 400098209 | XXX | XX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing Hazard Insurance in file. | 3.xx.25 please find the haz ins.3.xx.25 exception satisfied | 3.12.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 57.38% is 22.62% below the 80% LTV allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 42 months PITIA vs 0 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 809 is 189 points above the 620 FICO required for the program. | AB63C2A5-8108-4652-A7AE-7C402260C991 |
| 400097186 | XXX | XX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 12 Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 25+ Months Consumer Credit reporting | BB9A4D23-E82B-4607-B9BC-FE8DAAF3AC2A |
| 400098141 | XXX | XX | HI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC806 | Notary Status is missing | No | Mortgage is missing Notary signature, information and date. | 3.xx.25 A copy of the executed mortgage with the legal description has been uploaded3.xx.25 exception satisfied | 3.11.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 10+ years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 709 qualifying score exceeds 660 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $299,652.67 reserves in file or 20.65 months PITI > required guidelines | 7BCFAE09-B8F1-4FC4-9209-63A0C81F59A5 |
| 400098141 | XXX | XX | HI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC869 | Mortgage not signed | No | Mortgage is missing Borrower signature | 3.xx.25 A copy of the executed mortgage with the legal description has been uploaded3.xx.25 exception satisfied | 3.11.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 10+ years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 709 qualifying score exceeds 660 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $299,652.67 reserves in file or 20.65 months PITI > required guidelines | 7BCFAE09-B8F1-4FC4-9209-63A0C81F59A5 |
| 400098212 | XXX | XX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1. | 3.xx.2025-Client's response: March 5th 2025, 2:21:25 pmFinal settlement statement has been uploaded, please clear condition.3.xx.2025-Clayton's response: Received the Final HUD1, exception satisfied. | 3.06.2025-Exception satisified. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 729 exceeds the minimum of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75% is below the maximum of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $99193.52, 47.53 months reserves, 6 months required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99 months reviewed for primary residence mtg exceeds the 12 months required | 0D8B5E03-67F0-4B97-92FC-0360543561C2 |
| 400098214 | XXX | XX | GA | (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: 14 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Excellent Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 167+ Months reporting positive | B513235C-5A9B-4638-9AF1-F14487A69807 |
| 2000048522 | XXX | XX | CA | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH104 | Credit score below guidelines | No | Credit score of 622 is below the minimum credit score of 700 when borrower has 1x30 mortgage late pay in the last 12 months.Clayton deems this non-material due to compensating factors of LTV is 24.71 % with DSCR at 1.0573. | (No Data) | Exception has been deemed non-material and re-graded to a B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 32 months PITIA vs 0 months reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 27.45% is 42.55% below the 70% LTV allowed for the program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years at current residence. | F561A39C-B770-41D5-B333-1085BFA46848 |
| 2000048522 | XXX | XX | CA | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing Condo HOA Certificate/Questionnaire in file. | 5.xx.25 HOA questionnaire has been provided,5.xx.25 exception satisfied | 5.30.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 32 months PITIA vs 0 months reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 27.45% is 42.55% below the 70% LTV allowed for the program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years at current residence. | F561A39C-B770-41D5-B333-1085BFA46848 |
| 400098224 | XXX | XX | 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: 651 credit score; 620 minimum required score<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit reflects 0x30x22 mortgage payment history<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 33.65% LTV; 70% maximum LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $206,998.14 post close reserves, 61.76 months PITIA; 0 required reserves | F1EFA461-8B62-49F4-AFD1-75DD15764AE5 |
| 400098227 | XXX | XX | AZ | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 3.xx.25 Final settlement statement has been provided3.xx.25 exception satisfied | 3.12.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.50% LTV; max 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 751 qual score; min 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $98,340.45 reserves from cash out; $1084.89\*6= $6509.34 reserves required. | B2F5DA69-0267-47C3-BE02-BAC8BEE5CD55 |
| 400098165 | XXX | XX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH117 | Length of credit history in file does not meet guideline requirement | No | Per guides; All collections and charge-offs must be paid except the following: Medical collections Collections and charge-offs over two years old.All collections less than 24 months old were not paid as required by guidelines. Clayton deems exception non fatal to the lending decision. Cop factors include 11.89% LTV. 53 months PITIA reserves. FICO 658 exceeds 620 requirement. DTI = 48.27% below 55% requirement. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 78+ Months reporting<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 12% below 75% requirement.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 53 Months Reserves | DBC3CD33-6C99-4835-944C-70266EDDDE53 |
| 2000048932 | XXX | XX | OK | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | C | A | A | A | C | B | B | B | C | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH119 | Consumer lates exceed guidelines | No | Borrowers credit history has 4 x 30 for the past 24 months, which is greater than guideline requirements. Note: accounts were paid off with loan | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 28 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have stable employment being self-employed with same company for the past 10+ years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $6,169.13 reserves in file or 4.06 months PITI > required guidelines | 1CDF34BF-2CCF-4B9C-B201-ECCEB5EC8763 |
| 2000048932 | XXX | XX | OK | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | C | A | A | A | C | B | B | B | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA217 | Natural Disaster Area, no subsequent inspection (Individual) | No | No inspection since FEMA disaster declaration date 05.xx.2025; effective date 03.xx.2025 Individual Wildfires and straight line winds #XX | 6.4.25 PDI has been provided6.5.25 exception satisfied | 6.5.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 28 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have stable employment being self-employed with same company for the past 10+ years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $6,169.13 reserves in file or 4.06 months PITI > required guidelines | 1CDF34BF-2CCF-4B9C-B201-ECCEB5EC8763 |
| 400098260 | XXX | XX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 3.xx.2025-Client's response: March 21st 2025, 1:17:02 pmplease find final SS for review.3.xx.2025-Clayton's response: Received the Final HUD1, exception is satisfied. | 3.20.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 12 Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 99+ Months reporting<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 20+ Years with Employer | 3D2EB779-E7D3-4DF6-80DE-2AEF7C4FFC42 |
| 400098242 | XXX | XX | AZ | (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: 32.26% LTV; max 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 qual score; min 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $194,435.15 reserves from cash out; $0 reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 42mo. 0X30 mortgage payment history; 0x30x12 required. | 294BA0C8-D026-4DB1-B2F7-C87504F8D398 |
| 400098148 | XXX | XX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide proof of receipt for LE issued 2/XX/2025, LE issued 2/XX/2025 and CD issued 2/XX/2025. | 3.xx.25-Client provided LE issued 2/21. 2/18 & CD issued 2/24. All e-signed on issue date. Satisfied. | 3.11.25- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has owned his own business since 2012.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Residence owned Free & Clear and owned for 14 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers mid Credit score of 801 exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified 65.78 months reserves | B7A9D9B1-5C1D-4D3F-8BDE-073D1549094B |
| 400098148 | XXX | XX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide proof of receipt for LE issued 2/XX/2025, LE issued 2/XX/2025 and CD issued 2/XX/2025. | 3.xx.25-Client provided LE issued 2/21. 2/18 & CD issued 2/24. All e-signed on issue date. Satisfied. | 3.11.25- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has owned his own business since 2012.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Residence owned Free & Clear and owned for 14 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers mid Credit score of 801 exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified 65.78 months reserves | B7A9D9B1-5C1D-4D3F-8BDE-073D1549094B |
| 2000049381 | XXX | XX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $60,276.61, or 17.93 months. Reserves not required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VOE borrower has been on job since 3/18/2019.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 23 years. | 03E72500-EC0A-4DB3-8083-4FCF8EBEDA41 |
| 2000049388 | XXX | XX | WA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood Cert for Subject Property. Flood Cert in file is for XX | 6.xx.2025-Client's response: June 2nd 2025, 5:01:30 pmcorrected flood cert.6.xx.2025-Clayton's response: Received the corrected Flood Cert; exception is satisfied. | 6.03.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 226 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 162+ Months reporting | 049FC095-EE03-4644-B7D3-A54E5FF0B765 |
| 2000049388 | XXX | XX | WA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1 | 6.xx.2025-Client's response: June 2nd 2025, 5:03:55 pmFINAL SS FOR REVIEW6.xx.2025-Clayton response: Received the final HUD1, exception is satisfied. | 6.03.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 226 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 162+ Months reporting | 049FC095-EE03-4644-B7D3-A54E5FF0B765 |
| 2000049508 | XXX | XX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 811 qualifying score exceeds 660 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $1,061,592.83 reserves in file or 312.75 months PITI > required guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 18 years | 688A7D63-DB9D-4111-A397-82E5C3E25948 |
| 2000049790 | XXX | XX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: File has 83.99 months in reserves. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 696, min is 660.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is 0x30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 6 years. | ADAF949A-DC4B-46E8-BBDF-44B6171EA090 |
| 2000049854 | XXX | XX | IN | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing value on Field Review; CU score 2.8 | 5.xx.25 Field review rcvd ;See item 10 states in their opinion the market value in the appraisal is accurate5.xx.25 exception satisfied | 5.30.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 qualifying score exceeds 620 requirements<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV < guideline maximum of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $79,507.34 reserves in file or 59.78 months PITI > required guidelines | 1794F1C0-F89E-4B6A-90A0-C4CA3EAAB819 |
| 2000050073 | XXX | XX | AZ | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1. | 5.xx.25 please find the final SS5.527.25 exception satisfied | 5.527.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.00% LTV < guideline maximum of 75.00%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $104,343.77 reserves in file or 61.80 months PITI > required guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 3 years. | 6D862482-E87A-418F-99F8-595708B8E36F |
| 2000050191 | XXX | XX | WA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing documentation to support the monthly PITI payment for the 3 other investment properties owned. | 6.xx.2025-Client's response: June 2nd 2025, 5:21:14 pm3 loans are closed with XX, 2 have closed one is approved, documentation uploaded.6.xx.2025-Clayton's response: Provide the monthly payment for xx loan number xx. Exception remains.6.xx.2025 Client responded - please find the SREO loan number xx.xx.2025 Client provided the spreadsheet for all 4 of the XX loans for this borrower including the the subject property and three other property's closed by XX. Exception satisfied | 6.03.2025-Exception remains.6.19.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 103 months PITIA is 97 months greater than the 6 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 36 years 8 month at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 684 is 24 points above the 660 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 6.54% is 43.46% below the 50% allowed for the program. | 30078EED-D64C-475D-9FBE-6856915AAB6A |
| 2000050191 | XXX | XX | WA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing documentation to support the monthly rental income for the 3 other investment properties owned. | 6.3.2025-Client's response: June 2nd 2025, 5:39:56 pmAll properties are vacant because they were just built, so we used market rents for all 3 properties. The borrower has not been renting out the units yet since the Certificate of Occupancy was just issued, but we should be OK. We will allow a unit to be vacant if it's been recently built or rehabbed and use the market rents from the appraiser6.3.2025-Clayton's response: Received the Market Rents for the other properties; exception is satisfied. | 6.3.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 103 months PITIA is 97 months greater than the 6 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 36 years 8 month at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 684 is 24 points above the 660 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 6.54% is 43.46% below the 50% allowed for the program. | 30078EED-D64C-475D-9FBE-6856915AAB6A |
| 2000050191 | XXX | XX | WA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide final hud-1. | 6.xx.2025-Client's response: June 2nd 2025, 5:30:58 pmPlease find the final SS for review.6.xx.2025-Clayton's response: Received the HUD1, exception satisfied. | 6.03.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 103 months PITIA is 97 months greater than the 6 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 36 years 8 month at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 684 is 24 points above the 660 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 6.54% is 43.46% below the 50% allowed for the program. | 30078EED-D64C-475D-9FBE-6856915AAB6A |
| 2000050197 | XXX | XX | WA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months canceled checks for the private mortgage to XX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have stable employment being self-employed with same company for the past 35+ years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.40% LTV < guideline maximum of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $716,658.44 reserves in file or 218.54 months PITI > required guidelines | 6518AACB-9013-43B8-AA0E-38D155BB7B17 |
| 2000050306 | XXX | XX | CT | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Application | Satisfied | C | A | C | A | CRDAPP2418 | Ownership history inaccurate / incomplete | No | Missing 24 month chain of title. Per title, XX appears to have taken title 9/XX/24. | 5.xx.2025 Client responded - Updated page 8 showing the 24 month chain of title has been provided, please clear condition.5.xx.2025 Client provided the 24 month chain of title.. Exception satisfied | 5.23.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 684 exceeds the minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $315374.08, 28.64 months reserves, 6 months required<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR: 1.2348 ($17000 x 80% = $13600 /Expenses $11013.54)<br>CFCFS2860: Good credit history<br> - Clayton Comments: 23% of revolving credit utilized | E4C5B3F0-3C34-4DD8-85AF-C35D092F4B1D |
| 2000050306 | XXX | XX | CT | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing verification of 7/XX/24 payment for primary residence mortgage with XX. Payment history provided does not evidence the 7/XX/24 payment | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 684 exceeds the minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $315374.08, 28.64 months reserves, 6 months required<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR: 1.2348 ($17000 x 80% = $13600 /Expenses $11013.54)<br>CFCFS2860: Good credit history<br> - Clayton Comments: 23% of revolving credit utilized | E4C5B3F0-3C34-4DD8-85AF-C35D092F4B1D |
| 2000050306 | XXX | XX | CT | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing homeowners insurance declaration page supporting sufficient coverage, policy effective dates and premium. | 5.xx.2025 Client responded - HOI has been provided, please clear condition.5.xx.2025 Client provided an HOI. Exception satisfied | 5.23.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 684 exceeds the minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $315374.08, 28.64 months reserves, 6 months required<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR: 1.2348 ($17000 x 80% = $13600 /Expenses $11013.54)<br>CFCFS2860: Good credit history<br> - Clayton Comments: 23% of revolving credit utilized | E4C5B3F0-3C34-4DD8-85AF-C35D092F4B1D |
| 2000050306 | XXX | XX | CT | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing flood insurance declaration page supporting sufficient coverage, policy effective dates and premium | 5.xx.2025 Client responded - Flood insurance document has been provided, please clear condition.5.xx.2025 Client provided the Flood Insurance Declaration. Exception satisfied | 5.23.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 684 exceeds the minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $315374.08, 28.64 months reserves, 6 months required<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR: 1.2348 ($17000 x 80% = $13600 /Expenses $11013.54)<br>CFCFS2860: Good credit history<br> - Clayton Comments: 23% of revolving credit utilized | E4C5B3F0-3C34-4DD8-85AF-C35D092F4B1D |
| 2000050306 | XXX | XX | CT | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Please provide all pages of final signed HUD1. Only have page 2 of the HUD-1 | 5.xx.2025 Client responded - Final settlement statement has been provided, please clear condition.5.xx.2025 Client provided the Final SS. xEception satisfied | 5.23.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 684 exceeds the minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $315374.08, 28.64 months reserves, 6 months required<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR: 1.2348 ($17000 x 80% = $13600 /Expenses $11013.54)<br>CFCFS2860: Good credit history<br> - Clayton Comments: 23% of revolving credit utilized | E4C5B3F0-3C34-4DD8-85AF-C35D092F4B1D |
| 2000050306 | XXX | XX | CT | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2277 | Note Not Executed | No | Please provide executed note and all applicable addendums. | 5.xx.2025 Client Responded - Executed Note with all addendums has been provided, please clear condition.5.xx.2025 Client provided the fully executed Note. Exception satisfied | 5.23.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 684 exceeds the minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $315374.08, 28.64 months reserves, 6 months required<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR: 1.2348 ($17000 x 80% = $13600 /Expenses $11013.54)<br>CFCFS2860: Good credit history<br> - Clayton Comments: 23% of revolving credit utilized | E4C5B3F0-3C34-4DD8-85AF-C35D092F4B1D |
| 2000050339 | XXX | XX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing Borrower #2 Income Documents...(Received only 2024 W2) | 6.9.25 Copy of the VOE, paystubs and correct 1003 have been provided,6.xx.25 exception satisfied | 6.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 238+ Months reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 24 Months Reserves | 0E97A3C3-ED0A-4A92-A311-FF280452F04F |
| 2000050339 | XXX | XX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt of LE issued 5/XX/25 & CD issued 5/XX/25. | 6.5.25-Client provided CD issued 5/xx/25 & LE 5/xx/25, both e-signed on date of issuance. Satisfied. | 6.5.25-. Satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 238+ Months reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 24 Months Reserves | 0E97A3C3-ED0A-4A92-A311-FF280452F04F |
| 2000050339 | XXX | XX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt of LE issued 5/XX/25 & CD issued 5/XX/25. | 6.5.25-Client provided CD issued 5/xx/25 & LE 5/xx/25, both e-signed on date of issuance. Satisfied. | 6.5.25- Satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 238+ Months reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 24 Months Reserves | 0E97A3C3-ED0A-4A92-A311-FF280452F04F |
| 2000050339 | XXX | XX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance | No | Provide proof of receipt of CD issued 5/XX/25. | 6.5.25-Client provided CD issued 5/xx/25, e-signed 5/xx/25. Satisfied. | 6.5.25-Satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 238+ Months reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 24 Months Reserves | 0E97A3C3-ED0A-4A92-A311-FF280452F04F |
| 2000050339 | XXX | XX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2302 | Missing Required Income Documentation | No | Missing Borrower #2 Income Documents...(Received only 2024 W2) | 6.9.25 Copy of the VOE, paystubs and correct 1003 have been provided,6.xx.25 exception satisfied | 6.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 238+ Months reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 24 Months Reserves | 0E97A3C3-ED0A-4A92-A311-FF280452F04F |
| 2000050709 | XXX | XX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing third party valuation product in file. | 6.4.25 Appraisal desk review has been provided,6.4.25 exception satisfied | 6.4.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.14% is 18.86% below the 85% LTV allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 699 is 79 points above the 620 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 41.39% is 8.61% below the 50% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 24 months PITIA vs 0 months reserves required. | B6E78ADB-B887-4BF3-9971-87E4371D4A3F |
| 2000050983 | XXX | XX | MD | (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: 68.21% LTV < guideline maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 698 qualifying score exceeds 620 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $87,671.99 reserves in file or 33.84 months PITI > required guidelines | EC96CB58-49C3-4DDA-B0EA-10463125DC2E |
| 2000051247 | XXX | XX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 94+ Months reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 19 Months Reserves | E942575C-15C5-4E35-8ADE-08F2453A5157 |
| 2000051265 | XXX | XX | TN | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 75% is greater than the maximum LTV allowed of 70% qualifying off short term rents using Rental Rate Analysis. Clayton finds this to be non material, property is located in popular resort/entertainment area where short term rentals are popular in the marketplace, the borrower has excellent credit with score of 782 and has $358,276 reserves, 25 months. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 18 years 11 months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 25 months PITIA is 19 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 782 is 82 points above the 700 FICO required for the program. | 92A2A193-F51F-4F6B-B49F-2AE48FF20B36 |
| 2000051269 | XXX | XX | WA | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value. | 5.xx.25 CU with a score of 1 has been provided5.xx.25 exception satisfied | 5.30.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $22,546.72, or 10.29 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 76.50% is below guideline maximum of 80% for an Alt Doc cash out refinance with a 735 credit score.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 14 years. | D88140A8-30BE-4857-B932-209C75BF038A |
| 2000051330 | XXX | XX | IL | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing third party valuation. | 5.xx.25 Provided DVR which supports the appraisal value5.xx.25 exception satisfied | 5.29.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 270+ months reserves exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 11 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Guarantor demonstrates good credit history. | 029D61C9-7A55-4044-B5F0-AEBFC3F87429 |
| 2000051493 | XXX | XX | IL | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing third party valuation. | 5.xx.25 Provided the DVR which supports the appraisal value,5.xx.25 exception satisfied | 5.29.25 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor demonstrates positive mortgage payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 302+ months reserves exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 11+ years. | B9EF7281-FEF1-4CD5-8E80-FF9B3BFADAB6 |
| 2000051566 | XXX | XX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | Per guidelines all collections less than 2 years need for be paid off at closing. Credit report shows 2 collection accounts totaling $2,812 dated 11/2024. No proof in file these were paid at closing. | 5.xx.25 collection accounts corrected.5.xx.25 exception satisfied - accounts paid in full. | 5.20.25 exception satisfied - accounts paid in full. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5.3 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 660 qualifying credit score per CBR.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5.5 years employed with xx<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.04% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 227 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 7.32 months of reserves in file. | F2C1D1FB-0349-461C-B666-66D3B2B2689D |
| 2000051566 | XXX | XX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 5.xx.25 please find the final SS5.xx.25 exception satisfied | 5.20.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5.3 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 660 qualifying credit score per CBR.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5.5 years employed with xx<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.04% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 227 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 7.32 months of reserves in file. | F2C1D1FB-0349-461C-B666-66D3B2B2689D |
| 2000051582 | XXX | XX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5.3 years employed with xx<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 24 months of 0x30 rental history per 24 month rental history printout.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 204.23 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.50% LTV per review; 80% LTV is maximum allowed per guidelines. | 87A8B878-0B80-41D6-AFAA-F3EAB02CFEC4 |
| 2000051643 | XXX | XX | CA | (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: Post close reserves are $129,950.76, or 49.97 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 54.95% is below guideline maximum of 80% for a DSCR Rate/Term refinance with a 790 credit score<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 26 years. | A64CD3E3-66B8-457C-86E6-D1227EDFFEE9 |
| 2000051651 | XXX | XX | NH | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | D | B | B | B | D | A | C | A | D | B | B | B | D | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe Harbor (APOR); Clayton status is QM Rebuttable Presumption (APOR) due to: Benchmark Date 5/XX/2025; loan has a Test APR of 8.466%; the Benchmark Rate was 6.880%; Variance 1.586%; max allowed is 1.5000%. | 5.xx.25 Client response; We accept the determination on this and please clear the exception.5.xx.25 Clayton memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon Claytons review. | 5.30.25 Clayton memo; exception satisfied; | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 15 months PITIA is 9 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 710 is 30 points above the 680 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 25.34% is 24.66% below the 50% allowed for the program. | 7DE88407-8B0B-4A38-84B8-78AD66483095 |
| 2000051651 | XXX | XX | NH | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | D | B | B | B | D | A | C | A | D | B | B | B | D | A | C | A | Credit | Ability to Repay/Qualified Mortgage | Active | B | B | B | B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | Client agreed to QM rebuttable APOR status based upon Clayton review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 15 months PITIA is 9 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 710 is 30 points above the 680 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 25.34% is 24.66% below the 50% allowed for the program. | 7DE88407-8B0B-4A38-84B8-78AD66483095 |
| 2000051651 | XXX | XX | NH | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | D | B | B | B | D | A | C | A | D | B | B | B | D | A | C | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing Verification of Rent in file. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 15 months PITIA is 9 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 710 is 30 points above the 680 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 25.34% is 24.66% below the 50% allowed for the program. | 7DE88407-8B0B-4A38-84B8-78AD66483095 |
| 2000051651 | XXX | XX | NH | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | D | B | B | B | D | A | C | A | D | B | B | B | D | A | C | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing third party valuation product in file. | 5.xx.25 Provided the DVR which supports the appraisal value, 5.xx.25 exception satisfied | 5.29.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 15 months PITIA is 9 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 710 is 30 points above the 680 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 25.34% is 24.66% below the 50% allowed for the program. | 7DE88407-8B0B-4A38-84B8-78AD66483095 |
| 2000051891 | XXX | XX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 68+ Months reporting positive<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5+ Years | F9512DA2-3ADF-410C-9788-C0260EA515EA |
| 2000051977 | XXX | XX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV < guideline maximum of 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 6 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $159,053.70 reserves in file or 57.14 months PITI > required guidelines | BCBB4A2B-3DD5-48F8-B7D1-0EB871F6C534 |
| 2000051995 | XXX | XX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets:Post close reserves are $45,048.38 or 17.23 months PITI, exceeding the 6 month guideline requirement.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 24.59 below guideline requirement<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% below 85% requirement | 16625082-32B4-49D0-97B5-8395F4A17AAD |
| 2000052001 | XXX | XX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing Final HUD-1 | 6.xx.25 Final settlement statement provided, please clear finding.6.xx.25 exception satisfied | 6.19.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Post close reserves are $778,414.19 or 261.84 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 26.92% is below guideline maximum of 70% for a DSCR cash out refinance with a 675 credit score<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 675 exceeds guideline minimum of 620 for a DSCR cash out refinance at 26.92% LTV. | A628E67C-215A-42EC-8578-2DC6F52DBFD0 |
| 2000052033 | XXX | XX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | Borrower's Interest | Satisfied | C | A | C | A | CMPBI1183 | MD DLLR - NTB Worksheet not signed by borrower | No | Net Tangible Benefit worksheet not signed by borrower. | 6.xx.25-Client sent inital credit package. Documents included page 35 Net Tangible Benefit Worksheet , signed by borrower 4/xx/25. Satisfied. | 6.23.25- Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20.7 years living at primary residence for B2.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 qualifying credit score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 141 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 21 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 9.21 months of reserves in file. | 2E797FB5-6EDC-4139-B74C-77E706EB24FE |
| 2000052033 | XXX | XX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Loan was approved as Full doc with 2 years verification required. Borrower 2 and 3 only have a SSI Award letter in file and B2 has a paystub, Missing 2023 and 2024 tax returns for both B2 and B3. | Client's response: May 28th 2025, 10:06:35 amPer GL for pension/SSI income, only need the award letter and most recent bank statement showing automatic deposit. Please clear condition.5.xx.2025: Clayton's response: Received the awards letter and bank statements showing the SS and pension income. Also XX income documentation. Exception is satisfied. | 5.28.2025=Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20.7 years living at primary residence for B2.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 qualifying credit score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 141 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 21 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 9.21 months of reserves in file. | 2E797FB5-6EDC-4139-B74C-77E706EB24FE |
| 2000052086 | XXX | XX | GA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing 2 months retirement account statements in file being used as reserves. 1 month account statement in file. | 6.xx.2025 Client responded - please find stmts for review.xx.12.2025 Client provided 3 months retirement account statements for reserves. Exception satisfied | 6.12.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 69 months PITIA is 63 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 715 is 15 points above the 700 FICO required for the program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower is 0x30 on all accounts for the past 7 years reviewed. | 4B30CA63-0C29-4351-AC49-0EB77ABD2A91 |
| 2000052086 | XXX | XX | GA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 6.9.25 final SS and ledger please clear.6.xx.25 exception satisfied | 6.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 69 months PITIA is 63 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 715 is 15 points above the 700 FICO required for the program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower is 0x30 on all accounts for the past 7 years reviewed. | 4B30CA63-0C29-4351-AC49-0EB77ABD2A91 |
| 2000052130 | XXX | XX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing Condo Questionnaire | 5.xx.2025-Client's response: May 29th 2025, 10:59:31 amCondo questionnaire has been provided, please clear condition.5.xx.2025-Clayton's response: Received the Condo Questionnaire; exception is satisfied. | 5.29.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 138+ Months reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Excellent Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 30.08 Months reserves. 6 months required due to no housing. | DE40315A-D238-4881-9067-36B93850B5F6 |
| 2000052167 | XXX | XX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please proof of receipt for CD 05/XX/2025 1 at least 3 business days prior to closing. | 5.xx.25-Client provided CD issued 5/xx/25, e-signed 5/xx/25. Satisfied. | 5.30.25- Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 659 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 33.91 months of reserves in file.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 2.7 years living at primary residence. | D3F73767-F816-45D1-A2C8-5D1E8CAEEC34 |
| 2000052167 | XXX | XX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please proof of receipt for CD 05/XX/2025 1 at least 3 business days prior to closing. | 5.xx.25-Client provided CD issued 5/xx/25, e-signed 5/xx/25. Satisfied. | 5.30.25- Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 659 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 33.91 months of reserves in file.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 2.7 years living at primary residence. | D3F73767-F816-45D1-A2C8-5D1E8CAEEC34 |
| 2000052201 | XXX | XX | VA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | 12 months of canceled checks for the private mortgage to XX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.95% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 45 months of 0x30 mortgage history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 mid-score per CBR<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 84 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 44.15 months of reserves in file. | D799EED5-CE11-485F-91A5-CF87B2CCEBF0 |
| 2000052239 | XXX | XX | LA | (No Data) | ATR/QM: Exempt | D | A | C | A | D | A | N/A | N/A | D | A | C | A | D | A | N/A | N/A | Credit | Assets | Satisfied | C | A | C | A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Assets are in the name of XX Provide Operating Agreement from XX with documentation that allows borrower access to these funds for closing. | 6.4.25 All the documentation for XX has been provided, borrower is the sole member.xx.4.25 exception satisfied | 6.4.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: File has 97 months in reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 720, min is 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 6 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage payment is 0x30. | E94184FD-D4A2-455E-80B3-2013743D773E |
| 2000052239 | XXX | XX | LA | (No Data) | ATR/QM: Exempt | D | A | C | A | D | A | N/A | N/A | D | A | C | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Provide third party valuation that supports the appraised value of $XX | 6.4.25 DVR which supports the appraisal value has been provided6.4.25 exception satisfied | 6.4.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: File has 97 months in reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 720, min is 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 6 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage payment is 0x30. | E94184FD-D4A2-455E-80B3-2013743D773E |
| 2000052274 | XXX | XX | GA | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | CU score is 3.6. Missing updated valuation in file. | 5.xx.25 Please find the final DVR5.xx.25 exception satisfied. Report AVM and Appraiser sig date 5/xx/25. | 5.27.25 Please find the final DVR5.27.25 exception satisfied. Report AVM and Appraiser sig date 5/8/25. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 20 months PITIA is 14 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 751 is 51 points above the 700 FICO required for the program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years at current residence. | 54DBA9CA-2409-405F-9D9E-65D5FCB9E36B |
| 2000052282 | XXX | XX | 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: 706 qualifying credit score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years living at primary residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 years working on the Construction industry.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 6.4 years employed with xx.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 103 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 204.13 months of reserves in file. | 68EFAB5E-0302-4801-A47E-B45C3796E798 |
| 2000052307 | XXX | XX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 qualifying score exceeds 620 requirements<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 8 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $91,183.78 reserves in file or 107.63 months PITI > required guidelines | E5B44F7A-A7E4-492C-87B2-B9BE668D44B9 |
| 2000052349 | XXX | XX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing Flood Declaration Page | 6.xx.2025-Client's response: June 2nd 2025, 7:15:44 pmflood dec uploaded6.xx.2025-Clayton's response: Received the Flood Insurance, exception satisfied. | 6.03.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 287+ Months reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 71+ Months reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Very Good Credit History | DDB53B6F-B66B-4C29-BF44-4F671A32F2DA |
| 2000052397 | XXX | XX | UT | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | Missing rent free letter | 6.4.25 Rent free letter has been provided6.4.25 exception satisfied | 6.4.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 27.76% is below guideline maximum of 75% for a DSCR rate/term refinance with a 688 credit score<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 688 exceeds guideline minimum of 620 for a DSCR Rate/Term refinance at 27.76% LTV<br>CFCFS2860: Good credit history<br> - Clayton Comments: Overall good credit history | B471653C-1EED-4504-A749-566D0DF47FF8 |
| 2000052434 | XXX | XX | 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: 46.70% LTV < guideline maximum of 70%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $215,332.29 reserves in file or 74.29 months PITI > required guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 8+ years. | C5F562B3-7003-4501-AE57-B4686259B2A4 |
| 2000052465 | XXX | XX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 5.xx.25 Final settlement statement has been provided5.xx.25 exception satisfied | 5.20.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Post close reserves are $11,039.59, or 6.37 months. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.89% is below guideline maximum of 80% for a DSCR purchase with a 796 credit score.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 8 years | B3A63312-26E1-4E70-9D63-4F7816D8F6FD |
| 2000052492 | XXX | XX | 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 primary / current residence for 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60% LTV < guideline maximum of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $364,298.11 reserves in file or 117.03 months PITI > required guidelines | 8294772B-7487-4CAA-BEF9-1B1ED178E008 |
| 2000052494 | XXX | XX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 246+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 103 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 35+ Months reporting | 80F750A7-2F78-49E8-8BDF-7AE19B0ED19A |
| 2000052570 | XXX | XX | GA | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing full 12 month housing history for borrower primary residence XX | 5.xx.25 Credit report exception satisfied. however; Missing full 12 month housing history for borrower primary residence XX Non material exception remains. | 5..29.25 exception remains | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 34.15 months of reserves in file.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10.4 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 12 months of 0x30 mortgage history per supplemental CBR and VOM. | E06A9CD2-5D2E-4563-9B24-8321F55F7458 |
| 2000052570 | XXX | XX | GA | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH189 | Missing credit report | No | Missing full credit report. File only contained a 1 page credit supplement showing mortgage history. | 5.xx.25 Credit report RCVD. | 5.29.25 exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 34.15 months of reserves in file.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10.4 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 12 months of 0x30 mortgage history per supplemental CBR and VOM. | E06A9CD2-5D2E-4563-9B24-8321F55F7458 |
| 2000052637 | XXX | XX | PA | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide Executed Personal Guaranty for XX All members owning 25% of the LLC or more must executed a Personal Guaranty. | 6.xx.25 Personal Guaranty executed by both parties provided,6.xx.25 exception satisfied | 6.19.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 90+ months reserves exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor demonstrates positive mortgage payment history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 4 years. | 81DCCF8D-73F9-4238-931A-5CFDF784947D |
| 2000052637 | XXX | XX | PA | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV of 76.31% exceeds guideline maximum of 75%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 90+ months reserves exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor demonstrates positive mortgage payment history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 4 years. | 81DCCF8D-73F9-4238-931A-5CFDF784947D |
| 2000052654 | XXX | XX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Borrower's Interest | Satisfied | C | A | C | A | CMPBI1183 | MD DLLR - NTB Worksheet not signed by borrower | No | Net Tangible Benefit worksheet not signed by borrower. | 5.xx.25-Client provided a e-signed NTB form. The signature does not reflect date received (the form also is not dated). The loan num reflected does not match the loan number for the current transaction. Provide NTB with correct loan & Mers min number, signed & dated by borrower.6.xx.25-Client provided e-signed MD NTB Form.6.xx.25-Provide accurate NTB with correct loan number & Mers Mins number, signed & dated by borrower.6.xx.25-Client provided e-signed NTB form. The form (top right hand corner , page 1) loan num reflected does NOT match the loan number for the current transaction NOR does the Mers Mins number match the Mortgage Mers Mins. Provide accurate NTB with correct loan & Mers min number, signed & dated by borrower. | 6.17.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 6 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 13 months PITIA is 7 months greater than the 6 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5 years 8 months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55% is 20% below the 75% LTV allowed for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 23.06% is 26.94% below the 50% allowed for the program. | EA1742D0-16B9-4756-B7FB-62B6829EBD6E |
| 2000052654 | XXX | XX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fail for $4715.63 due to addition of Extension fee and increase of discount points. No COC was provided disclosing increase to borrower. Please provide Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 6.xx.25-Client provided 2 COCs issued 5/xx/25. Initial COC reflects addition of lock ext. fee from 0.00 to $1337.xx.Due to expiration of rate originally on 5/xx/25. This corresponds with Lock ext. agreement dated 5/xx/25, which extends the rate thru 5/xx/25. Rate ext. was thru closing date reflected of 5/xx/25. Additional increase in lock ext. fee on 5/xx/25 (final CD) IS invalid.--- --- ---Client provided COC reflecting discount points increased due to rate buy down, however the rate remained the same from CD 5/xx/25 (date of lock ext. addition) to date of discount increase disclosed CD 5/xx/25. The rate at closing was already locked at time of this increase thru closing. Provide PCCD, LOX, copy of tolerance check in the amount of $3378.13 and proof of delivery via 3rd party within 60 days of consummation.6.xx.25-Satisfied, CN-1584. | 6.25.25-Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 6 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 13 months PITIA is 7 months greater than the 6 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5 years 8 months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55% is 20% below the 75% LTV allowed for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 23.06% is 26.94% below the 50% allowed for the program. | EA1742D0-16B9-4756-B7FB-62B6829EBD6E |
| 2000052670 | XXX | XX | TX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Active | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | 4.79 months of reserves in file. 6 months of reserves is required per guidelines. Clayton deems exception non material to final lending decision. Grade =2/B.Compensating factors: 773 FICO. 75% LTV. 120 months of 0x30. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.73% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 83 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 120 months of 0x30 consumer credit history per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years living at primary residence. | BD20BCBC-1C40-4C0E-A8D0-DF847AE5E8E7 |
| 2000052673 | XXX | XX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH119 | Consumer lates exceed guidelines | No | Borrower has 2 x 30 consumer lates in the 12 months | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrowers have stable employment being self-employed with same company for the past 10+ years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 qualifying score exceeds 620 requirements<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 30 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | 825BAFD7-AA0F-4577-9F06-C5071CE00261 |
| 2000052673 | XXX | XX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value. | 6.4.25 DVR which supports the appraisal value has been provided, 6.4.25 exception satisfied | 6.4.25 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrowers have stable employment being self-employed with same company for the past 10+ years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 qualifying score exceeds 620 requirements<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 30 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | 825BAFD7-AA0F-4577-9F06-C5071CE00261 |
| 2000052677 | XXX | XX | 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: 90 Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 29+ Months reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History | 00DBDC1E-0B8A-4619-8C1D-D60E6F5279F9 |
| 2000052685 | XXX | XX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide final HUD-1 | 6.9.25 Final settlement statement has been provided6.xx.25ception satisfied | 6.10.25ception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 116+ months reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Guarantor demonstrates good credit history.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 290 months credit history exceeds guidelines. | 7C20AA61-C5A8-48E1-BA7F-08F70DF2BBE4 |
| 2000052697 | XXX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | CU score 3.8; Missing CDA to support appraisal value. | 5.xx.2025 Client responded - DVR for review.5.xx.2025 Client provided the desk review supporting the value. Exception satisfied | 5.15.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 47.28% LTV < guideline maximum of 70%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 90 months with 0x30 Mortgage payment history exceeds guidelines of 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $441,348.73 reserves in file or 31.87 months PITI > required guidelines | EF172BC0-1DE9-44BF-ACFF-87DC9CA44231 |
| 2000052771 | XXX | XX | TX | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | N/A | N/A | D | B | B | B | D | A | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 month of canceled checks (front & back) for the mortgage to XXor a payment history from the lender. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 204+ Months reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 85 Months Reserves | BA41CDCF-786E-402C-AD85-DE505A3F5F19 |
| 2000052771 | XXX | XX | TX | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | N/A | N/A | D | B | B | B | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | CU Score is 2.7...Missing Additional 3rd Party Valuation | 6.9.25 DVR uploaded.6.xx.25 exception satisfied | 6..10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 204+ Months reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 85 Months Reserves | BA41CDCF-786E-402C-AD85-DE505A3F5F19 |
| 2000052787 | XXX | XX | SC | (No Data) | ATR/QM: Exempt | D | B | A | A | D | B | N/A | N/A | D | B | A | A | D | B | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA to support original appraisal value. No CU or LCA score in file. | 5.xx.25 DVR supports appraisal value, copy has been provided.xx.27.25 Exception satisfied | 5.27.25 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11.9 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 qualifying credit score per CBR.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 14.5 years employed with xx.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 213 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 252 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 79.64 months of reserves in file. | 0770F020-E3B6-422D-84B1-0DB824C5F3E5 |
| 2000052787 | XXX | XX | SC | (No Data) | ATR/QM: Exempt | D | B | A | A | D | B | N/A | N/A | D | B | A | A | D | B | N/A | N/A | Property Valuations | Property | Active | C | B | C | B | PRVAPROP177 | Property Issues Indicated | No | Review of Condo Cert is going to make Condo Non warrantable due to Investor concentration. INV concentration is >50%.Exception deemed non material | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11.9 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 qualifying credit score per CBR.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 14.5 years employed with xx.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 213 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 252 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 79.64 months of reserves in file. | 0770F020-E3B6-422D-84B1-0DB824C5F3E5 |
| 2000052787 | XXX | XX | SC | (No Data) | ATR/QM: Exempt | D | B | A | A | D | B | N/A | N/A | D | B | A | A | D | B | N/A | N/A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing required Condo Questionnaire in file. | 5.xx.25 Condo questionnaire has been provided, 5.xx.25 exception satisfied. With review of Condo Cert 0 this is going to make Condo Non warrantable due to Investor concentration. non material | 5.27.25 exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11.9 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 qualifying credit score per CBR.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 14.5 years employed with xx.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 213 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 252 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 79.64 months of reserves in file. | 0770F020-E3B6-422D-84B1-0DB824C5F3E5 |
| 2000052829 | XXX | XX | 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: Post close reserves are $98,469.82, or 73.33 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 64.44% is below guideline maximum of 75% for a DSCR cash out refinance with a 709 credit score.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 15 years | 5C8A5C90-46CD-4001-9A5B-1FC3AEDB701F |
| 2000052886 | XXX | XX | PA | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Provide third party valuation that supports the appraised value of $XX | 6.5.25 DVR which supports the appraisal value has been provided,6.6.25 exception satisfied | 6.6.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $29,223.74 reserves in file or 14.44 months PITI > required guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 qualifying score exceeds 620 requirements<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36 months with 0x30 Mortgage payment history exceeds guidelines of 12 months | E543E6B1-FB61-40F8-B280-E0EBFE00FBA8 |
| 2000053021 | XXX | XX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | DTI | Active | B | B | B | B | CRDDTI187 | Debt Ratio > 50% | No | Guidelines allow up to 50% DTI, file is at 52.02%. Clayton deems this non-material. Compensating factors; LTV 38.71%, FICO 801, 124 Months in reserves and residual income is $13,159.54. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 124 Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 267+ Months Consumer Credit reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Very good credit history | D8F43F1A-22EE-4EBD-AFDD-AFB542019EFE |
| 2000053083 | XXX | XX | FL | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Provide a third party valuation that supports the value of $XX. | 6.xx.25 Please find the CU for review.6.xx.25 exception satisfied | 6.19.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 816 is 196 points above the 620 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 64.18% is 15.82% below the 80% LTV allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 5.32 months PITIA vs 0 months reserves required. | 287A96C9-280A-4C6C-8AF7-FDB06BF15D82 |
| 2000053133 | XXX | XX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 5.xx.25 please see the final SS5.xx.25 EXCEPTION SATISFIED | 5.22.25 EXCEPTION SATISFIED | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 18 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 41+ months reserves exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor demonstrates positive mortgage payment history. | 4C44F06B-A4D8-4102-94D9-A49DE29CEAB3 |
| 2000053134 | XXX | XX | NJ | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Cash out amount of $860,902.49 is greater than the maximum cash out amount of $500,000 allowed with an LTV greater than 65%. Client provided an exception request to allow the loan with cash out greater than $500,000. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 103 months ITIA is 97 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 783 is 63 points above the 720 FICO required for the program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower is 0x30 on all accounts for the past 8 years reviewed. | DC542995-0B8C-4B20-9240-0079E75C10FD |
| 2000053198 | XXX | XX | 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: Reserves of 119 months PITIA vs 0 months reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 51.96% is 23.04% below the 75% LTV allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 718 is 98 points above the 620 FICO required for the program. | 88D2A7AA-8B07-482B-8ED1-EE109C41376E |
| 2000053200 | XXX | XX | FL | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Assets | Active | C | B | C | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing verification of 6 months reserves. Per guidelines, LTV greater than 70% require 6 months reserves. LTV is 75% using the last list price of $XX | 6.xx.2025 Client responded - please find exception for 3 months of reserves vs the 6 mo6.xx.2025 Upon further review by Sr. Clayton UW, Clayton deems this non-material due to the following compensating factors of FICO of 699 and LTV 71% | 6.12.2025 Exception has been deemed non-material and re-graded to a B. Exception remains | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 699 exceeds the minimum of 680<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Payment reduced $458.47/month or 12.43%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 22 months reviewed for primary residence mortgage exceeds the 12 months required | E8D6E9C7-F8B7-4A79-B2F9-4D042468E55E |
| 2000053200 | XXX | XX | FL | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3654 | Borrower(s) do not meet guideline requirements for citizenship status | No | Missing copy of Social Security card to clear internal alert on XX report. Social Security card was conditioned for on Approval. | 6.xx.2025 Client responded - Please find the SS card for review.6.xx.2025 Client provided the guarantor's SS card. Exception satisfied | 6.12.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 699 exceeds the minimum of 680<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Payment reduced $458.47/month or 12.43%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 22 months reviewed for primary residence mortgage exceeds the 12 months required | E8D6E9C7-F8B7-4A79-B2F9-4D042468E55E |
| 2000053208 | XXX | XX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt of CD issued 5/XX/25. | 5.xx.25-Client provided CD issued 5/xx/25, e-signed 5/xx/25. Satisfied | 5.29.25- Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50.00% LTV < guideline maximum of 65%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 800 qualifying score exceeds 620 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $763,454.50 reserves in file or 280.88 months PITI > required guidelines | 06DA7BD0-D9B6-4120-8364-FD29F0D99513 |
| 2000053208 | XXX | XX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt of CD issued 5/XX/25. | 5.xx.25-Client provided CD issued 5/xx/25, e-signed 5/xx/25. Satisfied | 5.29.25-. Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50.00% LTV < guideline maximum of 65%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 800 qualifying score exceeds 620 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $763,454.50 reserves in file or 280.88 months PITI > required guidelines | 06DA7BD0-D9B6-4120-8364-FD29F0D99513 |
| 2000053255 | XXX | XX | WI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $150,000.00 \* 125% = $187,500.00 required. Total assets $1,008,019.12.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 25% is below guideline maximum of 70% for an Asset Express with an 810 credit score.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 12/2021. | 8593F382-7F1B-4079-BAFF-59B4BBF0A75E |
| 2000053333 | XXX | XX | OR | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 110 months PITIA vs 0 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 731 is 111 points above the 620 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 50% is 25% below the 75% LTV allowed for the program. | 10A89576-3663-47BE-A65E-2748E4B55D5F |
| 2000053378 | XXX | XX | WA | (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: 704 qualifying score exceeds 620 requirements<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 58.00% LTV < guideline maximum of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $98,482.90 reserves in file or 56.02 months PITI > required guidelines | 47EAD978-A586-4C41-8DB5-B46A1FC8A8AB |
| 2000053397 | XXX | XX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1. | 5.xx.25 Final settlement statement has been provided,5.xx.25 Final HUD provided was Sellers statements. Please provide borrowers Final HUD.6.xx.2025-Client's response: June 3rd 2025, 12:20:30 pmThe buyer's final settlement statement has been provided, please clear condition.6.xx.2025-Clayton's response: Received the HUD1, exception is satisfied. | 5.29.25 exception remains6.3.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 50 months reviewed for primary residence mortgage exceeds the 12 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 754 exceeds the minimum of 720<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $1,060,698.09, 156.84 months reserves, 6 months required | 55463BDE-AF08-4112-B1C3-FDF503E8EEB7 |
| 2000053442 | XXX | XX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 753 qualifying score exceeds 620 requirements<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 48 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $293,666.14 reserves in file or 113.44 months PITI > required guidelines | 148A5A0E-B0C2-4BB8-BEA1-40B20E9BA484 |
| 2000053448 | XXX | XX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER5518 | Loan fails XX Minimum Equity requirement | No | $36,750 equity due to borrower putting 15% as down payment is below the $40,000 minimum equity required per guidelines. Clayton deems this non-material. Compensating factors: FICO 760, 9 years at current residence, and 26.74 months in reserves. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 mid-score per CBR<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 31 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 26.74 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 85% LTV per review; 90% LTV is maximum allowed per guidelines. | F6CB9A53-B346-443A-9959-0763CB67ED76 |
| 2000053448 | XXX | XX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA desk review to support original appraisal value in file. CU score in file of 2.6 exceeds 2.5 tolerance. | 6.xx.2025-Client's response: June 2nd 2025, 11:47:37 pmDVR which supports the appraisal value has been provided, please clear condition.6.xx.2025-Clayton's response: Document not received; exception remains.6.4.25 DVR rcvd6.4.25 exception satisfied | 6.4.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 mid-score per CBR<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 31 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 26.74 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 85% LTV per review; 90% LTV is maximum allowed per guidelines. | F6CB9A53-B346-443A-9959-0763CB67ED76 |
| 2000053545 | XXX | XX | TX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | Collections required to be paid per guidelines. Collection to All State in the amount of $XX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 281 Months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 15+ months reserves exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor has positive mortgage payment history. | AA3E3368-F356-4923-A66E-CD251F746186 |
| 2000053591 | XXX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing satisfactory most recent 12 months verification of rental. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is below guidelines at 23.81%. Maximum 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower at current residence for 4 years 1 month.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has excellent credit history | 15A0AE0D-3035-4DC7-81A4-899F82CC007D |
| 2000053648 | XXX | XX | OK | (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: Post close reserves are $71,874.64, or 40.69 months. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.14% is below guideline maximum of 75% for a DSCR cash out refinance with a 693 credit score<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 3/2005. | 40B37026-F006-46BD-AB5E-B63A3C55CB1C |
| 2000053655 | XXX | XX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations not in file. | 6.xx.25-Client provided homeowners counseling list, Satisfied. | 6.10.25- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 16 years 3 months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 16 years 3 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 22 months PITIA is 16 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 804 is 124 points above the 680 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 5.79% is 44.21% below the 50% allowed for the program. | EA020963-CDF0-4800-A038-E69BC0006169 |
| 2000053655 | XXX | XX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Please provide LE dated with in 3 days of initial application date of 4/XX/25. | 6.xx.25-Client provided LE issued 4/xx/25, e-signed 4/xx/25. Satisfied. | 6.10.25- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 16 years 3 months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 16 years 3 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 22 months PITIA is 16 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 804 is 124 points above the 680 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 5.79% is 44.21% below the 50% allowed for the program. | EA020963-CDF0-4800-A038-E69BC0006169 |
| 2000053655 | XXX | XX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide confirmation of receipt for initial CD 5/XX/25. | 6.xx.25-Client provided CD issued 5/xx/25. e-signed 5/xx/25. Satisfied. | 6.10.25-Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 16 years 3 months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 16 years 3 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 22 months PITIA is 16 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 804 is 124 points above the 680 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 5.79% is 44.21% below the 50% allowed for the program. | EA020963-CDF0-4800-A038-E69BC0006169 |
| 2000053655 | XXX | XX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide confirmation of receipt for initial CD 5/XX/25. | 6.xx.25-Client provided CD issued 5/xx/25, e-signed 5/xx/25. Provide proof of receipt of LE issued 5/xx/25.6.xx.25-Client provided LE issued 5/xx/25, e-signed 5/xx/25. Satisfied. | 6.25.25- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 16 years 3 months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 16 years 3 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 22 months PITIA is 16 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 804 is 124 points above the 680 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 5.79% is 44.21% below the 50% allowed for the program. | EA020963-CDF0-4800-A038-E69BC0006169 |
| 2000053681 | XXX | XX | 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: 294+ Months reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 53 Months Reserves | 16108112-D557-494F-8A16-EB6C0C14D771 |
| 2000053719 | XXX | XX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Cash to borrower of $567,707.98 exceeds guideline maximum of $500,000.00. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $567,707.98, or 67.90 months. 6 months required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per state registry borrower has been in business since 8/2011.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.78% is below guideline maximum of 55%. | 86C36AF3-A9C1-43E5-B99A-9438C85E9F9E |
| 2000053719 | XXX | XX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value of $XX | 6.xx.25 please find the DVR for review.6.xx.25 exception satisfied | 6.16.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $567,707.98, or 67.90 months. 6 months required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per state registry borrower has been in business since 8/2011.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.78% is below guideline maximum of 55%. | 86C36AF3-A9C1-43E5-B99A-9438C85E9F9E |
| 2000053731 | XXX | XX | IL | (No Data) | ATR/QM: Exempt | D | A | C | A | D | A | N/A | N/A | D | A | C | A | D | A | N/A | N/A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing Master policy/XX bond. | 6.9.25 Policy for review, with XX bond6.xx.25 exception satisfied | 6.9.25 Policy for review, with XX bond6.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 73+ months reserves exceeds guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 148 months credit history exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Guarantor demonstrates good credit history. | 238FF3FF-8981-436A-B130-F9AB0BD2710F |
| 2000053731 | XXX | XX | IL | (No Data) | ATR/QM: Exempt | D | A | C | A | D | A | N/A | N/A | D | A | C | A | D | A | N/A | N/A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing HOA Certificate/Questionnaire. | 6.9.25 Please find the HOA cert for review.6.xx.25 exception satisfied | 6.9.25 Please find the HOA cert for review.6.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 73+ months reserves exceeds guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 148 months credit history exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Guarantor demonstrates good credit history. | 238FF3FF-8981-436A-B130-F9AB0BD2710F |
| 2000053853 | XXX | XX | FL | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing Desk Review / CU score - 2 Family | 6.6.25 please find the DVR for review.6.xx.25 exception satisfied | 6.6..25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 qualifying score exceeds 620 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $252,788.46 reserves in file or 95.70 months PITI > required guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 7 years | DD73C63C-5B58-4F2C-96B3-2625B4022C99 |
| 2000053999 | XXX | XX | CA | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe Harbor (APOR); Clayton status is QM Rebuttable Presumption (APOR) due to: Benchmark Date 5/XX/2025; loan has a Test APR of 8.556%; the Benchmark Rate was 6.740%; Variance 1.816%; max allowed is 1.5000%. | 6.6.25 Client response; We accept the determination on this and please clear the exception.6.9.25 Clayton memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon Claytons review. | 6.9.25 Clayton memo; exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 29 months PITIA is 23 months greater than the 6 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 6 years 7 months at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 35.60% is 14.40% below the 50% allowed for the program. | C4D35D5F-D684-4A59-9861-8706FA12F952 |
| 2000053999 | XXX | XX | CA | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt of initial CD dated 5/XX/2025 at least 3 days prior to closing. | 6.8.25-Client provided CD issued 5/xx/25, and e-Sign process Summary. Summary provided does not reflect either the CD sent was "Viewed" or Signed . Provide proof of receipt via e-Sign process Summary reflecting "viewed" or e-Sign CD issued 5/xx/25.6.xx.25-Client provided CD issued 5/xx/25, e-signed 5/xx/25. Client also provided proof of receipt of CD issued 5/xx/25 via e-portal on 5/xx/25. Satisfied. | 6.12.25- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 29 months PITIA is 23 months greater than the 6 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 6 years 7 months at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 35.60% is 14.40% below the 50% allowed for the program. | C4D35D5F-D684-4A59-9861-8706FA12F952 |
| 2000053999 | XXX | XX | CA | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt of initial CD dated 5/XX/2025 at least 3 days prior to closing. | 6.8.25-Client provided CD issued 5/xx/25, and e-Sign process Summary. Summary provided does not reflect either the CD sent was "Viewed" . Provide proof of receipt via e-Sign process Summary reflecting "viewed" or e-Sign CD issued 5/xx/25.6.xx.25-Client provided CD issued 5/xx/25, e-signed 5/xx/25. Client also provided proof of receipt of CD issued 5/xx/25 via e-portal on 5/xx/25. Satisfied. | 6.12.25- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 29 months PITIA is 23 months greater than the 6 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 6 years 7 months at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 35.60% is 14.40% below the 50% allowed for the program. | C4D35D5F-D684-4A59-9861-8706FA12F952 |
| 2000053999 | XXX | XX | CA | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Ability to Repay/Qualified Mortgage | Active | B | B | B | B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | Client agreed to QM rebuttable APOR status based upon Clayton review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 29 months PITIA is 23 months greater than the 6 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 6 years 7 months at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 35.60% is 14.40% below the 50% allowed for the program. | C4D35D5F-D684-4A59-9861-8706FA12F952 |
| 2000054015 | XXX | XX | GA | (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: 7 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 64+ Months reporting | CCF34269-4ED1-45AF-802B-2661CB7CEAE0 |
| 2000054087 | XXX | XX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt of CD issued 5/XX/25. | 6.8.25-Client provided CD issued 5/xx/25, e-signed 5/xx/25. Satisfied. | 6.8.25-Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18.1 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 672 qualifying credit score per CBR.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 4.9 years employed with xx<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 192 months of 0x30 consumer credit history per CBR. | 35732081-CAA4-41B9-A6DE-ED13DEF06EAD |
| 2000054087 | XXX | XX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt of CD issued 5/XX/25. | 6.8.25-Client provided CD issued 5/xx/25, e-signed 5/xx/25. Satisfied. | 6.8.25-. Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18.1 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 672 qualifying credit score per CBR.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 4.9 years employed with xx<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 192 months of 0x30 consumer credit history per CBR. | 35732081-CAA4-41B9-A6DE-ED13DEF06EAD |
| 2000054156 | XXX | XX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5 years 4 month at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 775 is 115 points above the 660 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 35.76% is 14.24% below the 50% allowed for the program. | 213B1431-F890-4F9E-9D4D-DF84466754E0 |
| 2000054184 | XXX | XX | HI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 10 years 4 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 177 months PITIA is 171 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 762 is 102 points above the 660 FICO required for the program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 23 years 9 months at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 20.78% is 29.22% below the 50% allowed for the program. | 428A80A0-CE5C-4B52-8320-E0079112B5D8 |
| 2000054189 | XXX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt of CD issued 5/XX/25. | 5.xx.25-Client provided CD issued 5/xx/25, e-signed 5/xx/25. Satisfied. | 5.30.25- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 11 years 1 month at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 8 months PITIA vs 0 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 734 is 74 points above the 660 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 12.18% is 37.82% below the 50% allowed for the program. | 8A32EDFB-A802-4123-A33B-5AAD30C2514E |
| 2000054189 | XXX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt of CD issued 5/XX/25. | 5.xx.25-Client provided CD issued 5/xx/25, e-signed 5/xx/25. Satisfied. | 5.30.25- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 11 years 1 month at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 8 months PITIA vs 0 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 734 is 74 points above the 660 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 12.18% is 37.82% below the 50% allowed for the program. | 8A32EDFB-A802-4123-A33B-5AAD30C2514E |
| 2000054195 | XXX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing Desk Review to support appraisal Value; CU 4. | 5.xx.25 Provided DVR which supports the appraisal value5.xx.25 exception satisfied | 5.30.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 85% LTV < guideline maximum of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 qualifying score exceeds 660 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $98,728.55 reserves in file or 16.33 months PITI > required guidelines | AC6AA178-77AA-45A9-B60A-C71AF5A77FD8 |
| 2000054217 | XXX | XX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing Condo questionnaire completed by HOA/Management company | 6.xx.2025-Client's response: June 6th 2025, 4:39:37 pmfind the HOA cert requested.6.xx.2025-Clayton's response: Received the HOA Certification; exception satisfied. | 6.07.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 55% LTV < guideline maximum of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $1,068,188.60 reserves in file or 273.65months PITI > required guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 qualifying score exceeds 660 requirements | 66C34856-3892-45DE-A8CD-8B240171DE83 |
| 2000054248 | XXX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Provide LE issued within 3 business days of lock date 5/XX/25 OR Provide LOX, PCCD , Copy of tolerance check in amount of $853.12 and proof of delivery within 60 days of consummation. | 6.5.25-Client provided LE issued 5/xx/25, Origination fee increase due to loan amt increase after lock. Satisfied | 6.5.25- Satisfied | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has overall good credit history<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12 years 5 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 55 months PITIA is 43 months greater than the 12 months reserves required. | 8F082AC2-AF41-48F6-828D-DB6715F54E85 |
| 2000054248 | XXX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV of 76.31% is greater than the maximum 75% LTV allowed with a credit score of 692 and loan amount between $2M and $2.5M. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has overall good credit history<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12 years 5 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 55 months PITIA is 43 months greater than the 12 months reserves required. | 8F082AC2-AF41-48F6-828D-DB6715F54E85 |
| 2000054277 | XXX | XX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing XX 6/2024, 12/2024 statements used to calculate income. | 6.4.25 Bank statement for 6/2024 has been provided, there is no bank statement for 12/2024.6.4.25 exception satisfied | 6.4.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $96,855.85, or 11.65 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below guideline maximum of 90% for an Alt Doc cash out refinance with a 710 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per state registry borrower has been in business since 4/24/2017. | D070F80E-F9F6-43B8-8864-995083678CF8 |
| 2000054277 | XXX | XX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing XX 6/2024, 12/2024 statements used to calculate income. | 6.4.25 Bank statement for 6/2024 has been provided, there is no bank statement for 12/2024.6.4.25 exception satisfied | 6.4.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $96,855.85, or 11.65 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below guideline maximum of 90% for an Alt Doc cash out refinance with a 710 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per state registry borrower has been in business since 4/24/2017. | D070F80E-F9F6-43B8-8864-995083678CF8 |
| 2000054322 | XXX | XX | TX | (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: 147 Months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 96 months reserves exceeds guidelines.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59% LTV below guidelines requirement. | D1077D7A-8A75-40DB-8544-F70735B49582 |
| 2000054386 | XXX | XX | GA | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/Guidelines | Active | C | B | C | B | CRDTER5518 | Loan fails XX Minimum Equity requirement | No | Equity of $39,000 is less than the minimum equity requirement of $40,000. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 789 is 69 points above the 720 FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 94 months PITIA is 88 months greater than the 6 months reserves required. | 623987D1-9F30-4CB5-AF79-96EC4528777F |
| 2000054504 | XXX | XX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Final signed HUD 1 is missing in the file. | 6.4.25 Final settlement statement has been provided6.5.25 exception satisfied | 6.5.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Excellent Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $235,723.54 (Cash Out per Est Settlement in file) / $2,011.72 (PITI) = 117.18 Months Reserves<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Demonstrates positive Mortgage History | A3F9AC43-2F63-4722-BD51-7C82F5983CCC |
| 2000054979 | XXX | XX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing evidence of flood insurance in file. | 6.xx.2025-Client's response: June 6th 2025, 4:43:23 pmFlood insurance policy has been provided, please clear condition.6.xx.2025-Clayton's response: Received the Flood Insurance, exception satisfied. | 6.07.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 87 months PITIA is 81 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 711 is 31 points above the 680 FICO required for the program. | 3CC82ED7-8C0E-42B7-9EBD-B902729BB334 |
| 2000055080 | XXX | XX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide confirmation of receipt for initial CD 5/XX/25. | 6.xx.25-Client provided CD issued 5/xx/25, e-signed 5/xx/25. Satisfied. | 6.10.25- Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 20 years in profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 24 months PITIA is 18 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 780 is 120 points above the 660 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 31.71% is 18.29% below the 50% allowed for the program. | 3EFAF320-8B87-419C-A36F-00342B74937B |
| 2000055080 | XXX | XX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide confirmation of receipt for initial CD 5/XX/25. | 6.xx.25-Client provided CD issued 5/xx/25, e-signed 5/xx/25. Satisfied. | 6.10.25- Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 20 years in profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 24 months PITIA is 18 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 780 is 120 points above the 660 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 31.71% is 18.29% below the 50% allowed for the program. | 3EFAF320-8B87-419C-A36F-00342B74937B |
| 2000055080 | XXX | XX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing evidence of flood insurance in the file. | 6.9.25 please find the flood ins for review.6.xx.25 exception satisfied | 6.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 20 years in profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 24 months PITIA is 18 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 780 is 120 points above the 660 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 31.71% is 18.29% below the 50% allowed for the program. | 3EFAF320-8B87-419C-A36F-00342B74937B |
| 92300186039 | XXX | XX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing Verbal Verification. | 6/xx/25 Client provided VVOE. | 6/2/25 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 15 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36.03 is less than 43% maximum per guideline. | DD43094F-2F47-4778-B76A-D5EF577286CF |
| 92300186039 | XXX | XX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing 12 month bank statement worksheet with monthly detail and accounts used. | 6/xx/25 - Client provided 12 month bank statement analysis. | 6/2/25 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 15 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36.03 is less than 43% maximum per guideline. | DD43094F-2F47-4778-B76A-D5EF577286CF |
| 92300186039 | XXX | XX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER4238 | Business entity does not meet guidelines | No | Missing Business entity documents for 5 Star Collision reflecting Member ownership %. | 6/xx/25 Client provided - CPA letter stating 100% ownership. | 6/2/25 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 15 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36.03 is less than 43% maximum per guideline. | DD43094F-2F47-4778-B76A-D5EF577286CF |
| 92300186039 | XXX | XX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing Desk Review to support original apprised value of $XX. CU LCA score 4.5, CU score 999 as required by guidelines page 2. | 6/xx/25 Client provided Additional copy of the same appraisal provided. Exception remains.xx.4.25 Desk review provided by client value supported. | 6/4/25 Exception Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 15 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36.03 is less than 43% maximum per guideline. | DD43094F-2F47-4778-B76A-D5EF577286CF |

---

## Exhibit 99.12

**Exhibit 99.12 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Client Name:** | **New Residential Investment Corp** | **New Residential Investment Corp** | **New Residential Investment Corp** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **Client Project Name:** | **NRMLT 2025-NQM5** | **NRMLT 2025-NQM5** | **NRMLT 2025-NQM5** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **Start - End Dates:** | **5/6/2024 - 6/5/2025** | **5/6/2024 - 6/5/2025** | **5/6/2024 - 6/5/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **Deal Loan Count:** | **118** | **118** | **118** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **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:* | *118* | *118* | *118* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ASF Loan Number | **Loan Number** | **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** | **Full Diligence ID** |
| 400081399 | XX | Non-QM: Lender documented all ATR UW factors | No | Yes | XX | XX | No | No | 1718.99 | 9/25/2024 | 7.9676 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 | 9F01A4FC-8292-4A53-9825-F6B5C471E505 |
| 400060672 | XX | QM: Rebuttable Presumption (APOR) | No | Yes | XX | XX | No | Yes | 5467.98 | 4/10/2024 | 8.418 | Employed | (No Data) | (No Data) | (No Data) | (No Data) | No | 0 | D77D6120-94A5-47E5-BEB5-C5BB71FF1ADA |
| 400060667 | XX | QM: Safe Harbor (APOR) | No | Yes | XX | XX | No | Yes | 11459 | 5/1/2024 | 8.6825 | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | No | 0 | 5432A0B8-691B-480C-8A0E-44B22231E905 |
| 400081400 | XX | Non-QM: Lender documented all ATR UW factors | No | Yes | XX | XX | No | No | 12364 | 9/16/2024 | 8.221 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 | F0A341DC-753A-4FE1-B46D-38B6F6585AFB |
| 400084615 | XX | Non-QM: Lender documented all ATR UW factors | No | Yes | XX | XX | No | No | 5463.4 | 10/17/2024 | 8.588 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 | F7951D73-6CC4-45D1-BDF3-07F758CFFCE3 |
| 400098172 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | C4889937-684C-4739-93D9-B84B6F702D9C |
| 2000046668 | XX | Non-QM: Lender documented all ATR UW factors | No | Yes | XX | XX | No | No | 28094 | 5/7/2025 | 8.0811 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 56102.86 | BE574BF1-D520-439D-A9E2-F4E97CB0CBB5 |
| 400097191 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.9991 | Unemployed | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 | 4B3DA186-5758-43F8-B3AE-D5C69CE6841D |
| 400097168 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.999 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 | 5799276D-DA1F-48BD-AD86-90A11DDB16D8 |
| 400098131 | XX | QM: Safe Harbor (APOR) | No | Yes | XX | XX | No | Yes | 15534 | 1/23/2025 | 8.1586 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | A41F2E28-C3D9-4DE0-B1C8-9B1A929C5369 |
| 400098132 | XX | QM: Safe Harbor (APOR) | No | Yes | XX | XX | No | Yes | 21694 | 2/19/2025 | 7.6424 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 68394.37 | 5EDC67BC-7E8C-4D96-B36A-A75026F42D06 |
| 400097215 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 | 577A1F58-D9E1-49F2-A45F-CC3E8F99F3CD |
| 400097048 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 | 140F6E01-E50C-452C-9801-B88EC02907E1 |
| 400097050 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 | 30D388F6-8E0F-4565-BDFC-7175DD6113D7 |
| 400098160 | XX | Non-QM: Lender documented all ATR UW factors | No | Yes | XX | XX | No | No | 8983.59 | 2/20/2025 | 8.3233 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | 423ACFB5-B56B-40C0-A72A-1FB395CC10C8 |
| 400098137 | XX | Non-QM: Lender documented all ATR UW factors | No | Yes | XX | XX | No | No | 14942 | 2/18/2025 | 8.4931 | Employed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Yes | 40150.47 | 1EE7BCA0-95C2-44B1-9BE1-E3FD6AF2922A |
| 400098209 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | AB63C2A5-8108-4652-A7AE-7C402260C991 |
| 400097186 | XX | QM: Safe Harbor (APOR) | No | Yes | XX | XX | No | Yes | 24194 | 2/14/2025 | 8.1482 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 | BB9A4D23-E82B-4607-B9BC-FE8DAAF3AC2A |
| 400098141 | XX | Non-QM: Lender documented all ATR UW factors | No | Yes | XX | XX | No | No | 53019 | 2/12/2025 | 8.0904 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 75293.96 | 7BCFAE09-B8F1-4FC4-9209-63A0C81F59A5 |
| 400098212 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 0D8B5E03-67F0-4B97-92FC-0360543561C2 |
| 400098214 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.9991 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | B513235C-5A9B-4638-9AF1-F14487A69807 |
| 2000048522 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.9991 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | F561A39C-B770-41D5-B333-1085BFA46848 |
| 400098224 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | F1EFA461-8B62-49F4-AFD1-75DD15764AE5 |
| 400098227 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | B2F5DA69-0267-47C3-BE02-BAC8BEE5CD55 |
| 400098165 | XX | Non-QM: Lender documented all ATR UW factors | No | Yes | XX | XX | No | No | 13999 | 2/11/2025 | 8.2534 | Employed | Unemployed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0 | DBC3CD33-6C99-4835-944C-70266EDDDE53 |
| 2000048932 | XX | Non-QM: Lender documented all ATR UW factors | No | Yes | XX | XX | No | No | 6852.48 | 4/22/2025 | 8.519 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 1896.17 | 1CDF34BF-2CCF-4B9C-B201-ECCEB5EC8763 |
| 400098260 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 3D2EB779-E7D3-4DF6-80DE-2AEF7C4FFC42 |
| 400098242 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 294BA0C8-D026-4DB1-B2F7-C87504F8D398 |
| 400098148 | XX | Non-QM: Lender documented all ATR UW factors | No | Yes | XX | XX | No | No | 9994.38 | 2/21/2025 | 7.619 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | B7A9D9B1-5C1D-4D3F-8BDE-073D1549094B |
| 2000049381 | XX | Non-QM: Lender documented all ATR UW factors | No | Yes | XX | XX | No | No | 13100.25 | 2/25/2025 | 9.1649 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | 03E72500-EC0A-4DB3-8083-4FCF8EBEDA41 |
| 2000049388 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.7501 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | 049FC095-EE03-4644-B7D3-A54E5FF0B765 |
| 2000049508 | XX | QM: Safe Harbor (APOR) | No | Yes | XX | XX | No | Yes | 7916 | 3/4/2025 | 7.5499 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | 688A7D63-DB9D-4111-A397-82E5C3E25948 |
| 2000049790 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.9991 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | ADAF949A-DC4B-46E8-BBDF-44B6171EA090 |
| 2000049854 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | 1794F1C0-F89E-4B6A-90A0-C4CA3EAAB819 |
| 2000050073 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 6D862482-E87A-418F-99F8-595708B8E36F |
| 2000050191 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.7501 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | 30078EED-D64C-475D-9FBE-6856915AAB6A |
| 2000050197 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.7501 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | 6518AACB-9013-43B8-AA0E-38D155BB7B17 |
| 2000050306 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | E4C5B3F0-3C34-4DD8-85AF-C35D092F4B1D |
| 2000050339 | XX | QM: Safe Harbor (APOR) | No | Yes | XX | XX | No | Yes | 12744 | 5/16/2025 | 8.2464 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | 0E97A3C3-ED0A-4A92-A311-FF280452F04F |
| 2000050709 | XX | Non-QM: Lender documented all ATR UW factors | No | Yes | XX | XX | No | No | 14515.73 | 4/29/2025 | 8.0382 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Yes | 5362.96 | B6E78ADB-B887-4BF3-9971-87E4371D4A3F |
| 2000050983 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | EC96CB58-49C3-4DDA-B0EA-10463125DC2E |
| 2000051247 | XX | Non-QM: Lender documented all ATR UW factors | No | Yes | XX | XX | No | No | 37787.75 | 4/7/2025 | 8.4196 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | E942575C-15C5-4E35-8ADE-08F2453A5157 |
| 2000051265 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.9991 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | 92A2A193-F51F-4F6B-B49F-2AE48FF20B36 |
| 2000051269 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.75 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | D88140A8-30BE-4857-B932-209C75BF038A |
| 2000051330 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | 029D61C9-7A55-4044-B5F0-AEBFC3F87429 |
| 2000051493 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.9991 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | B9EF7281-FEF1-4CD5-8E80-FF9B3BFADAB6 |
| 2000051566 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | F2C1D1FB-0349-461C-B666-66D3B2B2689D |
| 2000051582 | XX | QM: Safe Harbor (APOR) | No | Yes | XX | XX | No | Yes | 1665 | 4/30/2025 | 7.2401 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 | 87A8B878-0B80-41D6-AFAA-F3EAB02CFEC4 |
| 2000051643 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | A64CD3E3-66B8-457C-86E6-D1227EDFFEE9 |
| 2000051651 | XX | QM: Rebuttable Presumption (APOR) | No | Yes | XX | XX | No | Yes | 12340 | 5/1/2025 | 8.4656 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 18604.36 | 7DE88407-8B0B-4A38-84B8-78AD66483095 |
| 2000051891 | XX | QM: Safe Harbor (APOR) | No | Yes | XX | XX | No | Yes | 10964 | 4/17/2025 | 8.1441 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | F9512DA2-3ADF-410C-9788-C0260EA515EA |
| 2000051977 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 8.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | BCBB4A2B-3DD5-48F8-B7D1-0EB871F6C534 |
| 2000051995 | XX | Non-QM: Lender documented all ATR UW factors | No | Yes | XX | XX | No | No | 6349 | 4/11/2025 | 9.2703 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | 16625082-32B4-49D0-97B5-8395F4A17AAD |
| 2000052001 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | A628E67C-215A-42EC-8578-2DC6F52DBFD0 |
| 2000052033 | XX | Non-QM: Lender documented all ATR UW factors | No | Yes | XX | XX | No | No | 12914 | 5/9/2025 | 8.1281 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | 2E797FB5-6EDC-4139-B74C-77E706EB24FE |
| 2000052086 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | 4B30CA63-0C29-4351-AC49-0EB77ABD2A91 |
| 2000052130 | XX | QM: Safe Harbor (APOR) | No | Yes | XX | XX | No | Yes | 8244 | 5/15/2025 | 7.5585 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | DE40315A-D238-4881-9067-36B93850B5F6 |
| 2000052167 | XX | Non-QM: Lender documented all ATR UW factors | No | Yes | XX | XX | No | No | 42779 | 5/8/2025 | 9.9841 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | D3F73767-F816-45D1-A2C8-5D1E8CAEEC34 |
| 2000052201 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | D799EED5-CE11-485F-91A5-CF87B2CCEBF0 |
| 2000052239 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | E94184FD-D4A2-455E-80B3-2013743D773E |
| 2000052274 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | 54DBA9CA-2409-405F-9D9E-65D5FCB9E36B |
| 2000052282 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 68EFAB5E-0302-4801-A47E-B45C3796E798 |
| 2000052307 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | E5B44F7A-A7E4-492C-87B2-B9BE668D44B9 |
| 2000052349 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.7501 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | DDB53B6F-B66B-4C29-BF44-4F671A32F2DA |
| 2000052397 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | B471653C-1EED-4504-A749-566D0DF47FF8 |
| 2000052434 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | C5F562B3-7003-4501-AE57-B4686259B2A4 |
| 2000052465 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | B3A63312-26E1-4E70-9D63-4F7816D8F6FD |
| 2000052492 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 8294772B-7487-4CAA-BEF9-1B1ED178E008 |
| 2000052494 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | 80F750A7-2F78-49E8-8BDF-7AE19B0ED19A |
| 2000052570 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | E06A9CD2-5D2E-4563-9B24-8321F55F7458 |
| 2000052637 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 8.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | 81DCCF8D-73F9-4238-931A-5CFDF784947D |
| 2000052654 | XX | QM: Safe Harbor (APOR) | No | Yes | XX | XX | No | Yes | 30484.63 | 5/8/2025 | 7.9581 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 59964.31 | EA1742D0-16B9-4756-B7FB-62B6829EBD6E |
| 2000052670 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | BD20BCBC-1C40-4C0E-A8D0-DF847AE5E8E7 |
| 2000052673 | XX | QM: Safe Harbor (APOR) | No | Yes | XX | XX | No | Yes | 24064 | 4/9/2025 | 7.504 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 19617.43 | 825BAFD7-AA0F-4577-9F06-C5071CE00261 |
| 2000052677 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 8.375 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | 00DBDC1E-0B8A-4619-8C1D-D60E6F5279F9 |
| 2000052685 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | 7C20AA61-C5A8-48E1-BA7F-08F70DF2BBE4 |
| 2000052697 | XX | QM: Safe Harbor (APOR) | No | Yes | XX | XX | No | Yes | 20701.5 | 4/16/2025 | 8.012 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 101124.62 | EF172BC0-1DE9-44BF-ACFF-87DC9CA44231 |
| 2000052771 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.625 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | BA41CDCF-786E-402C-AD85-DE505A3F5F19 |
| 2000052787 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | 0770F020-E3B6-422D-84B1-0DB824C5F3E5 |
| 2000052829 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 8.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 5C8A5C90-46CD-4001-9A5B-1FC3AEDB701F |
| 2000052886 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | E543E6B1-FB61-40F8-B280-E0EBFE00FBA8 |
| 2000053021 | XX | QM: Safe Harbor (APOR) | No | Yes | XX | XX | No | Yes | 31694 | 4/18/2025 | 7.7704 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 13059.54 | D8F43F1A-22EE-4EBD-AFDD-AFB542019EFE |
| 2000053083 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | 287A96C9-280A-4C6C-8AF7-FDB06BF15D82 |
| 2000053133 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 4C44F06B-A4D8-4102-94D9-A49DE29CEAB3 |
| 2000053134 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 9.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | DC542995-0B8C-4B20-9240-0079E75C10FD |
| 2000053198 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 88D2A7AA-8B07-482B-8ED1-EE109C41376E |
| 2000053200 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 8.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | E8D6E9C7-F8B7-4A79-B2F9-4D042468E55E |
| 2000053208 | XX | QM: Safe Harbor (APOR) | No | Yes | XX | XX | No | Yes | 8314 | 4/28/2025 | 7.9406 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | 06DA7BD0-D9B6-4120-8364-FD29F0D99513 |
| 2000053255 | XX | Non-QM: Lender documented all ATR UW factors | No | Yes | XX | XX | No | No | 4694 | 5/5/2025 | 7.9636 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | 8593F382-7F1B-4079-BAFF-59B4BBF0A75E |
| 2000053333 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.1251 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 | 10A89576-3663-47BE-A65E-2748E4B55D5F |
| 2000053378 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.625 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | 47EAD978-A586-4C41-8DB5-B46A1FC8A8AB |
| 2000053397 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 8.375 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | 55463BDE-AF08-4112-B1C3-FDF503E8EEB7 |
| 2000053442 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 8.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | 148A5A0E-B0C2-4BB8-BEA1-40B20E9BA484 |
| 2000053448 | XX | Non-QM: Lender documented all ATR UW factors | No | Yes | XX | XX | No | No | 7253.98 | 5/2/2025 | 8.3491 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | F6CB9A53-B346-443A-9959-0763CB67ED76 |
| 2000053545 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 8.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | AA3E3368-F356-4923-A66E-CD251F746186 |
| 2000053591 | XX | QM: Safe Harbor (APOR) | No | Yes | XX | XX | No | Yes | 12631.5 | 4/25/2025 | 7.3311 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 1425145.84 | 15A0AE0D-3035-4DC7-81A4-899F82CC007D |
| 2000053648 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | 40B37026-F006-46BD-AB5E-B63A3C55CB1C |
| 2000053655 | XX | QM: Safe Harbor (APOR) | No | Yes | XX | XX | No | Yes | 14194 | 5/16/2025 | 7.7932 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 106704.87 | EA020963-CDF0-4800-A038-E69BC0006169 |
| 2000053681 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 16108112-D557-494F-8A16-EB6C0C14D771 |
| 2000053719 | XX | Non-QM: Lender documented all ATR UW factors | No | Yes | XX | XX | No | No | 29574 | 4/28/2025 | 8.0739 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | 86C36AF3-A9C1-43E5-B99A-9438C85E9F9E |
| 2000053731 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | 238FF3FF-8981-436A-B130-F9AB0BD2710F |
| 2000053853 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | DD73C63C-5B58-4F2C-96B3-2625B4022C99 |
| 2000053999 | XX | QM: Rebuttable Presumption (APOR) | No | Yes | XX | XX | No | Yes | 20444 | 5/8/2025 | 8.556 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 54941.83 | C4D35D5F-D684-4A59-9861-8706FA12F952 |
| 2000054015 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | CCF34269-4ED1-45AF-802B-2661CB7CEAE0 |
| 2000054087 | XX | QM: Safe Harbor (APOR) | No | Yes | XX | XX | No | Yes | 7178.37 | 4/30/2025 | 8.5189 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | 35732081-CAA4-41B9-A6DE-ED13DEF06EAD |
| 2000054156 | XX | Non-QM: Lender documented all ATR UW factors | No | Yes | XX | XX | No | No | 46160.8 | 5/6/2025 | 7.3206 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 20054.78 | 213B1431-F890-4F9E-9D4D-DF84466754E0 |
| 2000054184 | XX | QM: Safe Harbor (APOR) | No | Yes | XX | XX | No | Yes | 11357.78 | 4/30/2025 | 7.9636 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 55381.27 | 428A80A0-CE5C-4B52-8320-E0079112B5D8 |
| 2000054189 | XX | QM: Safe Harbor (APOR) | No | Yes | XX | XX | No | Yes | 39994 | 5/1/2025 | 7.9204 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 270485.86 | 8A32EDFB-A802-4123-A33B-5AAD30C2514E |
| 2000054195 | XX | QM: Safe Harbor (APOR) | No | Yes | XX | XX | No | Yes | 17713.38 | 5/1/2025 | 7.907 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 15157.64 | AC6AA178-77AA-45A9-B60A-C71AF5A77FD8 |
| 2000054217 | XX | Non-QM: Lender documented all ATR UW factors | No | Yes | XX | XX | No | No | 7848.25 | 5/2/2025 | 7.4865 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | 66C34856-3892-45DE-A8CD-8B240171DE83 |
| 2000054248 | XX | QM: Safe Harbor (APOR) | No | Yes | XX | XX | No | Yes | 51347.12 | 5/8/2025 | 8.0001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 23640.9 | 8F082AC2-AF41-48F6-828D-DB6715F54E85 |
| 2000054277 | XX | QM: Safe Harbor (APOR) | No | Yes | XX | XX | No | Yes | 23594 | 5/13/2025 | 7.907 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | D070F80E-F9F6-43B8-8864-995083678CF8 |
| 2000054322 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 8.125 | Unemployed | Unemployed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 | D1077D7A-8A75-40DB-8544-F70735B49582 |
| 2000054386 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 623987D1-9F30-4CB5-AF79-96EC4528777F |
| 2000054504 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | A3F9AC43-2F63-4722-BD51-7C82F5983CCC |
| 2000054979 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 3CC82ED7-8C0E-42B7-9EBD-B902729BB334 |
| 2000055080 | XX | QM: Safe Harbor (APOR) | No | Yes | XX | XX | No | Yes | 13304 | 5/22/2025 | 7.2467 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 59617.62 | 3EFAF320-8B87-419C-A36F-00342B74937B |
| 92300186039 | XX | ATR/QM: Exempt | No | Yes | XX | XX | No | No | 0 | 1/1/1900 | 8.374 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | DD43094F-2F47-4778-B76A-D5EF577286CF |
|  | <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

**Exhibit 99.12 Schedule 5**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Client Name:** | New Residential Investment Corp | New Residential Investment Corp | New Residential Investment Corp |  |  |
|  | **Client Project Name:** | NRMLT 2025-NQM5 | NRMLT 2025-NQM5 | NRMLT 2025-NQM5 |  |  |
|  | **Start - End Dates:** | 5/6/2024 - 6/5/2025 | 5/6/2024 - 6/5/2025 | 5/6/2024 - 6/5/2025 |  |  |
|  | **Deal Loan Count:** | 118 | 118 | 118 |  |  |
|  | **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |  |  |  |
|  | *Loans in Report* | *118* | *118* | *118* |  |  |
| ASF Loan Number | **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** | **Full Diligence ID** |
| 400060672 | XX | XX | Disbursement Date | XX | XX | D77D6120-94A5-47E5-BEB5-C5BB71FF1ADA |
| 400060667 | XX | XX | Disbursement Date | XX | XX | 5432A0B8-691B-480C-8A0E-44B22231E905 |
| 400081400 | XX | XX | Representative Credit Score for Grading | 702 | 705 | F0A341DC-753A-4FE1-B46D-38B6F6585AFB |
| 400084615 | XX | XX | DTI Qualifying (Back) | 48.3200 | 26.7100 | F7951D73-6CC4-45D1-BDF3-07F758CFFCE3 |
| 400084615 | XX | XX | Property Type | Detached PUD | Attached PUD | F7951D73-6CC4-45D1-BDF3-07F758CFFCE3 |
| 400084615 | XX | XX | Total Cash Out | 125967.31 | 27052.53 | F7951D73-6CC4-45D1-BDF3-07F758CFFCE3 |
| 400098131 | XX | XX | Representative Credit Score for Grading | 717 | 720 | A41F2E28-C3D9-4DE0-B1C8-9B1A929C5369 |
| 400098131 | XX | XX | Total Cash Out | 605663.48 | 123223.53 | A41F2E28-C3D9-4DE0-B1C8-9B1A929C5369 |
| 400098132 | XX | XX | Total Cash Out | 1439876.89 | 677844.65 | 5EDC67BC-7E8C-4D96-B36A-A75026F42D06 |
| 400098160 | XX | XX | Cash Reserves | 298073.96 | 608040.66 | 423ACFB5-B56B-40C0-A72A-1FB395CC10C8 |
| 400098160 | XX | XX | Months Reserves | 76.00 | 155.84 | 423ACFB5-B56B-40C0-A72A-1FB395CC10C8 |
| 400098160 | XX | XX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) | 423ACFB5-B56B-40C0-A72A-1FB395CC10C8 |
| 400098160 | XX | XX | Total Cash Out | 298073.96 | 295717.87 | 423ACFB5-B56B-40C0-A72A-1FB395CC10C8 |
| 400098209 | XX | XX | Disbursement Date | XX | XX | AB63C2A5-8108-4652-A7AE-7C402260C991 |
| 400098141 | XX | XX | Disbursement Date | XX | XX | 7BCFAE09-B8F1-4FC4-9209-63A0C81F59A5 |
| 400098141 | XX | XX | Total Cash Out | 299944.79 | 299652.67 | 7BCFAE09-B8F1-4FC4-9209-63A0C81F59A5 |
| 400098212 | XX | XX | Cash Reserves | 79558.56 | 99385.35 | 0D8B5E03-67F0-4B97-92FC-0360543561C2 |
| 400098212 | XX | XX | Months Reserves | 38.00 | 47.62 | 0D8B5E03-67F0-4B97-92FC-0360543561C2 |
| 400098227 | XX | XX | Total Cash Out | 98400.45 | 98340.45 | B2F5DA69-0267-47C3-BE02-BAC8BEE5CD55 |
| 400098260 | XX | XX | Disbursement Date | XX | XX | 3D2EB779-E7D3-4DF6-80DE-2AEF7C4FFC42 |
| 400098260 | XX | XX | Total Cash Out | 41631.45 | 41769.45 | 3D2EB779-E7D3-4DF6-80DE-2AEF7C4FFC42 |
| 2000049381 | XX | XX | Total Cash Out | 144854.61 | 142719.61 | 03E72500-EC0A-4DB3-8083-4FCF8EBEDA41 |
| 2000049388 | XX | XX | Loan Purpose | Cashout Refi | Rate and Term Refi | 049FC095-EE03-4644-B7D3-A54E5FF0B765 |
| 2000050073 | XX | XX | Total Cash Out | 105335.67 | 104343.77 | 6D862482-E87A-418F-99F8-595708B8E36F |
| 2000050191 | XX | XX | Cash Reserves | 711547.16 | 341886.15 | 30078EED-D64C-475D-9FBE-6856915AAB6A |
| 2000050191 | XX | XX | Months Reserves | 215.00 | 103.45 | 30078EED-D64C-475D-9FBE-6856915AAB6A |
| 2000050191 | XX | XX | Total Cash Out | 35150.16 | 35891.29 | 30078EED-D64C-475D-9FBE-6856915AAB6A |
| 2000050197 | XX | XX | Total Cash Out | 32543.66 | 32543.69 | 6518AACB-9013-43B8-AA0E-38D155BB7B17 |
| 2000050306 | XX | XX | Borrower DSCR Percent | 1.4100 | 1.2348 | E4C5B3F0-3C34-4DD8-85AF-C35D092F4B1D |
| 2000050339 | XX | XX | DTI Qualifying (Back) | 42.1000 | 48.8100 | 0E97A3C3-ED0A-4A92-A311-FF280452F04F |
| 2000050709 | XX | XX | Cash Reserves | 117092.93 | 81883.88 | B6E78ADB-B887-4BF3-9971-87E4371D4A3F |
| 2000050709 | XX | XX | Months Reserves | 35.00 | 24.98 | B6E78ADB-B887-4BF3-9971-87E4371D4A3F |
| 2000050709 | XX | XX | Representative Credit Score for Grading | 680 | 699 | B6E78ADB-B887-4BF3-9971-87E4371D4A3F |
| 2000050983 | XX | XX | Disbursement Date | XX | XX | EC96CB58-49C3-4DDA-B0EA-10463125DC2E |
| 2000050983 | XX | XX | Total Cash Out | 87096.99 | 87671.99 | EC96CB58-49C3-4DDA-B0EA-10463125DC2E |
| 2000051247 | XX | XX | Total Cash Out | 214963.44 | 1296357.63 | E942575C-15C5-4E35-8ADE-08F2453A5157 |
| 2000051269 | XX | XX | Total Cash Out | 9256.40 | 9256.49 | D88140A8-30BE-4857-B932-209C75BF038A |
| 2000051566 | XX | XX | Cash Reserves | 2889.04 | 33366.23 | F2C1D1FB-0349-461C-B666-66D3B2B2689D |
| 2000051566 | XX | XX | Disbursement Date | XX | XX | F2C1D1FB-0349-461C-B666-66D3B2B2689D |
| 2000051582 | XX | XX | Cash Reserves | 2075245.61 | 2389254.37 | 87A8B878-0B80-41D6-AFAA-F3EAB02CFEC4 |
| 2000051582 | XX | XX | Months Reserves | 177.00 | 204.23 | 87A8B878-0B80-41D6-AFAA-F3EAB02CFEC4 |
| 2000051651 | XX | XX | Cash Reserves | 103120.72 | 88120.72 | 7DE88407-8B0B-4A38-84B8-78AD66483095 |
| 2000051651 | XX | XX | Months Reserves | 17.00 | 15.05 | 7DE88407-8B0B-4A38-84B8-78AD66483095 |
| 2000051891 | XX | XX | Disbursement Date | XX | XX | F9512DA2-3ADF-410C-9788-C0260EA515EA |
| 2000051977 | XX | XX | Original Appraised Value | XX | XX | BCBB4A2B-3DD5-48F8-B7D1-0EB871F6C534 |
| 2000051995 | XX | XX | Cash Reserves | 64827.40 | 45048.38 | 16625082-32B4-49D0-97B5-8395F4A17AAD |
| 2000051995 | XX | XX | DTI Qualifying (Back) | 31.6600 | 24.5900 | 16625082-32B4-49D0-97B5-8395F4A17AAD |
| 2000051995 | XX | XX | Months Reserves | 24.00 | 17.23 | 16625082-32B4-49D0-97B5-8395F4A17AAD |
| 2000051995 | XX | XX | Original Appraised Value | XX | XX | 16625082-32B4-49D0-97B5-8395F4A17AAD |
| 2000052001 | XX | XX | Cash Reserves | 825887.97 | 778414.19 | A628E67C-215A-42EC-8578-2DC6F52DBFD0 |
| 2000052001 | XX | XX | Disbursement Date | XX | XX | A628E67C-215A-42EC-8578-2DC6F52DBFD0 |
| 2000052001 | XX | XX | Months Reserves | 277.00 | 261.84 | A628E67C-215A-42EC-8578-2DC6F52DBFD0 |
| 2000052001 | XX | XX | Total Cash Out | 332834.74 | 333116.74 | A628E67C-215A-42EC-8578-2DC6F52DBFD0 |
| 2000052086 | XX | XX | Cash Reserves | 123539.62 | 133759.24 | 4B30CA63-0C29-4351-AC49-0EB77ABD2A91 |
| 2000052086 | XX | XX | Months Reserves | 63.00 | 69.17 | 4B30CA63-0C29-4351-AC49-0EB77ABD2A91 |
| 2000052130 | XX | XX | Cash Reserves | 192463.07 | 147855.98 | DE40315A-D238-4881-9067-36B93850B5F6 |
| 2000052130 | XX | XX | Months Reserves | 39.00 | 30.08 | DE40315A-D238-4881-9067-36B93850B5F6 |
| 2000052201 | XX | XX | Total Cash Out | 58098.06 | 57390.98 | D799EED5-CE11-485F-91A5-CF87B2CCEBF0 |
| 2000052282 | XX | XX | Cash Reserves | 92910.18 | 777712.40 | 68EFAB5E-0302-4801-A47E-B45C3796E798 |
| 2000052282 | XX | XX | Months Reserves | 24.00 | 204.13 | 68EFAB5E-0302-4801-A47E-B45C3796E798 |
| 2000052349 | XX | XX | Disbursement Date | XX | XX | DDB53B6F-B66B-4C29-BF44-4F671A32F2DA |
| 2000052492 | XX | XX | Disbursement Date | XX | XX | 8294772B-7487-4CAA-BEF9-1B1ED178E008 |
| 2000052494 | XX | XX | Total Cash Out | 656350.88 | 656000.88 | 80F750A7-2F78-49E8-8BDF-7AE19B0ED19A |
| 2000052654 | XX | XX | Total Cash Out | 353833.56 | 426004.52 | EA1742D0-16B9-4756-B7FB-62B6829EBD6E |
| 2000052670 | XX | XX | Original Appraised Value | XX | XX | BD20BCBC-1C40-4C0E-A8D0-DF847AE5E8E7 |
| 2000052670 | XX | XX | Total Cash Out | 15039.20 | 14396.08 | BD20BCBC-1C40-4C0E-A8D0-DF847AE5E8E7 |
| 2000052673 | XX | XX | DTI Qualifying (Back) | 43.2100 | 47.1300 | 825BAFD7-AA0F-4577-9F06-C5071CE00261 |
| 2000052677 | XX | XX | Total Cash Out | 358142.06 | 357438.56 | 00DBDC1E-0B8A-4619-8C1D-D60E6F5279F9 |
| 2000052685 | XX | XX | Total Cash Out | 206678.12 | 206798.92 | 7C20AA61-C5A8-48E1-BA7F-08F70DF2BBE4 |
| 2000052697 | XX | XX | Total Cash Out | 439360.68 | 435371.68 | EF172BC0-1DE9-44BF-ACFF-87DC9CA44231 |
| 2000052787 | XX | XX | Cash Reserves | 106124.33 | 156849.38 | 0770F020-E3B6-422D-84B1-0DB824C5F3E5 |
| 2000052787 | XX | XX | Months Reserves | 53.00 | 79.64 | 0770F020-E3B6-422D-84B1-0DB824C5F3E5 |
| 2000052886 | XX | XX | Original Appraised Value | XX | XX | E543E6B1-FB61-40F8-B280-E0EBFE00FBA8 |
| 2000053133 | XX | XX | Disbursement Date | XX | XX | 4C44F06B-A4D8-4102-94D9-A49DE29CEAB3 |
| 2000053133 | XX | XX | Total Cash Out | 98941.79 | 93302.60 | 4C44F06B-A4D8-4102-94D9-A49DE29CEAB3 |
| 2000053134 | XX | XX | Cash Reserves | 2536227.49 | 860902.49 | DC542995-0B8C-4B20-9240-0079E75C10FD |
| 2000053134 | XX | XX | Months Reserves | 290.00 | 103.86 | DC542995-0B8C-4B20-9240-0079E75C10FD |
| 2000053200 | XX | XX | Combined LTV | 71.50 | 75.00 | E8D6E9C7-F8B7-4A79-B2F9-4D042468E55E |
| 2000053200 | XX | XX | Original LTV | 71.50 | 75.00 | E8D6E9C7-F8B7-4A79-B2F9-4D042468E55E |
| 2000053208 | XX | XX | Cash Reserves | 306477.91 | 763454.50 | 06DA7BD0-D9B6-4120-8364-FD29F0D99513 |
| 2000053208 | XX | XX | Months Reserves | 113.00 | 280.88 | 06DA7BD0-D9B6-4120-8364-FD29F0D99513 |
| 2000053442 | XX | XX | Cash Reserves | 245866.14 | 293666.14 | 148A5A0E-B0C2-4BB8-BEA1-40B20E9BA484 |
| 2000053442 | XX | XX | Months Reserves | 88.00 | 113.44 | 148A5A0E-B0C2-4BB8-BEA1-40B20E9BA484 |
| 2000053442 | XX | XX | Original Appraised Value | XX | XX | 148A5A0E-B0C2-4BB8-BEA1-40B20E9BA484 |
| 2000053591 | XX | XX | Cash Reserves | 1612264.07 | 1425145.84 | 15A0AE0D-3035-4DC7-81A4-899F82CC007D |
| 2000053591 | XX | XX | Months Reserves | 227.00 | 210.69 | 15A0AE0D-3035-4DC7-81A4-899F82CC007D |
| 2000053648 | XX | XX | Disbursement Date | XX | XX | 40B37026-F006-46BD-AB5E-B63A3C55CB1C |
| 2000053648 | XX | XX | Total Cash Out | 71915.93 | 71874.64 | 40B37026-F006-46BD-AB5E-B63A3C55CB1C |
| 2000053655 | XX | XX | Total Cash Out | 48295.80 | 322786.50 | EA020963-CDF0-4800-A038-E69BC0006169 |
| 2000053681 | XX | XX | Property Type | Detached PUD | Attached PUD | 16108112-D557-494F-8A16-EB6C0C14D771 |
| 2000053681 | XX | XX | Total Cash Out | 290611.87 | 157435.25 | 16108112-D557-494F-8A16-EB6C0C14D771 |
| 2000053719 | XX | XX | Cash Reserves | 583154.31 | 567707.98 | 86C36AF3-A9C1-43E5-B99A-9438C85E9F9E |
| 2000053719 | XX | XX | Months Reserves | 69.00 | 67.90 | 86C36AF3-A9C1-43E5-B99A-9438C85E9F9E |
| 2000053719 | XX | XX | Total Cash Out | 567707.98 | 567723.98 | 86C36AF3-A9C1-43E5-B99A-9438C85E9F9E |
| 2000054087 | XX | XX | Total Cash Out | 37382.57 | 36061.57 | 35732081-CAA4-41B9-A6DE-ED13DEF06EAD |
| 2000054156 | XX | XX | Original Appraised Value | XX | XX | 213B1431-F890-4F9E-9D4D-DF84466754E0 |
| 2000054184 | XX | XX | Disbursement Date | XX | XX | 428A80A0-CE5C-4B52-8320-E0079112B5D8 |
| 2000054217 | XX | XX | Cash Reserves | 748521.47 | 1068188.60 | 66C34856-3892-45DE-A8CD-8B240171DE83 |
| 2000054217 | XX | XX | Disbursement Date | XX | XX | 66C34856-3892-45DE-A8CD-8B240171DE83 |
| 2000054217 | XX | XX | Months Reserves | 189.00 | 273.65 | 66C34856-3892-45DE-A8CD-8B240171DE83 |
| 2000054248 | XX | XX | Original Appraised Value | XX | XX | 8F082AC2-AF41-48F6-828D-DB6715F54E85 |
| 2000054277 | XX | XX | Property Type | Condotel | Site Condo | D070F80E-F9F6-43B8-8864-995083678CF8 |
| 2000054504 | XX | XX | Disbursement Date | XX | XX | A3F9AC43-2F63-4722-BD51-7C82F5983CCC |
| 2000054504 | XX | XX | Total Cash Out | 235572.54 | 235724.54 | A3F9AC43-2F63-4722-BD51-7C82F5983CCC |
| 2000054979 | XX | XX | Total Cash Out | 150564.19 | 143539.25 | 3CC82ED7-8C0E-42B7-9EBD-B902729BB334 |
| 92300186039 | XX | XX | Debt to Income Ratio (Back) | 38.9110 | 32.8633 | DD43094F-2F47-4778-B76A-D5EF577286CF |
| 92300186039 | XX | XX | Property Zip | XX | XX | DD43094F-2F47-4778-B76A-D5EF577286CF |
|  |©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 99.12

**Exhibit 99.12 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Client Name:** | **New Residential Investment Corp** | **New Residential Investment Corp** | **New Residential Investment Corp** | **New Residential Investment Corp** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **Client Project Name:** | **NRMLT 2025-NQM5** | **NRMLT 2025-NQM5** | **NRMLT 2025-NQM5** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **Start - End Dates:** | **5/6/2024 - 6/5/2025** | **5/6/2024 - 6/5/2025** | **5/6/2024 - 6/5/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **Deal Loan Count:** | **118** | **118** | **118** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | ***Loans in Report:*** | *118* | *118* | *118* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | ***Loans with Conditions:*** | *77* | *77* | *77* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ASF Loan Number | **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Loan Credit Grade** | **Final Securitization Loan Credit Grade** | **Initial Securitization Loan Property Valuation Grade** | **Final Securitization Loan Property Valuations Grade** | **Initial Securitization Loan Compliance Grade** | **Final Securitization Loan Compliance Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Loan Credit Grade** | **Final S&P Loan Credit Grade** | **Initial S&P Loan Property Valuation Grade** | **Final S&P Loan Property Valuations Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** | **Did Lender Acknowledge Exception at Origination** | **Full Diligence ID** |
| 400081399 | XX | Yes | XX | XX | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Not Applicable | 9F01A4FC-8292-4A53-9825-F6B5C471E505 |
| 400060672 | XX | Yes | XX | XX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Not Applicable | D77D6120-94A5-47E5-BEB5-C5BB71FF1ADA |
| 400060667 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | 5432A0B8-691B-480C-8A0E-44B22231E905 |
| 400081400 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | F0A341DC-753A-4FE1-B46D-38B6F6585AFB |
| 400084615 | XX | Yes | XX | XX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable | F7951D73-6CC4-45D1-BDF3-07F758CFFCE3 |
| 400098172 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | C4889937-684C-4739-93D9-B84B6F702D9C |
| 2000046668 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | BE574BF1-D520-439D-A9E2-F4E97CB0CBB5 |
| 400097191 | XX | Yes | XX | XX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No | 4B3DA186-5758-43F8-B3AE-D5C69CE6841D |
| 400097168 | XX | Yes | XX | XX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Not Applicable | 5799276D-DA1F-48BD-AD86-90A11DDB16D8 |
| 400098131 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | A41F2E28-C3D9-4DE0-B1C8-9B1A929C5369 |
| 400098132 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | 5EDC67BC-7E8C-4D96-B36A-A75026F42D06 |
| 400097215 | XX | Yes | XX | XX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | No | 577A1F58-D9E1-49F2-A45F-CC3E8F99F3CD |
| 400097048 | XX | Yes | XX | XX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Not Applicable | 140F6E01-E50C-452C-9801-B88EC02907E1 |
| 400097050 | XX | Yes | XX | XX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No | 30D388F6-8E0F-4565-BDFC-7175DD6113D7 |
| 400098160 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | 423ACFB5-B56B-40C0-A72A-1FB395CC10C8 |
| 400098137 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | 1EE7BCA0-95C2-44B1-9BE1-E3FD6AF2922A |
| 400098209 | XX | Yes | XX | XX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | AB63C2A5-8108-4652-A7AE-7C402260C991 |
| 400097186 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | BB9A4D23-E82B-4607-B9BC-FE8DAAF3AC2A |
| 400098141 | XX | Yes | XX | XX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable | 7BCFAE09-B8F1-4FC4-9209-63A0C81F59A5 |
| 400098212 | XX | Yes | XX | XX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | 0D8B5E03-67F0-4B97-92FC-0360543561C2 |
| 400098214 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | B513235C-5A9B-4638-9AF1-F14487A69807 |
| 2000048522 | XX | Yes | XX | XX | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Not Applicable | F561A39C-B770-41D5-B333-1085BFA46848 |
| 400098224 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | F1EFA461-8B62-49F4-AFD1-75DD15764AE5 |
| 400098227 | XX | Yes | XX | XX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | B2F5DA69-0267-47C3-BE02-BAC8BEE5CD55 |
| 400098165 | XX | Yes | XX | XX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes | DBC3CD33-6C99-4835-944C-70266EDDDE53 |
| 2000048932 | XX | Yes | XX | XX | C | B | B | B | C | A | A | A | C | B | B | B | C | A | A | A | Not Applicable | 1CDF34BF-2CCF-4B9C-B201-ECCEB5EC8763 |
| 400098260 | XX | Yes | XX | XX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No | 3D2EB779-E7D3-4DF6-80DE-2AEF7C4FFC42 |
| 400098242 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | 294BA0C8-D026-4DB1-B2F7-C87504F8D398 |
| 400098148 | XX | Yes | XX | XX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | B7A9D9B1-5C1D-4D3F-8BDE-073D1549094B |
| 2000049381 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | 03E72500-EC0A-4DB3-8083-4FCF8EBEDA41 |
| 2000049388 | XX | Yes | XX | XX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No | 049FC095-EE03-4644-B7D3-A54E5FF0B765 |
| 2000049508 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | 688A7D63-DB9D-4111-A397-82E5C3E25948 |
| 2000049790 | XX | Yes | XX | XX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable | ADAF949A-DC4B-46E8-BBDF-44B6171EA090 |
| 2000049854 | XX | Yes | XX | XX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | No | 1794F1C0-F89E-4B6A-90A0-C4CA3EAAB819 |
| 2000050073 | XX | Yes | XX | XX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | 6D862482-E87A-418F-99F8-595708B8E36F |
| 2000050191 | XX | Yes | XX | XX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable | 30078EED-D64C-475D-9FBE-6856915AAB6A |
| 2000050197 | XX | Yes | XX | XX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable | 6518AACB-9013-43B8-AA0E-38D155BB7B17 |
| 2000050306 | XX | Yes | XX | XX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Not Applicable | E4C5B3F0-3C34-4DD8-85AF-C35D092F4B1D |
| 2000050339 | XX | Yes | XX | XX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No | 0E97A3C3-ED0A-4A92-A311-FF280452F04F |
| 2000050709 | XX | Yes | XX | XX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | B6E78ADB-B887-4BF3-9971-87E4371D4A3F |
| 2000050983 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | EC96CB58-49C3-4DDA-B0EA-10463125DC2E |
| 2000051247 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | E942575C-15C5-4E35-8ADE-08F2453A5157 |
| 2000051265 | XX | Yes | XX | XX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable | 92A2A193-F51F-4F6B-B49F-2AE48FF20B36 |
| 2000051269 | XX | Yes | XX | XX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | No | D88140A8-30BE-4857-B932-209C75BF038A |
| 2000051330 | XX | Yes | XX | XX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Yes | 029D61C9-7A55-4044-B5F0-AEBFC3F87429 |
| 2000051493 | XX | Yes | XX | XX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Yes | B9EF7281-FEF1-4CD5-8E80-FF9B3BFADAB6 |
| 2000051566 | XX | Yes | XX | XX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | F2C1D1FB-0349-461C-B666-66D3B2B2689D |
| 2000051582 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | 87A8B878-0B80-41D6-AFAA-F3EAB02CFEC4 |
| 2000051643 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | A64CD3E3-66B8-457C-86E6-D1227EDFFEE9 |
| 2000051651 | XX | Yes | XX | XX | D | B | B | B | D | A | C | A | D | B | B | B | D | A | C | A | Not Applicable | 7DE88407-8B0B-4A38-84B8-78AD66483095 |
| 2000051891 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | F9512DA2-3ADF-410C-9788-C0260EA515EA |
| 2000051977 | XX | Yes | XX | XX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable | BCBB4A2B-3DD5-48F8-B7D1-0EB871F6C534 |
| 2000051995 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | 16625082-32B4-49D0-97B5-8395F4A17AAD |
| 2000052001 | XX | Yes | XX | XX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | A628E67C-215A-42EC-8578-2DC6F52DBFD0 |
| 2000052033 | XX | Yes | XX | XX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Not Applicable | 2E797FB5-6EDC-4139-B74C-77E706EB24FE |
| 2000052086 | XX | Yes | XX | XX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable | 4B30CA63-0C29-4351-AC49-0EB77ABD2A91 |
| 2000052130 | XX | Yes | XX | XX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | DE40315A-D238-4881-9067-36B93850B5F6 |
| 2000052167 | XX | Yes | XX | XX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | D3F73767-F816-45D1-A2C8-5D1E8CAEEC34 |
| 2000052201 | XX | Yes | XX | XX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No | D799EED5-CE11-485F-91A5-CF87B2CCEBF0 |
| 2000052239 | XX | Yes | XX | XX | D | A | C | A | D | A | N/A | N/A | D | A | C | A | D | A | N/A | N/A | Not Applicable | E94184FD-D4A2-455E-80B3-2013743D773E |
| 2000052274 | XX | Yes | XX | XX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Not Applicable | 54DBA9CA-2409-405F-9D9E-65D5FCB9E36B |
| 2000052282 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | 68EFAB5E-0302-4801-A47E-B45C3796E798 |
| 2000052307 | XX | Yes | XX | XX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable | E5B44F7A-A7E4-492C-87B2-B9BE668D44B9 |
| 2000052349 | XX | Yes | XX | XX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No | DDB53B6F-B66B-4C29-BF44-4F671A32F2DA |
| 2000052397 | XX | Yes | XX | XX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | B471653C-1EED-4504-A749-566D0DF47FF8 |
| 2000052434 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | C5F562B3-7003-4501-AE57-B4686259B2A4 |
| 2000052465 | XX | Yes | XX | XX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | B3A63312-26E1-4E70-9D63-4F7816D8F6FD |
| 2000052492 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | 8294772B-7487-4CAA-BEF9-1B1ED178E008 |
| 2000052494 | XX | Yes | XX | XX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No | 80F750A7-2F78-49E8-8BDF-7AE19B0ED19A |
| 2000052570 | XX | Yes | XX | XX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Not Applicable | E06A9CD2-5D2E-4563-9B24-8321F55F7458 |
| 2000052637 | XX | Yes | XX | XX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Not Applicable | 81DCCF8D-73F9-4238-931A-5CFDF784947D |
| 2000052654 | XX | Yes | XX | XX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable | EA1742D0-16B9-4756-B7FB-62B6829EBD6E |
| 2000052670 | XX | Yes | XX | XX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No | BD20BCBC-1C40-4C0E-A8D0-DF847AE5E8E7 |
| 2000052673 | XX | Yes | XX | XX | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | No | 825BAFD7-AA0F-4577-9F06-C5071CE00261 |
| 2000052677 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | 00DBDC1E-0B8A-4619-8C1D-D60E6F5279F9 |
| 2000052685 | XX | Yes | XX | XX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Yes | 7C20AA61-C5A8-48E1-BA7F-08F70DF2BBE4 |
| 2000052697 | XX | Yes | XX | XX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | EF172BC0-1DE9-44BF-ACFF-87DC9CA44231 |
| 2000052771 | XX | Yes | XX | XX | D | B | B | B | D | A | N/A | N/A | D | B | B | B | D | A | N/A | N/A | No | BA41CDCF-786E-402C-AD85-DE505A3F5F19 |
| 2000052787 | XX | Yes | XX | XX | D | B | A | A | D | B | N/A | N/A | D | B | A | A | D | B | N/A | N/A | Not Applicable | 0770F020-E3B6-422D-84B1-0DB824C5F3E5 |
| 2000052829 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | 5C8A5C90-46CD-4001-9A5B-1FC3AEDB701F |
| 2000052886 | XX | Yes | XX | XX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Not Applicable | E543E6B1-FB61-40F8-B280-E0EBFE00FBA8 |
| 2000053021 | XX | Yes | XX | XX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No | D8F43F1A-22EE-4EBD-AFDD-AFB542019EFE |
| 2000053083 | XX | Yes | XX | XX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Not Applicable | 287A96C9-280A-4C6C-8AF7-FDB06BF15D82 |
| 2000053133 | XX | Yes | XX | XX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Yes | 4C44F06B-A4D8-4102-94D9-A49DE29CEAB3 |
| 2000053134 | XX | Yes | XX | XX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes | DC542995-0B8C-4B20-9240-0079E75C10FD |
| 2000053198 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | 88D2A7AA-8B07-482B-8ED1-EE109C41376E |
| 2000053200 | XX | Yes | XX | XX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Not Applicable | E8D6E9C7-F8B7-4A79-B2F9-4D042468E55E |
| 2000053208 | XX | Yes | XX | XX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | 06DA7BD0-D9B6-4120-8364-FD29F0D99513 |
| 2000053255 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | 8593F382-7F1B-4079-BAFF-59B4BBF0A75E |
| 2000053333 | XX | Yes | XX | XX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable | 10A89576-3663-47BE-A65E-2748E4B55D5F |
| 2000053378 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | 47EAD978-A586-4C41-8DB5-B46A1FC8A8AB |
| 2000053397 | XX | Yes | XX | XX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | 55463BDE-AF08-4112-B1C3-FDF503E8EEB7 |
| 2000053442 | XX | Yes | XX | XX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable | 148A5A0E-B0C2-4BB8-BEA1-40B20E9BA484 |
| 2000053448 | XX | Yes | XX | XX | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Not Applicable | F6CB9A53-B346-443A-9959-0763CB67ED76 |
| 2000053545 | XX | Yes | XX | XX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable | AA3E3368-F356-4923-A66E-CD251F746186 |
| 2000053591 | XX | Yes | XX | XX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable | 15A0AE0D-3035-4DC7-81A4-899F82CC007D |
| 2000053648 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | 40B37026-F006-46BD-AB5E-B63A3C55CB1C |
| 2000053655 | XX | Yes | XX | XX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | EA020963-CDF0-4800-A038-E69BC0006169 |
| 2000053681 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | 16108112-D557-494F-8A16-EB6C0C14D771 |
| 2000053719 | XX | Yes | XX | XX | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Not Applicable | 86C36AF3-A9C1-43E5-B99A-9438C85E9F9E |
| 2000053731 | XX | Yes | XX | XX | D | A | C | A | D | A | N/A | N/A | D | A | C | A | D | A | N/A | N/A | Yes | 238FF3FF-8981-436A-B130-F9AB0BD2710F |
| 2000053853 | XX | Yes | XX | XX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Not Applicable | DD73C63C-5B58-4F2C-96B3-2625B4022C99 |
| 2000053999 | XX | Yes | XX | XX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Not Applicable | C4D35D5F-D684-4A59-9861-8706FA12F952 |
| 2000054015 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | CCF34269-4ED1-45AF-802B-2661CB7CEAE0 |
| 2000054087 | XX | Yes | XX | XX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | 35732081-CAA4-41B9-A6DE-ED13DEF06EAD |
| 2000054156 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | 213B1431-F890-4F9E-9D4D-DF84466754E0 |
| 2000054184 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | 428A80A0-CE5C-4B52-8320-E0079112B5D8 |
| 2000054189 | XX | Yes | XX | XX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | 8A32EDFB-A802-4123-A33B-5AAD30C2514E |
| 2000054195 | XX | Yes | XX | XX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | AC6AA178-77AA-45A9-B60A-C71AF5A77FD8 |
| 2000054217 | XX | Yes | XX | XX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | 66C34856-3892-45DE-A8CD-8B240171DE83 |
| 2000054248 | XX | Yes | XX | XX | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Not Applicable | 8F082AC2-AF41-48F6-828D-DB6715F54E85 |
| 2000054277 | XX | Yes | XX | XX | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Not Applicable | D070F80E-F9F6-43B8-8864-995083678CF8 |
| 2000054322 | XX | Yes | XX | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes | D1077D7A-8A75-40DB-8544-F70735B49582 |
| 2000054386 | XX | Yes | XX | XX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable | 623987D1-9F30-4CB5-AF79-96EC4528777F |
| 2000054504 | XX | Yes | XX | XX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No | A3F9AC43-2F63-4722-BD51-7C82F5983CCC |
| 2000054979 | XX | Yes | XX | XX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | 3CC82ED7-8C0E-42B7-9EBD-B902729BB334 |
| 2000055080 | XX | Yes | XX | XX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | No | 3EFAF320-8B87-419C-A36F-00342B74937B |
| 92300186039 | XX | Yes | XX | XX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | DD43094F-2F47-4778-B76A-D5EF577286CF |

---