# EDGAR Filing Document

**Accession Number:** 0002125901
**File Stem:** 0001539497-26-001775
**Filing Date:** 2026-6
**Character Count:** 3415392
**Document Hash:** e1ee3a987828103aaed13ea45d45b036
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001539497-26-001775.hdr.sgml**: 20260617

**ACCESSION NUMBER**: 0001539497-26-001775

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

**PUBLIC DOCUMENT COUNT**: 89

**CONFORMED PERIOD OF REPORT**: 20260617

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

**FILED AS OF DATE**: 20260617

**DATE AS OF CHANGE**: 20260617

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Loan Funding Structure V LLC
- **CENTRAL INDEX KEY:** 0002125901

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-08551
- **FILM NUMBER:** 261097425

**BUSINESS ADDRESS:**
- **STREET 1:** 251 LITTLE FALLS DRIVE
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
- **BUSINESS PHONE:** 9497206000

**MAIL ADDRESS:**
- **STREET 1:** 650 NEWPORT CENTER DRIVE
- **CITY:** NEWPORT BEACH
- **STATE:** CA
- **ZIP:** 92660
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Loan Funding Structure V LLC
- **CENTRAL INDEX KEY:** 0002125901

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 251 LITTLE FALLS DRIVE
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
- **BUSINESS PHONE:** 9497206000

**MAIL ADDRESS:**
- **STREET 1:** 650 NEWPORT CENTER DRIVE
- **CITY:** NEWPORT BEACH
- **STATE:** CA
- **ZIP:** 92660
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Loan Funding Structure V LLC
- **CENTRAL INDEX KEY:** 0002125901

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 251 LITTLE FALLS DRIVE
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
- **BUSINESS PHONE:** 9497206000

**MAIL ADDRESS:**
- **STREET 1:** 650 NEWPORT CENTER DRIVE
- **CITY:** NEWPORT BEACH
- **STATE:** CA
- **ZIP:** 92660

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER REPORT**

**PURSUANT TO SECTION 15G OF THE**

**SECURITIES EXCHANGE ACT OF 1934**

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

---

| | |
|:---|:---|
| ___ | Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period |
|  | _______ to ________ |
|  | Date of Report (Date of earliest event reported) |
|  | Commission File Number of securitizer:<u> </u> |
|  | Central Index Key Number of securitizer:<u> </u> |
|  | &nbsp;&nbsp;Name and telephone number, including area code, of the person to contact in |
|  | &nbsp;&nbsp;connection with this filing. |
|  | &nbsp;&nbsp;Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(1) [ ] |
|  | &nbsp;&nbsp;Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) [ ] |
|  | &nbsp;&nbsp;Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) [ ] |
| &nbsp;&nbsp;<u>X</u> | &nbsp;&nbsp;Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2) |
|  | &nbsp;&nbsp;Central Index Key Number of sponsor: 0002125901 (Loan Funding Structure V LLC) |
|  | &nbsp;&nbsp;BRAVO Residential Funding Trust 2026-NQM6 |
|  | &nbsp;&nbsp;(Exact name of issuing entity as specified in its charter) |
|  | &nbsp;&nbsp;Central Index Key Number of issuing entity (if applicable): ________ |
|  | &nbsp;&nbsp;Central Index Key Number of underwriter (if applicable): ________ |
|  | &nbsp;&nbsp;Michael Chiao, Authorized Person, 949-720-6974 |
|  | &nbsp;&nbsp;Name and telephone number, including area code, of the person to contact in |
|  | &nbsp;&nbsp;connection with this filing |

---

**INFORMATION TO BE INCLUDED IN THE REPORT:**

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

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as an Exhibit to this Form ABS-15G. Please see Item 3, Exhibits 99.1, 99.2, 99.3, 99.4, 99.5, 99.6, 99.7 and 99.8 for the related information.

**Item 3. Exhibits**

99.1 Disclosures required by Rule 15Ga-2 for Clarifii LLC

Schedule 1— Narrative

Schedule 2— Supplemental Data Extract Report

Schedule 3— Business Purpose Supplement Report

Schedule 4— Rating Agency Grades Detail Report

Schedule 5— Rating Agency Grades Summary Report

Schedule 6— Valuation Report

Schedule 7— ATR or QM Report

Schedule 8— Data Compare Report

99.2 Disclosures required by Rule 15Ga-2 for Clayton Services LLC

Schedule 1— Narrative

Schedule 2— Conditions Report — Conditions Summary

Schedule 3— Conditions Report — Conditions Detail

Schedule 4— Conditions Report — Loan Grades

Schedule 5— ATR QM

Schedule 6— Rating Agency ATR QM

Schedule 7— Valuations Summary

Schedule 8— Waived Conditions Summary Report

Schedule 9— Loan Level Tape Compare

Schedule 10— Standard Upload

99.3 Disclosures required by Rule 15Ga-2 for Consolidated Analytics, Inc.

Schedule 1— Narrative

Schedule 2— Due Diligence Standard Report

Schedule 3— Supplemental Report

Schedule 4— Rating Agency Grades Report

Schedule 5— Valuations Report

Schedule 6— Data Compare Report

99.4 Disclosures required by Rule 15Ga-2 for Evolve Mortgage Services

Schedule 1— Narrative

Schedule 2— Rating Agency Grades

Schedule 3— Exception Detail

Schedule 4— Valuation Report

Schedule 5— Data Compare

Schedule 6— QM ATR Data

Schedule 7— Business Purpose Data

99.5 Disclosures required by Rule 15Ga-2 for Canopy Financial Technology Partners, LLC

Schedule 1— Narrative

Schedule 2— Supplemental Data Extract

Schedule 3— Business Purpose Supplement

Schedule 4**—** Rating Agency Grades Detail

Schedule 5— Rating Agency Grades Summary

Schedule 6— Valuation Report

Schedule 7— ATR or QM Report

Schedule 8— Data Compare Report

99.6 Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC

Schedule 1— Narrative

Schedule 2— Lease Securitization Report – Final Grades

Schedule 3— Lease Securitization Report – Exception Grades

Schedule 4— Lease Securitization Report – Valuation Report

Schedule 5— Lease Securitization Report – Data Compare

Schedule 6— Credit Comp Securitization Report – Final Grades

Schedule 7— Credit Comp Securitization Report – Exception Grades

Schedule 8— Credit Comp Securitization Report – Valuation Report

Schedule 9— Credit Comp Securitization Report – Data Compare

99.7 Disclosures required by Rule 15Ga-2 for Covius Real Estate Services, LLC

Schedule 1— Narrative

Schedule 2— Loan Level Exception Report

Schedule 3— Exception Report

Schedule 4— ATR QM Report

Schedule 5— Business Purpose Supplement

Schedule 6— Grades Report

Schedule 7— Tape Compare Report

Schedule 8— Valuation Report

99.8 Disclosures required by Rule 15Ga-2 for Selene Diligence LLC

Schedule 1— Narrative

Schedule 2— Rating Agency Grades Summary

Schedule 3— Standard Findings Report

Schedule 4— Valuation Report

Schedule 5— Rating Agency Multi-Property Valuation Report

Schedule 6— Mortgage Loans Report

Schedule 7— Supplemental Data Extract

Schedule 8— Multi-Property Data Extract

Schedule 9— Business Purpose Supplement

Schedule 10— Data Compare Report

**SIGNATURES**

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

Dated: June 17, 2026

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan Funding Structure V LLC** | &nbsp;&nbsp;**Loan Funding Structure V LLC** | &nbsp;&nbsp;**Loan Funding Structure V LLC** |
| &nbsp;&nbsp; (Securitizer) | &nbsp;&nbsp; (Securitizer) | &nbsp;&nbsp; (Securitizer) |
| &nbsp;&nbsp;By: | &nbsp;&nbsp;/s/ Michael Chiao | &nbsp;&nbsp;/s/ Michael Chiao |
|  | &nbsp;&nbsp;Name: | &nbsp;&nbsp;Michael Chiao |
|  | &nbsp;&nbsp;Title: | &nbsp;&nbsp;Treasurer |

---

**EXHIBIT INDEX**

**Exhibit Number**

99.1 Disclosures required by Rule 15Ga-2 for Clarifii LLC

Schedule 1— Narrative

Schedule 2— Supplemental Data Extract Report

Schedule 3— Business Purpose Supplement Report

Schedule 4— Rating Agency Grades Detail Report

Schedule 5— Rating Agency Grades Summary Report

Schedule 6— Valuation Report

Schedule 7— ATR or QM Report

Schedule 8— Data Compare Report

99.2 Disclosures required by Rule 15Ga-2 for Clayton Services LLC

Schedule 1— Narrative

Schedule 2— Conditions Report — Conditions Summary

Schedule 3— Conditions Report — Conditions Detail

Schedule 4— Conditions Report — Loan Grades

Schedule 5— ATR QM

Schedule 6— Rating Agency ATR QM

Schedule 7— Valuations Summary

Schedule 8— Waived Conditions Summary Report

Schedule 9— Loan Level Tape Compare

Schedule 10— Standard Upload

99.3 Disclosures required by Rule 15Ga-2 for Consolidated Analytics, Inc.

Schedule 1— Narrative

Schedule 2— Due Diligence Standard Report

Schedule 3— Supplemental Report

Schedule 4— Rating Agency Grades Report

Schedule 5— Valuations Report

Schedule 6— Data Compare Report

99.4 Disclosures required by Rule 15Ga-2 for Evolve Mortgage Services

Schedule 1— Narrative

Schedule 2— Rating Agency Grades

Schedule 3— Exception Detail

Schedule 4— Valuation Report

Schedule 5— Data Compare

Schedule 6— QM ATR Data

Schedule 7— Business Purpose Data

99.5 Disclosures required by Rule 15Ga-2 for Canopy Financial Technology Partners, LLC

Schedule 1— Narrative

Schedule 2— Supplemental Data Extract

Schedule 3— Business Purpose Supplement

Schedule 4**—** Rating Agency Grades Detail

Schedule 5— Rating Agency Grades Summary

Schedule 6— Valuation Report

Schedule 7— ATR or QM Report

Schedule 8— Data Compare Report

99.6 Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC

Schedule 1— Narrative

Schedule 2— Lease Securitization Report – Final Grades

Schedule 3— Lease Securitization Report – Exception Grades

Schedule 4— Lease Securitization Report – Valuation Report

Schedule 5— Lease Securitization Report – Data Compare

Schedule 6— Credit Comp Securitization Report – Final Grades

Schedule 7— Credit Comp Securitization Report – Exception Grades

Schedule 8— Credit Comp Securitization Report – Valuation Report

Schedule 9— Credit Comp Securitization Report – Data Compare

99.7 Disclosures required by Rule 15Ga-2 for Covius Real Estate Services, LLC

Schedule 1— Narrative

Schedule 2— Loan Level Exception Report

Schedule 3— Exception Report

Schedule 4— ATR QM Report

Schedule 5— Business Purpose Supplement

Schedule 6— Grades Report

Schedule 7— Tape Compare Report

Schedule 8— Valuation Report

99.8 Disclosures required by Rule 15Ga-2 for Selene Diligence LLC

Schedule 1— Narrative

Schedule 2— Rating Agency Grades Summary

Schedule 3— Standard Findings Report

Schedule 4— Valuation Report

Schedule 5— Rating Agency Multi-Property Valuation Report

Schedule 6— Mortgage Loans Report

Schedule 7— Supplemental Data Extract

Schedule 8— Multi-Property Data Extract

Schedule 9— Business Purpose Supplement

Schedule 10— Data Compare Report

## Exhibit 99.1

**Exhibit 99.1**

![](clarifii_logo.jpg)

**EXECUTIVE SUMMARY**

**BRAVO 2026-NQM6**

**By Clarifii LLC on June 12, 2026**

BRAVO 2026-NQM6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 1

![](clarifii_logo.jpg)

 **CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 4 loans (the "Loans") and these loans were subsequently acquired by Loan Funding Structure V LLC (the "Client") for the BRAVO 2026-NQM6 transaction. The loans referenced in this Narrative report were reviewed 02/2026 through 03/2026 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;1 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;$543750.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;1 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;$441000.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$868000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1852750.00** |

---

The Review consisted of a population of 4 loans, with an aggregate principal balance of $1,852,750.00.

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

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

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

**LOAN SAMPLING**

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

BRAVO 2026-NQM6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 2

![](clarifii_logo.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing<br> Pools Of Residential Loans, January 25, 2019; <br> Global Methodology And Assumptions: Assessing<br> Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025  |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due-Diligence and Representations & Warranties Criteria for U.S. RMBS Transactions, April 30, 2026 |

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Other Income |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |

---

BRAVO 2026-NQM6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 3

![](clarifii_logo.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;Initial Originator Signature Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lender Name |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Sales Price |

---

BRAVO 2026-NQM6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 4

![](clarifii_logo.jpg)

Seller Loan ID <br> <u>Term</u> <br> <u>ULI</u>

**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

BRAVO 2026-NQM6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 5

![](clarifii_logo.jpg)

– 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

● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in loan file

● **Fraud Review** 

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

– Borrower identity

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

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

– Occupancy

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

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

– Employment

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

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

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

OFAC

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

BRAVO 2026-NQM6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 6

![](clarifii_logo.jpg)

– 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

● **Property Insurance and Taxes** 

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

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

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

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

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

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

BRAVO 2026-NQM6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 7

![](clarifii_logo.jpg)

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

● **Anti-Predatory Lending (Assignee Liability)** 

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

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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&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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

– 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

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– 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.

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

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

**VALUATION REVIEW**

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

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

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

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**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk 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 or LCA Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &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, client, and rating agency requirements.

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

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**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

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**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &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;**4** | &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;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &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;**4** | &nbsp;&nbsp;**100.00%** |

---

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**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &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;**4** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &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;**4** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1852750.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1852750.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;3 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;$1584750.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;1 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;$268000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1852750.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$868000.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$984750.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1852750.00** |

---

BRAVO 2026-NQM6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 17

![](clarifii_logo.jpg)

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1852750.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1852750.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1852750.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1852750.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| **Data Comparison Fields** | **Loans With Discrepancy** | **Total Times Compared** | **Accuracy %** |
| Amortization Term | 0 | 1 | 100.00% |
| Amount of Other Lien | 0 | 1 | 100.00% |
| Application Date | 0 | 1 | 100.00% |
| Balloon Flag | 0 | 1 | 100.00% |
| Borrower 1 Any Outstanding Judgments? | 0 | 1 | 100.00% |
| Borrower 1 Any part of down payment borrowed? | 0 | 1 | 100.00% |
| Borrower 1 Bankruptcy in past 7 years? | 0 | 1 | 100.00% |
| Borrower 1 Birthdate | 0 | 1 | 100.00% |
| Borrower 1 Citizen | 0 | 2 | 100.00% |
| Borrower 1 Country Name | 1 | 1 | 0.00% |
| Borrower 1 Do you intend to occupy property as primary residence? | 0 | 1 | 100.00% |
| Borrower 1 Email or Internet | 0 | 1 | 100.00% |
| Borrower 1 Employer 1 Position | 0 | 1 | 100.00% |
| Borrower 1 Employer 1 Years in Line of Work | 1 | 1 | 0.00% |
| Borrower 1 Ethnicity - Hispanic or Latino | 0 | 1 | 100.00% |
| Borrower 1 Ethnicity - I do not wish to provide this information | 0 | 1 | 100.00% |
| Borrower 1 First Name | 0 | 1 | 100.00% |
| Borrower 1 Foreclosure in past 7 years? | 0 | 1 | 100.00% |
| Borrower 1 Has there been ownership in a property in last 3 yrs | 0 | 1 | 100.00% |

---

BRAVO 2026-NQM6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 18

![](clarifii_logo.jpg)

---

| | | | |
|:---|:---|:---|:---|
| Borrower 1 Last Name | 0 | 2 | 100.00% |
| Borrower 1 Marital Status | 0 | 1 | 100.00% |
| Borrower 1 Name of Employer1 | 0 | 1 | 100.00% |
| Borrower 1 Other Income | 0 | 1 | 100.00% |
| Borrower 1 Race - I do not wish to provide this information | 0 | 1 | 100.00% |
| Borrower 1 Race - White | 0 | 1 | 100.00% |
| Borrower 1 Rent or Own | 0 | 1 | 100.00% |
| Borrower 1 Self-Employment Flag | 0 | 1 | 100.00% |
| Borrower 1 Sex - I do not wish to provide this information | 0 | 1 | 100.00% |
| Borrower 1 Sex - Male | 0 | 1 | 100.00% |
| Borrower 1 SSN | 0 | 1 | 100.00% |
| Borrower 1 Telephone Interview | 0 | 1 | 100.00% |
| Borrower 1 Years in Current Home | 1 | 1 | 0.00% |
| Calculated DSCR | 0 | 1 | 100.00% |
| FHA Streamline/VA IRRL Indicator | 0 | 1 | 100.00% |
| Initial Originator Signature Date | 0 | 1 | 100.00% |
| Interest Only Flag | 0 | 2 | 100.00% |
| Interest Rate | 0 | 3 | 100.00% |
| Investor Loan ID | 0 | 0 | 100.00% |
| Lender Name | 0 | 1 | 100.00% |
| Lien Position | 0 | 1 | 100.00% |
| Loan Amount | 0 | 3 | 100.00% |
| Loan ID | 0 | 4 | 100.00% |
| Loan Origination Company | 0 | 1 | 100.00% |
| Loan Origination Company NMLS | 0 | 1 | 100.00% |
| Loan Program | 0 | 3 | 100.00% |
| Loan Purpose | 0 | 3 | 100.00% |
| Loan Type | 0 | 1 | 100.00% |
| Negative Amortization Flag | 0 | 1 | 100.00% |
| Note Type | 0 | 1 | 100.00% |
| Number of Borrowers | 0 | 1 | 100.00% |
| Number of Mortgaged Properties | 0 | 1 | 100.00% |
| Number of Units | 0 | 2 | 100.00% |
| Occupancy | 0 | 2 | 100.00% |
| Prepayment Penalty Flag | 0 | 1 | 100.00% |
| Prepayment Penalty Total Term | 0 | 1 | 100.00% |
| Primary Appraised Property Value | 0 | 2 | 100.00% |
| Property Address | 0 | 3 | 100.00% |
| Property City | 0 | 3 | 100.00% |
| Property County | 0 | 2 | 100.00% |
| Property Rights | 0 | 1 | 100.00% |
| Property State | 0 | 3 | 100.00% |
| Property Type | 0 | 3 | 100.00% |
| Property Value | 0 | 1 | 100.00% |

---

BRAVO 2026-NQM6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 19

![](clarifii_logo.jpg)

---

| | | | |
|:---|:---|:---|:---|
| Property Zip Code | 0 | 3 | 100.00% |
| Qualifying CLTV | 0 | 2 | 100.00% |
| Qualifying FICO | 0 | 2 | 100.00% |
| Qualifying LTV | 0 | 2 | 100.00% |
| Qualifying Total Debt Income Ratio | 0 | 1 | 100.00% |
| Sales Price | 0 | 1 | 100.00% |
| Seller Loan ID | 0 | 1 | 100.00% |
| Term | 0 | 2 | 100.00% |
| ULI | 0 | 2 | 100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer**

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

 

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

 

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

 

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

 

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

BRAVO 2026-NQM6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 20

## Exhibit 99.1

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** |
| XXXX | XXXX | 25538 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 13595 | 01/19/2026 | 6.060% | Manual Underwriting | Manual Underwriting | No | XXXX% |  | XXXX% | XXXX% | XXXX | No |  | XXXX | XXXX | $3314.04 | $276.17 | $0.00 | $0.00 | $0.00 | $4998.23 | $21554.74 | N/A |  |  | $0.00 |  |  | 0.00% | 26.96% | 26.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 669 |  |  |  |  |
| XXXX | XXXX | 26568 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/06/2026 | 5 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 12007.5 | 02/23/2026 | 5.990% | Manual Underwriting | Manual Underwriting | No | XXXX% |  | XXXX% | XXXX% | XXXX | No |  | XXXX | XXXX | $1522.92 | $126.91 | $0.00 | $0.00 | $0.00 | $3918.32 | $14696.48 | N/A |  |  | $0.00 |  |  | 0.00% | 21.44% | 21.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2026 | Borrower - 2025, 2026 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 722 |  |  |  |  |
| XXXX | XXXX | 42288 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/02/2025 | 2 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 5358.75 | 03/09/2026 | 6.020% | Manual Underwriting | Manual Underwriting | No | XXXX% |  | XXXX% | XXXX% | XXXX | No |  | XXXX | XXXX | $2456.04 | $204.67 | $0.00 | $0.00 | $0.00 | $4179.11 | $8710.89 | N/A |  |  | $0.00 |  |  | 0.00% | 41.08% | 41.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | Yes | 12 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 681 |  |  |  |  |
| XXXX | XXXX | 60581 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/30/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | XXXX% |  | XXXX | No |  | XXXX | XXXX | $849.96 | $70.83 | $0.00 | $0.00 | $0.00 | $1895.84 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.213 | 1.21 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(),<br> null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, <br> null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified,<br> null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter <br> Verified, null Separation Agreement Verified, null Note Receivable Verified, null <br> Personal Bank Statements Verified, null Business Bank Statements Verified, null <br> Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed<br> 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 766 |  |  |  |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX | XXXX | 25538 |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 15.2 | No | 75.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 26568 |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 5.7 | XXXX | 5.7 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 42288 |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 37.2 | XXXX | 37.2 | No | 75.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 60581 |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 136.9 | No | 69.79 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.1

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction 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** |
| XXXX | XXXX | 60581 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2300 | 2350 | Appraisal - 1007 |  | N/A |  |  | 2300 | Actual In Place Rent | No | 82.43 | 1.21 | 1.213 | 1895.84 | 2300 | 05-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2300 |  |  |  |  |  |  |  | No | 1.9 | 1 | 1 | N/A | 136.87 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |

---

## Exhibit 99.1

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | XXXX | 25538 D A C | Closed | finding-3646 | 2026-03-02 07:22 | 2026-03-03 10:07 | Resolved | 1 - Information C A | Compliance | TRID | TRID Post-Consummation Event Validation Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-03/03/2026 <br> Open-\*\*\*\*NEW\*\*\*\*Received XXXX check, and PCCD missing evidence PCCD was supplied <br> after closing. - Due Diligence Vendor-03/02/2026 <br> Open-This loan failed the TRID Post-Consummation Event Validation Test.This loan has a <br> post-consummation event date that occurs on or before the closing date or consummation date<br> of the loan. Please review the loan data to ensure the dates are in the correct fields. - <br> Due Diligence Vendor-03/02/2026 |  | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-03/03/2026<br>| Qualifying DTI below maximum allowed - DTI is 29.96% and max allowed is 55% Required is 55 Borrower has 26.96<br>LTV is less than guideline maximum - LTV is 75% and max allowed is 80% Required is 80 Borrower has 75 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7867203 |
| XXXX | XXXX | 25538 D A C | Closed | finding-4001 | 2026-03-02 07:22 | 2026-03-03 10:07 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-03/03/2026 <br> Open-\*\*\*\*NEW\*\*\*\*Received XXXX check, and PCCD, missing evidence PCCD was supplied after closing. - Due Diligence Vendor-03/02/2026 <br> Open-This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate <br> delivery date is before the initial loan estimate.A revised closing disclosure is before the initial closing disclosure.A closing disclosure delivery date <br> is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery <br> date or loan estimate delivery date. - Due Diligence Vendor-03/02/2026 |  | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-03/03/2026<br>| Qualifying DTI below maximum allowed - DTI is 29.96% and max allowed is 55% Required is 55 Borrower has 26.96<br>LTV is less than guideline maximum - LTV is 75% and max allowed is 80% Required is 80 Borrower has 75 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7867205 |
| XXXX | XXXX | 25538 D A C | Closed | finding-47 | 2026-02-17 11:00 | 2026-03-03 10:06 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-03/03/2026 <br> Ready for Review------Received XXXX check and PCCD missing evidence PCCD was supplied after closing. Finding remains. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. PCCD and XXXX check attached reflecting ROR was successful. please clear condition - Seller-02/26/2026 <br> Counter------Received XXXX RegChek verifying timing of Right of Recission. Per documents in file, Right of Rescission ended midnight of XXXX. Final CD XXXX Disbursement date XXXX<br> is prior to this date. Finding remains. - Due Diligence Vendor-02/26/2026 Ready for Review-Document Uploaded. loan docs were signed on XXXX (Sunday), <br> the loan was treated as if it signed on Monday XXXX since Sunday is not included in TRID timing. the RTC shows the correct RTC date as XXXX. we funded <br> on XXXX. please clear finding as this loan passes ROR requirements. - Seller-02/24/2026 Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) ,<br> transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following <br> consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, <br> delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----<br> The Cancel of Date on the Right to Cancel doc is XXXX and is less than three days from the closing date of XXXX. Three days of Rescission was not provided to borrower. <br> Provide evidence that rescission was re-opened for a full three days. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. PCCD and XXXX check attached reflecting ROR <br> was successful. please clear condition - Seller-02/26/2026 <br>Ready for Review-Document Uploaded. loan docs were signed on XXXX (Sunday), the loan was treated as if it <br> signed on Monday XXXX since Sunday is not included in TRID timing. <br> the RTC shows the correct RTC date as XXXX. we funded on XXXX. please clear finding <br> as this loan passes ROR requirements. - Seller-02/24/2026 | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-03/03/2026<br>| Qualifying DTI below maximum allowed - DTI is 29.96% and max allowed is 55% Required is 55 Borrower has 26.96<br>LTV is less than guideline maximum - LTV is 75% and max allowed is 80% Required is 80 Borrower has 75 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7654836 |
| XXXX | XXXX | 25538 D A C | Closed | FCRE1252 | 2026-02-18 10:13 | 2026-03-02 12:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received documentation to support item was paid at close. - Due Diligence Vendor-03/02/2026 <br>Ready for Review-Document Uploaded. attached is tax payoff as well as the disbursement ledger from the payoff. all match, please clear condition. - Seller-02/27/2026 <br>Counter-Received preliminary title report. Missing confirmation Sched B #9 has been removed. (State Tax lien $3,324.49) - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Document Uploaded. Uploaded complete title report. Please clear finding. Thank you. Best, Douglas Smaldino - Seller-02/23/2026 <br>Open-Title Document is Incomplete. Missing complete Title Commitment . (all pages required). - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. attached is tax payoff as well as the disbursement <br> ledger from the payoff. all match, please clear condition. - Seller-02/27/2026 <br> Ready for Review-Document Uploaded. Uploaded complete title report. Please clear finding. Thank you. Best, XXXX - Seller-02/23/2026 | Resolved-Received documentation to support item was paid at close. - Due Diligence Vendor-03/02/2026<br>| Qualifying DTI below maximum allowed - DTI is 29.96% and max allowed is 55% Required is 55 Borrower has 26.96<br>LTV is less than guideline maximum - LTV is 75% and max allowed is 80% Required is 80 Borrower has 75 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7676998 |
| XXXX | XXXX | 25538 D A C | Closed | FCOM1354 | 2026-02-17 10:37 | 2026-02-26 07:28 | Resolved | 1 - Information C A | Compliance | Disclosure | Right to Cancel Transaction Date is less than 3 business days prior to the Disclosure Cancel Date | Resolved------Received executed RTC with corrected dates. Finding resolved. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. ROR attached. please clear finding. - Seller-02/24/2026 <br> Open-Right to Cancel Transaction Date is 'XXXX' but the Disclosure Cancel Date entered is 'XXXX'. Please verify<br> that the correct dates have been entered (Number of Business Days Difference is '2'). The Cancel of Date on the Right<br> to Cancel doc is XXXX and is less than three days from the closing date of XXXX. Three days of Rescission was not provided to<br> borrower. Provide evidence that rescission was re-opened for a full three days. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. ROR attached. please clear finding. - Seller-02/24/2026<br>| Resolved------Received executed RTC with corrected dates. Finding resolved. - Due Diligence Vendor-02/26/2026<br>| Qualifying DTI below maximum allowed - DTI is 29.96% and max allowed is 55% Required is 55 Borrower has 26.96<br>LTV is less than guideline maximum - LTV is 75% and max allowed is 80% Required is 80 Borrower has 75 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7653733 |
| XXXX | XXXX | 26568 C A | Closed | finding-3352 | 2026-03-17 11:27 | 2026-06-11 14:33 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan meets HPML requirements with full appraisal prior to closing and full escrows, loan is compliant - Due Diligence Vendor-06/11/2026 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR,<br> 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<br> 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 <br> buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-03/17/2026 |  | Resolved-Loan meets HPML requirements with full appraisal prior to closing and full escrows, loan is compliant - Due Diligence Vendor-06/11/2026<br>| Qualifying DTI below maximum allowed - Required is 45 Borrower has 21.44<br>Months Reserves exceed minimum required - 5 months available 3 required |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8154639 |
| XXXX | XXXX | 26568 C A | Closed | finding-3540 | 2026-03-17 12:11 | 2026-03-18 12:46 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence <br> Vendor-03/18/2026 Ready for Review-The Initial Closing Disclosure was e-signed on XXXX with an APR of 9.551%.<br> The Consummation CD was ink-signed on XXXX, with the final loan documents and shows an APR of 9.544%. The<br> loan also passed the TRID/TILA timing on the ComplianceEase report found on pages 583 and 595, of the uploaded<br> post-closing review package. The earliest closing date was XXXX. There are no TRID timing violations for the Closing <br> Disclosures. The e-signed Initial CD is located on pages 341-347, and the signed Consummation CD can be found on <br> pages 420-424, of the uploaded review package. - Seller-03/18/2026 Open-This loan failed the revised closing disclosure <br> delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not <br> require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure <br> method of delivery is marked as either"XXXX" or "Electronic Delivery" or blank, and the revised closing disclosure delivery<br> date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before<br> the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person"<br> and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation <br> date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure <br> receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.<br> Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided <br> under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed<br> terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the <br> requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures <br> provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the <br> business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. <br> -----CD XXXX is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is <br> XXXX - Due Diligence Vendor-03/17/2026 | Ready for Review-The Initial Closing Disclosure was e-signed on XXXX with an APR of 9.551%. The Consummation <br> CD was ink-signed on XXXX, with the final loan documents and shows an APR of 9.544%. The loan also passed the<br> TRID/TILA timing on the ComplianceEase report found on pages 583 and 595, of the uploaded post-closing review <br> package. The earliest closing date was XXXX. There are no TRID timing violations for the Closing Disclosures. The <br> e-signed Initial CD is located on pages 341-347, and the signed Consummation CD can be found on pages 420-424, of <br> the uploaded review package. - Seller-03/18/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/18/2026<br>| Qualifying DTI below maximum allowed - Required is 45 Borrower has 21.44<br>Months Reserves exceed minimum required - 5 months available 3 required |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8156143 |
| XXXX | XXXX | 42288 C A | Closed | finding-3352 | 2026-03-25 09:31 | 2026-06-11 14:32 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan file meets HPML requirements, contains full appraisal prior to closing and escrows, loan is compliant - Due Diligence Vendor-06/11/2026 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR,<br> 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<br> 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 <br> buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-03/25/2026 |  | Resolved-Loan file meets HPML requirements, contains full appraisal prior to closing and escrows, loan is compliant - Due Diligence Vendor-06/11/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.08 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8310179 |
| XXXX | XXXX | 60581 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |

---

## Exhibit 99.1

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Original Loan Amount** |
| XXXX | XXXX | 25538 | XXXX D C A |
| XXXX | XXXX | 26568 | XXXX A C |
| XXXX | XXXX | 42288 | XXXX A C |
| XXXX | XXXX | 60581 | XXXX A |

---

## Exhibit 99.1

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | 25538 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | XXXX | 26568 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible | 1.5 | XXXX |
| XXXX | XXXX | 42288 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| XXXX | XXXX | 60581 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.79 | 69.79 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXXX |

---

## Exhibit 99.1

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | XXXX | 25538 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13595 | 7.533 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21554.74 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 26568 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 12007.5 | 9.48 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14696.48 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 42288 | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 5358.75 | 7.591 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8710.89 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 60581 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.1

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 26568 | XXXX | Borrower 1 Employer 1 Years in Line of Work | the1003Page | 13.75 | 10 | per 1003 |
| XXXX | XXXX | 26568 | XXXX | Borrower 1 Years in Current Home | the1003Page | 3.92 | 11 | per 1003 |
| XXXX | XXXX | 26568 | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | per 1003/ ID |

---

## Exhibit 99.2

**Exhibit 99.2**

![](n5966clayton_img001.jpg)

---

| |
|:---|
| **6/12/2026** |
| **Due Diligence Narrative Report** |

---

![](n5966clayton_img002.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2** |
| &nbsp;&nbsp;&nbsp;Sampling | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 4 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 6 |
| &nbsp;&nbsp;&nbsp;Data Capture | 6 |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **7** |
| **Clayton Third Party Reports Delivered** | **9** |
| **Appendix A: Credit Review Scope** | **9** |
| **Appendix B: Origination Appraisal Assessment** | **12** |
| **Appendix C: Regulatory Compliance Review Scope** | **14** |

---

 ****

BRAVO 2026-NQM6 Due Diligence Narrative Report Page \| 1 June 12, 2026

![](n5966clayton_img002.jpg)

**CLAYTON CONTACT INFORMATION**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](n5966clayton_img003.jpg) | **Ralph Fox** | Client Services Senior Director |
|  |  | Phone: (813) 371-0281/E-mail: <u>rfox@clayton.com</u> |
| ![](n5966clayton_img003.jpg) | **Joe Ozment** | Vice President of Client Services and Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**OVERVIEW**

On behalf of Citadel, Clayton conducted an independent third-party pre-securitization due diligence review of 111 residential loans.

On behalf of Capital Alliance, Clayton conducted an independent third-party pre-securitization due diligence review of 2 residential loans.

On behalf of SG Capital, Clayton conducted an independent third-party pre-securitization due diligence review of 12 residential loans.

Loan Funding Structure V LLC subsequently purchased these loans via Reliance Letter and selected them for the BRAVO 2026-NQM6 transaction.

The loans referenced in this narrative report were reviewed on a flow basis from April 2025 to March 2026 at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;114 | &nbsp;&nbsp;91.20% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;11 | &nbsp;&nbsp;8.80% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**125** | &nbsp;&nbsp;**100.00%** |

---

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

The scope of work for 125 loans in this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and was performed in accordance with rating agency<sup>1</sup> loan level review standards in place as of the date of the review. This is referred to as a "Full Review."

BRAVO 2026-NQM6 Due Diligence Narrative Report Page \| 2 June 12, 2026

![](n5966clayton_img002.jpg)

SAMPLING

For all originators in this transaction, 73.60% of the loans received a Full Review as described below.

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp; ***Loan Count***<br> ***Reviewed by Clayton***  | &nbsp;&nbsp;***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | &nbsp;&nbsp;92\* | &nbsp;&nbsp;Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;125 |  |

---

\*33 loans were not reviewed for regulatory compliance in accordance with paragraph 2 of the "Compliance Review (Business Purpose, Non-Owner Occupied)".

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, Kroll, DBRS and Morningstar.

TPR COMPONENT REVIEW SCOPE

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

&nbsp;&nbsp;**CREDIT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against the Sponsor Acquisition Criteria;

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

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

BRAVO 2026-NQM6 Due Diligence Narrative Report Page \| 3 June 12, 2026

![](n5966clayton_img002.jpg)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Examined Data Verify risk evaluation report, which was located in each loan file, for income, employment,
Nationwide Mortgage Licensing System and Registry ("NMLS") and occupancy status alerts. Clayton researched alert information
against loan documentation and assigned loan conditions accordingly.

&nbsp;&nbsp;**PROPERTY VALUATION REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Original Appraisal Assessment (125 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Value Supported Analysis (65 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;<br>

&nbsp;&nbsp;&nbsp;&nbsp;● AVM

&nbsp;&nbsp;&nbsp;&nbsp;● BPO

&nbsp;&nbsp;&nbsp;&nbsp;● Desk Review

&nbsp;&nbsp;&nbsp;&nbsp;● Field Review

&nbsp;&nbsp;&nbsp;&nbsp;● Second Full Appraisal

65 loans had CU scores of 2.5 or less and and did not require a third party valuation. For further detail please refer to the BRAVO 2026-NQM6 Valuations Summary Report

&nbsp;&nbsp;**REGULATORY COMPLIANCE REVIEW**

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

BRAVO 2026-NQM6 Due Diligence Narrative Report Page \| 4 June 12, 2026

![](n5966clayton_img002.jpg)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation depending on the loan's undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required rate reduction per discount point. Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a [0.2%] rate reduction threshold per discount point.

– Prepayment Penalty restrictions.

– TRID: on applicable loans, test compliance with the Integrated Mortgage Disclosure rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) defined under the Dodd-

Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau.

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

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

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

– Homeownership Counseling Notice;

– Affiliated Business Disclosure if applicable.

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

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

Following the June 15<sup>th</sup> formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope.

<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).

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

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

State and Federal High Cost and Higher-Priced:

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

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

Anti-predatory lending laws

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

● Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

● Sufficiency of coverage

● Escrow of insurance payments

DATA INTEGRITY

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tape data received from lender/client is stored in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Reviewer collects validated loan data in eCLAS;

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

DATA CAPTURE

Clayton collected data fields required to create American Securitization Forum ("ASF"). 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.

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**DATA COMPARE RESULTS**

Clayton provided Loan Funding Structure V LLC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the sellers versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% Accuracy** |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.20% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;96.80% |
| &nbsp;&nbsp;Combined Loan to Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.20% |
| &nbsp;&nbsp;DTI (Back) | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.40% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.20% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.20% |
| &nbsp;&nbsp;Product Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.20% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;96.80% |
| &nbsp;&nbsp;Qualifying DTI (Back) | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.20% |

---

**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.

**Initial and Final Overall Loan Grade Results\* (SEC)**

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

\*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.

BRAVO 2026-NQM6 Due Diligence Narrative Report Page \| 7 June 12, 2026

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

**Initial and Final Property Valuation Grade Results (SEC)**

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

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

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (33 loans in pool)

BRAVO 2026-NQM6 Due Diligence Narrative Report Page \| 8 June 12, 2026

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**CLAYTON THIRD PARTY REPORTS DELIVERED**

Clayton furnished the following reports on this transaction:

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

2. Conditions Report

3. Conditions Report-Compliance Only

4. Loan Level Tape Compare Upload

5. Waived Conditions Summary Report

6. Valuations Summary Report

7. NON-ATR QM Upload

8. Attestation Forms

9. ASF Upload

10. Rating Agency ATR/QM Data Fields

11. Standard Upload

**APPENDIX A: CREDIT REVIEW SCOPE**

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

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

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

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

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

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

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

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

– Income documentation

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

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

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

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

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– Applicable title endorsements were present

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

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

– Captured monthly tax payments in debt ratio calculation

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

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

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

– Social Security inconsistencies

– Borrower name variations

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

– Borrower address history

– Subject property ownership history

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

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

– Mortgage lender/originator

– Loan officer

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

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**APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT**

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

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

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

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

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

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

– All required attachments including:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Location
 map

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

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

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

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

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

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

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

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

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

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

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

– Property usage was reviewed for zoning compliance

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

– Neighborhood values were reviewed to determine if declining

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ %
 built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Growth
 rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Marketing
 time

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Disclaimer

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Desk
 Review definitions

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

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

**APPENDIX C: REGULATORY COMPLIANCE REVIEW SCOPE**

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA
 Integrated Disclosure Rule: "The Initial TRID Scope" and "RMBS 3.0 TRID
 Compliance Review Scope©"

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

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

&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Timing
 Requirements:

&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;● 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;● 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Fee
 Tolerances:

&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;● 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Payment
 Schedule Accuracy:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;● Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;● Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;● Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;● Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Technical
 Requirements

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

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

&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;● Alphabetization of fees.

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

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

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

&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;● 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;● 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Completion
 of the LE and CD

&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;● 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;● 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Waivers

&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Corrected
 CD requiring a new waiting period

&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;● 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;● Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Post-Close
 CD's

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

&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;● 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Related
 Documentation

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

&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;● Affiliated Business Disclosure (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;&nbsp;&nbsp;&nbsp;&nbsp;■ Outside
 of Clayton's default TRID scope:

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

&nbsp;&nbsp;&nbsp;&nbsp;● Accuracy of the Aggregate Adjustment amount.

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

&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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**C.** **FACTA** - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**D.** **HMDA** – Whether the loans is Rate Spread threshold reportable.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**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:

---

| | | |
|:---|:---|:---|
| **Higher-Priced** | **Higher-Priced** | **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 |  |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**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:

---

| | | |
|:---|:---|:---|
| **State/Local High Cost** | **State/Local High Cost** | **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 |

---

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---

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

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Anti-Predatory** 

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

● West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

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

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**E.** **Consumer Protection** 

Several states have laws that neither create a separate class of high cost or higher-priced mortgagee loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Alabama (the "Mini-code") | &nbsp;&nbsp;Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |

---

BRAVO 2026-NQM6 Due Diligence Narrative Report Page \| 18 June 12, 2026

![](n5966clayton_img002.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Hawaii (Financial Services Loan Company Act) | &nbsp;&nbsp;Nevada (AB 440 |
| &nbsp;&nbsp;Idaho (Residential Mortgage Practices Act) | &nbsp;&nbsp;Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| &nbsp;&nbsp;Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | &nbsp;&nbsp;Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| &nbsp;&nbsp;Iowa (Consumer Credit Code) | &nbsp;&nbsp;Utah (Consumer Credit Code) |
| &nbsp;&nbsp;Kansas (Consumer Credit Code) | &nbsp;&nbsp;Virginia (Mortgage Lender and Broker Act) |
| &nbsp;&nbsp;Kentucky (HB 552) | &nbsp;&nbsp;Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| &nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | &nbsp;&nbsp;West Virginia (Consumer Credit Protection Act) |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

See above for additional details on Consumer Protection Laws and the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**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.© 2026 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC

BRAVO 2026-NQM6 Due Diligence Narrative Report Page \| 19 June 12, 2026

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **BRAVO 2026-NQM6** |
| **Start - End Dates:** | **7/14/2022 - 3/30/2026** |
| **Deal Loan Count:** | **125** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *124* |
| ***Loans with Conditions:*** | *45* |
| **0 - Total Active Conditions** | **0 - Total Active Conditions** |
| **55 - Total Satisfied Conditions** | **55 - Total Satisfied Conditions** |
|  | 26 - Credit Review Scope |
|  | 2 - Category: Application |
|  | 1 - Category: Assets |
|  | 1 - Category: Credit/Mtg History |
|  | 6 - Category: DTI |
|  | 7 - Category: Income/Employment |
|  | 4 - Category: Insurance |
|  | 2 - Category: Legal Documents |
|  | 2 - Category: Terms/Guidelines |
|  | 1 - Category: Title |
|  | 13 - Property Valuations Review Scope |
|  | 12 - Category: Appraisal |
|  | 1 - Category: Property |
|  | 16 - Compliance Review Scope |
|  | 1 - Category: Ability to Repay/Qualified Mortgage |
|  | 2 - Category: Compliance Manual |
|  | 2 - Category: Right of Rescission |
|  | 1 - Category: XXX Equity |
|  | 10 - Category: TILA/RESPA Integrated Disclosure |
| **26 - Total Waived Conditions** | **26 - Total Waived Conditions** |
|  | 22 - Credit Review Scope |
|  | 2 - Category: Assets |
|  | 4 - Category: Credit/Mtg History |
|  | 2 - Category: DTI |
|  | 3 - Category: Income/Employment |
|  | 6 - Category: LTV/CLTV |
|  | 4 - Category: Terms/Guidelines |
|  | 1 - Category: Title |
|  | 1 - Property Valuations Review Scope |
|  | 1 - Category: Property |
|  | 3 - Compliance Review Scope |
|  | 1 - Category: Federal Consumer Protection |
|  | 1 - Category: State Consumer Protection |
|  | 1 - Category: TILA/RESPA Integrated Disclosure |

---

©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **BRAVO 2026-NQM6** |
| **Start - End Dates:** | **7/14/2022 - 3/30/2026** |
| **Deal Loan Count:** | **125** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| *Loans In Report:* | *125* |
| *Loans with Conditions:* | *45* |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 87238 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | The maximum allowed LTV for a rate and term refinance with a DSCR under 1 is 75%. The loan was approved with a 77.57% LTV. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 793 FICO exceeds program min by > 20 points<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has 0% revolving credit utilization<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 14.45 months reserves. |
| 35561 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Missing hazard insurance | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 3.71% DTI is below program max of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 803 FICO exceeds program min by > 20 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 37.61 months reserves.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has 2.36% revolving credit utilization. |
| 35561 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing flood insurance | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 3.71% DTI is below program max of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 803 FICO exceeds program min by > 20 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 37.61 months reserves.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has 2.36% revolving credit utilization. |
| 14933 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER4631 | Loan parameters do not meet guidelines | No | Condo budget does not meet the required reserve requirements. An exception approval is on file | (No Data) | An exception approval is on file | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 787 FICO exceeds program min by > 20 points<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 8.51% DTI is below program max of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 26.50 months reserves.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has 1.17% revolving credit utilization. |
| 45744 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Assets | Waived C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Reserves of 4.08 months PITIA is less than the minimum 6 months reserves required for a DSCR under 1. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO 20+ points<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX years at current residence. |
| 45744 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV of 66.58% is greater than the maximum 65% LTV allowed for DSCR under 1, FICO of 708, and declining market. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO 20+ points<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX years at current residence. |
| 45744 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER113 | Loan amount is below guideline minimum | No | An exception approval is in the file to allow the loan amount of $XXX with DSCR under 1. The HOA increased on 1/1/2026, so using the new HOA amount brings the DSCR ratio to .98. We are working on restructuring the deal to reduce the payment enough, but also asking if you would allow an exception to use the lower DSCR ratio with the loan amount being $XXX. | (No Data) | An exception approval is on file | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO 20+ points<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX years at current residence. |
| 45744 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Title | Waived B | CRDTIL100 | Potential title issue | No | An exception approval is in the file for the Deed Restriction on the Condo. The condo questionnaire has a deed restriction for right of first refusal. XXX scenario desk requested us to ask for a formal exception. | (No Data) | An exception approval is in the file | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO 20+ points<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX years at current residence. |
| 55672 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is 0x30x24+ months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves are $XXX (28 months).<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 748. |
| 14397 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - XXX Comments: Minimal usage of available revolving credit lines @0.73%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 780 FICO |
| 25653 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 71.37 verified cash reserves exceed minimum required<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at current residence for the past XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 709 credit score exceeds minimum required |
| 85455 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The loan closed in the name of a corporation, XXX a copy of the EIN is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - XXX Comments: 0x30x86 - housing history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 108 months of reserves |
| 38670 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX yrs<br>CFCFS1739: Positive mortgage payment history<br> - XXX Comments: 0 x 30 > 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 102.57 months PITIA. |
| 66691 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Borrowers DTI 34.76% is below guideline maximum 45%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 62.50%; guidelines allow 80%.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Minimal usage of available revolving credit lines @ 10.37% |
| 68085 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 52.80 months reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 804 score |
| 74103 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is 0x30x24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 710.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves are $XXX. |
| 94933 | XXXXXX | XXXXXX | ATR Risk: Non-QM - Lender did not document all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2908 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Residual income analysis does not meet client guidelines | No | (No Data) | (No Data) | Data entry error. Exception cleared. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: The LTV is 42.86%. Max is 70% |
| 94933 | XXXXXX | XXXXXX | ATR Risk: Non-QM - Lender did not document all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Disbursement date of XXX on Final CD XXX is on the disclosed "midnight of" date of XXX per the ROR in file. | (No Data) | PCCD provided with updated disbursement date | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: The LTV is 42.86%. Max is 70% |
| 94933 | XXXXXX | XXXXXX | ATR Risk: Non-QM - Lender did not document all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3590 | TRID - At least one LE was delivered on or after the date that a CD was delivered | No | The file contains an LE for the subject property issued on XXX, which is the same date the Initial XXX CD was issued | (No Data) | You can see on the print date of the CD on the bottom it was actually printed on XXX and sent. XXX did not print it until the XXX therefore, it could not have been sent | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: The LTV is 42.86%. Max is 70% |
| 94933 | XXXXXX | XXXXXX | ATR Risk: Non-QM - Lender did not document all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Credit | Income/Employment | Waived D B | CRDINC3204 | Income Documentation Missing | No | CPA letter confirming the review of the business financials to confirm Business expenses as a percentage of the gross annual sales/revenue. Prepared or reviewed by a 3rd party with knowledge of the business (e.g., CPA/accountant, IRS Enrolled Agent, or tax preparer) Signed by the 3rd party preparer/reviewer. A standard 50% expense factor will be applied to the total of eligible deposits. The Underwriter may use a lower expense ratio if the Underwriter can determine and document accordingly. Any expense ratio below 30% will require a 3rd Party Prepared Business Expense Statement Letter. It must meet requirements in the section below. The CPA letter does not confirm the 20% expense factor or the business expense letter. Addtl the CPA license for XXX was not in the loan file. | Received client exception approval | Received client exception approval | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: The LTV is 42.86%. Max is 70% |
| 44390 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) D C | A | A D C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH148 | Credit report stale dated at closing | No | The undisclosed debt report or gap credit report dated within 30 days prior to loan closing was not in the loan file. | (No Data) | Origination credit report within 30 days of closing. No gap or UDM provided. Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrower credit score is 804 and exceeds guide minimum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 157 months reserves after closing. |
| 44390 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) D C | A | A D C | A | A | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | The condo budget with 10% or reserves study and balance sheet dated within 90 days was not in the loan file. | (No Data) | Subject non warrantable condo per client based on NOO properties. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrower credit score is 804 and exceeds guide minimum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 157 months reserves after closing. |
| 89065 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL191 | Missing Mortgage | No | Provide executed/notarized Mortgage to include applicable riders. | 03/23/2026 client provided Closing package including signed Mortgage along with Riders | 03/23/2026 exception salified | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 58.22% LTV is below max guideline requirement of 65%. |
| 18798 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 58.61% is below guideline requirements of 70%. |
| 89069 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: The borrower has lived at the current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying score 703 is above the minimum 660 required for 75% LTV.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage history verified with VOM is positive. |
| 48167 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV 64.55% exceeds the maximum of 60% for manufactured home. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 10.83% is below max 50%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX years at current primary<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 21 years at current job. |
| 48167 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Provide the complete appraisal, file contains pages 1-3 only. | 03/18/2026 client provided Appraisal | 03/18/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 10.83% is below max 50%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX years at current primary<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 21 years at current job. |
| 48167 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR271 | Comp photos are missing | No | Provide the complete appraisal, file contains pages 1-3 only. | 03/18/2026 client provided Appraisal | 03/18/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 10.83% is below max 50%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX years at current primary<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 21 years at current job. |
| 48167 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR281 | Subject Photos are missing | No | Provide the complete appraisal, file contains pages 1-3 only. | 03/18/2026 client provided Appraisal | 03/18/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 10.83% is below max 50%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX years at current primary<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 21 years at current job. |
| 48167 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR284 | Appraiser License Missing | No | Provide the complete appraisal, file contains pages 1-3 only. | 03/18/2026 client provided Appraisal | 03/18/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 10.83% is below max 50%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX years at current primary<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 21 years at current job. |
| 78969 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 797 exceeds min guideline score of 700.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Positive mortgage payment history 0x30x42.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves of $XXX exceed guidelines of $0. |
| 61771 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Postive mortgage payment history 0X30X38. |
| 78570 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - XXX Comments: Borrower has an excellent credit payment history with 82 months reviewed reporting 0 late payments.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Verified 785 FICO score. Minimum required 660. |
| 84514 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage history reviewed for 82 months with 0 x 30. |
| 71756 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: The HCLTV is 58.93% and guidelines allow the HCLTV to be 75%<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX for 14 years 5 months. |
| 10303 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has beenXXX for 14 years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: The HCLTV is 75% and guidelines allow the HCLTV to be 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post-Closing Assets: $XXX/$XXX PITI = XXX-months reserves. |
| 71359 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 48.84% is below max LTV of 65%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 668 qualifying score. Min required per guidelines is 640. |
| 40204 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX with XXX for 9 years.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Rental payment history is for XXX months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 60.88 months PITI, guidelines required 0 months PITI.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 667 qualifying score. Min required per guidelines is 660. |
| 35718 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is X47.35%; max allowed per guidelines is 65%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current residence for XXX years XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 668 qualifying score. Min required per guidelines is 660. |
| 66362 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total assets verified $XXX. CTC $XXX leaves reserves of $XXX or 2.58 months. No reserves required.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage history reporting to credit is positive.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: The borrower has lived at the current residence for XXX years |
| 56636 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 13.72 months PITI, guidelines required 0 months PITI.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 753 qualifying score. Min required per guidelines is 740. |
| 21945 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing documentation to support Mount America CU HELOC is paid and closed to future draws. | 03/19/2026 client response: Final HUD showing XXX HELOC being paid through closing. It does not need to be frozen, because a zero-balance payoff automatically closes out the lien | 03/19/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 72.38% is < the maximum LTV of 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 1st mortgage for the subject property was reviewed for 68 months with 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 740 is > the minimum credit score of 660. |
| 44681 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. A Desk Review is required. | 03/13/2026 client provided Desk Review03/24/2026 client provided Desk review | Document Uploaded. Desk Review uploaded03/13/2026 XXX response: Desk Review provided applied to previous Appraisal dated XXX. Applicable Appraisal used for LTV purposes is dated XXX. Provide Updated Valuation Product for Appraisal dated XXX. Exception remains.03/24/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 671 qualifying score. Min required per guidelines is 660.<br>CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Lowered payment from $2,082.17 to $1,693.74.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 41.20 months PITIA, guidelines required 0 months PITIA. |
| 75719 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at primary residence for XXX years. |
| 82349 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current residence for XXX years XXX months.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Positive mortgage payment history 0X30X27. |
| 22884 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 774 Credit score exceeds minimum guideline score of 660.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Postive mortgage payment history 0X30X51.<br>CFCFS2860: Good credit history<br> - XXX Comments: Good credit history 0X30X196.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, 15 years 2 months. |
| 86167 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Property Valuations | Property | Waived B | PRVAPROP177 | Property Issues Indicated | No | Guidelines state maximum number of units in project to be owned by one owner is 30%. Subject condominium has 12 units and 5 units (42%) are owned by this Borrower. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage history reporting to credit is positive.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX for XXX years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: The borrower has lived at the current residence for XXX years |
| 77664 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Per guidelines, lender can accept short term rentals with 12-month ledgers from condotel management companies, property managers, XXX, XXX , XXX as documentation for actual rents. Credit file is missing 12-month ledger. | 03/20/2026 client provided XXX listing and ledger. | 03/20/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have resided in current owner occupied residence for XXX years.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage payment history is for 46 months when 12 months are required<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 6.33 months PITI, guidelines required 0 months PITI. |
| 77664 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraised value. | 03/25/2026 client provided Desk review | 03/25/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have resided in current owner occupied residence for XXX years.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage payment history is for 46 months when 12 months are required<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 6.33 months PITI, guidelines required 0 months PITI. |
| 77417 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER3256 | Seller contributions exceed guideline requirements | No | Maximum contributions of 80% LTV is 3.0% or $13,500. HUD -1 reflects seller contribution of $19,999.85. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80% is < the maximum LTV of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 733 is > the minimum credit score of 660. |
| 77417 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Terms/Guidelines | Waived C B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing documentation to support the applicant has contributed a minimum of 10% of the purchase price of own funds. Guarantor received $80,000 from NBS. | 03/13/2026 client response: Uploading updated ULAW with comp factors03/13/2026 client acknowledged exception | 03/13/2026 XXX response: Upon further review by XXX Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for LTV and Credit Score.03/13/2026 Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80% is < the maximum LTV of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 733 is > the minimum credit score of 660. |
| 82938 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 65% is below guideline requirements of 75%.<br>CFCFS2860: Good credit history<br> - XXX Comments: Good credit history 0X30X260.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has mortgage payment history 0x30 since 10/2014. |
| 98644 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title reflects the borrower's last name as XXX and the Deed of Trust and Note reflects the last name XXX | 02/17/2026 client provided Grant Deed | 02/17/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 730 is > the minimum credit score of 660.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 21.36% is < the maximum DTI of 50%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned current primary residence for XXXyears. |
| 88960 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 725 is > the minimum credit score of 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history for borrower's primary residence was reviewed for 61 months with 0x30.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower's have owned current primary residence for XXX years and XXX months. |
| 48651 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Positive mortgage payment history 0x30x43.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 698 Credit score exceeds minimum guideline score of 660.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 57.89% LTV is below max guideline of 75% |
| 67121 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 778 mid score > min required of 600.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 75%; guidelines allow 85%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has 60 months mortgage payment history 0x30. |
| 67050 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, XXX years. |
| 18562 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 74.98%; max allowed per guidelines is 85%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Guarantor1 has resided in current residence for XXX years XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 720 qualifying score. Min required per guidelines is 640. |
| 55056 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: B2 has lived at the current residence for XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total assets verified $XXX. CTC $XXX leaves reserves of $XXX or 20 months. No Reserves required. |
| 36225 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Rental payment history is for 32 months when 12 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 714 qualifying score. Min required per guidelines is 700. |
| 87590 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - XXX Comments: Good credit history 0x30x150.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 755 Credit score exceeds minimum guideline score of 640. |
| 62640 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total assets verified $XXX. CTC $XXX leaves reserves of $XXX or 139.31 mos. Reserves required 0 mos.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 757 is > the minimum credit score of 640.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Guarantor has owned current primary residence for XXX years and XXX months. |
| 60990 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has mortgage payment history 0x30 since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum credit score is 660, borrower's credit score is 749<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has verified assets of $XXX, resulting in 16 months reserves |
| 51336 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 64.29% DTI below minimum guideline requirement of 75%<br>CFCFS2860: Good credit history<br> - XXX Comments: Good credit history 0x30x247.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, 12 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 800 Credit score exceeds minimum guideline score of 660. |
| 32142 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 739 exceeds guidelines 700. |
| 12473 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current residence for XXX years XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: CTC XXX, CASH BACK $XXX reserves, no reserves required. |
| 14375 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Missing Condo Master Policy | 03/20/2026 client provided Master Policy03/20/2026 XXX response: Master Policy provided (291 pages) does not confirm subject property coverage nor dates of coverage. Exception remains.03/20/2026 client provided Master Policy | 03/20/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 55%; guidelines allow 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of $XXX or 9/mo. |
| 53495 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been with the employer for 18 years 2 months. |
| 30880 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX post close assets or 5 months reserves<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Maximum LTV is 70%, subjects LTV 53.49% |
| 28783 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX exceed guidelines $0.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for the past: XXX years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 57.38% is below guideline requirements of 65%. |
| 24329 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Insurance | Satisfied C A | CRDINSR3028 | Flood Certificate has incorrect or incomplete data | No | The Standard Flood Certificate in file does not state the subject Flood Zone. Provide a corrected document. | 03/17/2026 client provided Flood Certificate | 03/17/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post Close Assets are $XXX or 21.84 months of PITIA. Required reserves $0.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Actual LTV 50% / Max LTV 70%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for the past: XXX years. |
| 34822 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | Collections with XXX in the amount of $821 12/2025 and XXX in the amount of $331 9/2025 not paid as required by guidelines of less than 2 years since date of last activity. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Positive mortgage payment history 0X30X82. |
| 58769 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Income/Employment | Waived B | CRDINC150 | Income docs do not meet guidelines | No | DSCR 0.7580% is below the minimum of 0.80%. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX years at current primary. |
| 58769 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Income/Employment | Waived B | CRDINC3204 | Income Documentation Missing | No | Provide verification of subject monthly HOA fee. UW LAW indicated monthly HOA $300. Sales contract lists HOA $300/quarter and XXX indicates HOA $100/month. If HOA verified at $100/month revised DSCR would be 0.8169%. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX years at current primary. |
| 54004 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has stated assets of $XXX and cash proceeds from this loan of $XXX. No reserves required.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage history reporting to credit is positive.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: The borrower has lived at the current residence for XXX years |
| 63428 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No | assets verified after EMD of $XXX= $XXX CTC $XXX SHORT FUNDS TO CLOSE $XXX | 03/11/2026 client response: Document Uploaded. Uploading updated ULAW with comp factors.03/13/2026 client response: Please escalate to a supervisor for clearance. An exception has been made along with 2 comp factors. 03/11/2026 XXX Response: Short funds to close of $XXX is a significant amount at 75% LTV that Comp Factors provided cannot be considered sufficient. Exception remains.03/13/2026 XXX response: As requested, file was escalated to a supervisor. Supervisor agrees the exception is valid and material per their guidelines it needs to be sourced and seasoned. Exception remains.4/6/26- Per supervisor conversation with XXX, XXX can waive but the grade stays the same. Exception remains with no downgrade. 4/23/26- Client uploaded cashiers checks for funds to close and Bank stmts reflecting withdrawal. | Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 75% LTV below guideline max requirement of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 672 Credit score exceeds min guideline score of 660. |
| 86434 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage history for primary residence was reviewed for 33 months with 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 743 is > the minimum credit score of 640.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 69.54% is < the maximum LTV of 75%. |
| 68898 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of HOA dues of $250 for REO on XXX as stated on the final 1003 application. | 03/23/2026 client provided XXX showing HOA dues | 03/23/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 720 Credit score exceeds guidelines of 660.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 31.68%, max per guidelines is 50%.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Positive mortgage payment history 0X30X45. |
| 49048 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX exceed guidelines $0.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 60% is below max of 70%. |
| 88065 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current residence for XXX years XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 803 qualifying score. Min required per guidelines is 600.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total assets verified $XXX. CTC $XXX leaves reserves of $XXX or 130.76 mo. Reserves are not required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 42.53%; max allowed per guidelines is 80%. |
| 98839 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 15.93% is < the maximum DTI of 40%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total assets verified $XXX. CTC $XXX leaves reserves of $XXXor 157.65 mos. Reserves required 6 mos. |
| 34206 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: The borrower has lived at the current residence for XXX years<br>CFCFS2860: Good credit history<br> - XXX Comments: Credit history is positive over the review period.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX exceed guidelines $0. |
| 12378 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total assets verified $XXX. CTC $XXX leaves reserves of $XXXor 16.63 months. No reserves required.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: The borrower has lived at the current residence for XXX years<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage history reporting to credit is positive. |
| 65653 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Guarantor has lived at current primary residence for XXX years and XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 62.47% is < the maximum LTV of 70%. |
| 75350 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Assets | Waived D B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Provide use of business funds from borrower and impact on business. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 5.2 years at current residence.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: No mortgage lates on credit report. |
| 78210 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage payment history is for 59 months when 12 months are required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 50%; max allowed per guidelines is 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 48.42 months PITI, guidelines required 0 months PITI.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 698 qualifying score. Min required per guidelines is 680. |
| 99416 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | Provide explanation for the variance in HOA fee of $1,515 from appraisal and HOA Cert with monthly fee of $4,544.14 with revised DSCR 0.7249%. Additional conditions may apply. | 03/23/2026 client provide email from HOA, the amount on the HOA cert is billed quarterly. | 03/23/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage payment history is for 99 months when 12 months are required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 60%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 779 qualifying score. Min required per guidelines is 640. |
| 39780 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: The borrower has lived at the current residence for XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total assets verified $XXX. CTC $XXX leaves reserves of $XXX or 43 months. No reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 34.53%; max allowed per guidelines is 70%. |
| 80424 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 75% is below max 85%.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: No mortgage lates on credit report. |
| 89993 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years and XXX months in current residence. |
| 21525 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood Certificate | 03/25/2025 client provided Flood Cert | 03/25/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 736 qualifying score. Min required per guidelines is 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 6.58 months PITI, guidelines required 0 months PITI.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage payment history is for 18 months when 12 months are required |
| 56634 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide the most current 12 month pay history for XXX Bank #XXX. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years and XXX months in current residence.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: 26 years and 0 months in current profession. |
| 13269 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Maximum DTI is 40%, borrower's DTI is 16.68%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Maximum LTV is 80%, subject's LTV is 40.12% |
| 52706 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Compliance | State Consumer Protection | Waived B | CMPSTCP1151 | XXX Home Loans - Broker 'Amounts Earned' Disclosure not in file | No | Provide XXX Broker amounts earned disclosure. | 5.9.25-Client requested to waive. | 5.9.25-Final Grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX since 4/1/2011 (14 years).<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 72.10% is below maximum of 85%.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Postive mortgage payment history 0X30X24.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves XXX. Required reserves $XXX. |
| 52706 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Waived C B | 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 1st iteration CD XXX was received.Closing Costs XXX and Cash to Close XXX | 5.12.25-Client provided CD issued & e-signed XXX. This did not satisfy the exception.The XXX CD was the last provided outside of 3 days of closing, and the Rate / APR increased over threshold on XXX with a XXX consummation date.5.22.25-Client provided CD issued XXX & e-signed XXX. This did not satisfy the exception. Rate/APR increased over threshold on XXX with a XXX consummation date.5.29.25-Client provided Borrower handwritten, signed & dated waiver request. And Client Approval email. | 5.12.25-Exception Remains.5.22.25-Exception Remains.5.22.25-Final Grade C. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX since 4/1/2011 (14 years).<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 72.10% is below maximum of 85%.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Postive mortgage payment history 0X30X24.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves XXX. Required reserves $XXX. |
| 52706 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing payment verification of PITI for refinance dated XXX of XXX | 5/9/2025- Nothing provided- Exception remainsXXX lender provided Final HUD for XXX | 06/02/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX since 4/1/2011 (14 years).<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 72.10% is below maximum of 85%.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Postive mortgage payment history 0X30X24.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves XXX. Required reserves $XXX. |
| 52706 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Credit | LTV/CLTV | Waived B | CRDLTV3034 | CLTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | CLTV is XXX; max CLTV is XXX based on guidelines for loan amount and Credit Score. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX since 4/1/2011 (14 years).<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 72.10% is below maximum of 85%.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Postive mortgage payment history 0X30X24.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves XXX. Required reserves $XXX. |
| 93985 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Loan presented as 24 month bank statement program with only 16 months statements provided. Provide the missing statements from XXX #XXX from 9/2024-2/2024 to complete income calculation. Additional conditions may apply. | 03/11/2026 client provided: corrected ULAW, should have only been 12MBS | 03/112026 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 45.26 is < the maximum DTI of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Current mortgage reviewed for 27 months with 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 717 is > the minimum credit score of 640.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned current primary residence for XXX years and XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 65% is < the maximum LTV of 70%. |
| 20529 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 | Initial CD is missing from file. Please provide Initial CD with Confirmation of Receipt at least 3 days prior to Consummation Date XXX. | 3.19.26-Client provided Initial CD issued XXX | 3.19.26-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum credit score is 640. Borrower's credit score is 687<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Maximum DTI is 50.49%, borrower's DTI is 38.88% |
| 20529 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD is missing from file. Please provide Initial CD with Confirmation of Receipt at least 3 days prior to Consummation Date XXX | 3.19.26-Client provided Initial CD issued XXX | 3.19.26-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum credit score is 640. Borrower's credit score is 687<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Maximum DTI is 50.49%, borrower's DTI is 38.88% |
| 20529 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Initial CD is missing from file. Please provide Initial CD with Confirmation of Receipt at least 3 days prior to Consummation Date XXX | 3.16.26-Client provided proof that Initial CD was created on XXX and viewed onXXX. But the Actual CD was not provided, please provide.3.19.26-Client provided Initial CD issued XXX | 3.16.26-Exception Remains.3.19.26-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum credit score is 640. Borrower's credit score is 687<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Maximum DTI is 50.49%, borrower's DTI is 38.88% |
| 20529 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing 2024/2025 W2's | 03/13/2026 client response: 2024 W2 was not used and is not required per GLs 5.22. Uploading 2025 W2 | 03/13/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum credit score is 640. Borrower's credit score is 687<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Maximum DTI is 50.49%, borrower's DTI is 38.88% |
| 52106 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, XXX years XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 12 years 11 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX. Required reserves $XXX<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Postive rental payment history 0x30x48. |
| 17970 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance of $50 due to Appraisal fee increased with no valid reason in file. Provide COC reflecting valid reason for the fee changes or PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery.\*\*\*Final CD issued XXX shows $50 Appraisal Cure but it is removed on the PCCD issued XXX\*\* | 3.20.26-Client provided PCCD issued XXX, copy of cure check, LOE to borrower and copy of delivery tracking information. | 3.20.26-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score of 790 exceeds min score requirement of 730.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 38.71% is below guideline requirements of 75%.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in this line of work in the past: 5 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit show 0x30x82. |
| 57512 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 15.77%, max per guidelines is 50.49%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 122.97 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 70%; max allowed per guidelines is 80%.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage payment history is for 82 months when 12 months are required<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 725 qualifying score. Min required per guidelines is 720. |
| 45571 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Min credit score required 700. File credit score 746.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years and XXX months in current residence.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: 23 years and 0 months in current profession |
| 69364 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 23 years 11 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 49.72% is below max LTV of 85%. |
| 87994 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX exceed guidelines OF $XXX.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, XXX years XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 38.99%, max per guidelines is 50%. |
| 34541 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 743 qualifying score. Min required per guidelines is 700.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, 8 years 10 months.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 17.43%, max per guidelines is 50%.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Postive mortgage payment history 0X30X47. |
| 92445 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Private VOR's provided. LTV greater than 75% 12 months cancelled rent checks or bank statements are required. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 33.58%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Verified 776 FICO score. Minimum required 700.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80% is below max LTV of 90%. |
| 73062 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 46.66% is below max DTI of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total assets verified $XXX. CTC $XXXleaves reserves of $XXX or 12.73 mos. Reserves required 3 mos.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score of 724 exceeds min score requirement of 660. |
| 69982 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, XXX years XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 801 Credit score exceeds minimum guideline score of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX. Required reserves $0. |
| 50310 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of HOA dues for XXX | 2/19/26- Client uploaded XXX report to confirm no HOA | Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Postive mortgage payment history 0X30X52.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 10 years 11 months. |
| 92765 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Lender Exception approval in file for the rate of 7.25% at par, Corrected LTV of 65% exceeds max LTV of 60% for C/O refi of manufactured housing | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 22 years 11 months.<br>CFCFS2860: Good credit history<br> - XXX Comments: Good credit history 0X30X294.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, XXX years XXX months, |
| 92765 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR265 | Appraisal form does not match property type(Mobile Home, Manufactured Home) | No | Appraisal in file is on Form 1004. Subject property is a Manufactured Home and appraisal is to be completed on Form 1004C. | 03/13/2026 client provided 1004C | 03/13/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 22 years 11 months.<br>CFCFS2860: Good credit history<br> - XXX Comments: Good credit history 0X30X294.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, XXX years XXX months, |
| 95749 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing VVOE within 72 hours of Funding for Borrower XXX. | 03/23/2026 client provided VVOE | 03/23/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been with employer in the past: 19 years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in this line of work in the past: 19 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score of 678 exceeds min score requirement of 640.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for the past: XXX years. |
| 32800 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | ULAW and Conditional Loan Approval in the credit file are illegible. Provided legible copies of both Approvals | 03/11/2026 client provided Approval and ULAW | 03/11/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 748 is > the minimum credit score of 600.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 55.56% is < the maximum LTV of 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total assets verified $XXX. CTC $XXX leaves reserves of $XXXor 15.38 mos. Reserves required 0 mos. |
| 96433 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX | 3.10.26-Client provided Initial CD issued & signed XXX | 3.10.26-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Min credit score required 700. File credit score 726<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years and XXX months in current residence. |
| 96433 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX | 3.10.26-Client provided Initial CD issued & signed XXX | 3.10.26-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Min credit score required 700. File credit score 726<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years and XXX months in current residence. |
| 96433 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $17.35 due to Lender credit reduced from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 3.10.26-Client provided COC showing Lender Credit Decrease. | 3.10.26-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Min credit score required 700. File credit score 726<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years and XXX months in current residence. |
| 96433 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | Correction\*\*\* 55.66% DTI exceeds max DTI of 50.49%. Retirement 1099/ Award letter- $6044.68 (1099 reflects federal taxes withheld), SSI Award letter $2150.10 x 15%= $322.52 x .25= $80.63= $2,230.73. & Pension Award letter $136 x 125%= $170. Total $8,445.41. | 3/10/26- Document Uploaded. Uploading PERS, pension and SSI award letter and income calc showing figures UW used. Please note all 3 forms of income are grossed up 15%3/10/26- Based on second review. Income was re-calculated and corrected above with a revised DTI of 55.66%. Retirement income cannot be grossed up as the 1099 reflects federal taxes. Per guidelines would need to document income is non-taxable. Direct deposit even reflects a significant reduction from amt listed on Award letter. Exception remains 3/11/26- XXX agrees with TPR that pension should not be grossed up and that only the nontaxable portion of PERS may be grossed up per the 1099. SSI, however, may be grossed up to 125% based on the award letter. Because SSI is inherently non taxable, it can be grossed up even when taxes are voluntarily withheld. 2150.12\*125%=2687.65. Uploading updated 1003 and ULAW with comp factors for DTI at 53% | Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Min credit score required 700. File credit score 726<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years and XXX months in current residence. |
| 37147 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing proof of legal residency document EAD or valid VISA. | 03/17/2026 client response: The borrower is a XXX priced as ITIN due to lack of VISA/employment authorization card. Uploading ITIN letter | 03/17/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 706 mid score > min required of 700.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 35.28%; guidelines allow 70%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 48.03% is below the guideline minimum of 50.49%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job; 6 years 1/mo. |
| 39916 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 718 is > the minimum credit score of 600.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 65% is < the maximum LTV of 75%. |
| 68966 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total assets verified $XXX. CTC $XXX leaves reserves of $XXX or 5.8 months. No reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX for 6 years<br>CFCFS2860: Good credit history<br> - XXX Comments: Credit history is positive over the review period. |
| 20863 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide Application Authorization Document | 3.16.26-Client provided Application Authorization Document. | 3.16.26-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX for 17 years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Loan LTV 41.18% is less than the maximum of 65%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: The borrower has lived at the current residence for XXX years |
| 47524 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide Application Authorization Document. | 3.9.26-Client provided Application Authorization Document. | 3.9.26-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 58.06% LTV below max guideline of 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 11 years 4 months.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, XXX years. |
| 47524 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of taxes, insurance and HOA dues for REO on XXX. Additional conditions may apply. | 3/10/26- Document Uploaded. Uploading XXX and XXX for taxes and HOA along with updated ULAW and 1003 | Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 58.06% LTV below max guideline of 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 11 years 4 months.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, XXX years. |
| 22236 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 12 years 11 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves of $XXX exceed guideline of $XXX. |
| 24715 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Max DTI 50.49% File 37.68%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Min credit score required 640. File credit score 723 |
| 47726 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 784 exceeds guidelines 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has 84 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job; 10 years 0/mo. |
| 78563 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 56.52% is below max of 70%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 17 years at current job. |
| 55278 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXX Comments: 12 years and 0 months in current profession.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years and XXX months in current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Min credit score required 700. File credit score 765 |
| 75015 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing lease documentation for rent to be received at borrower's departure residence. 1003 shows $XXX/month rental income. Rent Estimate only reflects $4145 | 04/02/2026 client provided corrected 1003 for departure rents to 80% of the market rents. | 04/02/2026 exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has 15 year employment history with current employer<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum credit score 640, borrower's credit score is 747 |
| 75015 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | DTI | Waived C B | CRDDTI187 | Debt Ratio > 50% | No | DTI of 54.54% exceeds max DTI of 50%. Lender used $XXX rent for departure residence, but file contained Rent Estimate at $4145 leaving negative net rent $-2330.40. | 04/02/2026 client provided updated ULAW with comp factors.04/02/2026 XXX response: Upon further review by XXX Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for Credit Score and Time in profession04/03/2026 client acknowledged exception | 04/03/2026 Final grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has 15 year employment history with current employer<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum credit score 640, borrower's credit score is 747 |
| 22906 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Positive mortgage payment history 0X30X39.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 721 Credit score exceeds minimum guideline score of 700.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 68.10% LTV below max guideline requirement of 80%. |
| 28935 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, XXX years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has significant time at current job, 6 years 2 months.<br>CFCFS2860: Good credit history<br> - XXX Comments: Good credit history 0x30x266. |
| 90724 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Federal Consumer Protection | Waived B | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | No | NMLS shows Loan Originator with a middle name, no middle name showing on documentation provided | 3.20.26-Client requested to change the Status from Open/Active to Waive/Closed. | 3.20.26-Final Grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum credit score is 600, borrower's credit score is 808<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Maximum LTV 60%, subject's LTV is 41.88% |
| 90724 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 | Initial CD: XXX APR Stated as 7.144%, Final CD: XXX APR Stated as 7.501%, difference of 0.357% exceeds tolerance of 0.125%. | 3.19.26-Client provided previously provided CD issued XXX. Provide proof of receipt for Initial CD issued XXX.3.26.26-Client provided Package Details showing Initial CD issued & viewed XXX. | 3.19.26-Exception Remains.3.26.26-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum credit score is 600, borrower's credit score is 808<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Maximum LTV 60%, subject's LTV is 41.88% |
| 23431 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD: Ten percent 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 | Recording fee increase of $244 above tolerance, increased with no valid COC. Provide proof of refund, revised Closing Disclosure, COC explaining changes within 60 days of discovery with proof of delivery via shipping method that includes tracking information. | 4.8.26-Client provided PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery. | 4.8.26-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 39.53% is below the guideline minimum of 50.49%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job; 20 years 0/mo.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 679 mid score > min required of 600.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 37.50%; guidelines allow 65%. |
| 34863 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Right of Rescission | Satisfied C B | CMPROR1911 | Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor | No | H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. | 5.22.26-Client provided Correct version of NORTC and proof of XXX Tracking Information. | 5.22.26-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post-Closing Assets: $XXX/$XXX PITI = XXX months reserves.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX for 9 years 9 months.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: The DTI is 46.19% and guidelines allow the DTI to be 50.49% |
| 14102 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score of 712 exceeds min score requirement of 640.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Borrower has been with employer in the past: 15 years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in this line of work in the past: 40 years. |
| 69498 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX exceed guidelines of $XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 705 qualifying score. Min required per guidelines is 660. |
| 98128 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Compliance | Texas Equity | Satisfied C B | CMPTXEQ5830 | TX Equity - Total fees greater than the allowable cap | No | The adjusted charges are $7901.67 and margin is over by $1181.67, please provide documents showing undiscounted interest rate. To include the LDR at closing or as closing as possible. | 3.17.26-Client provided LDR stating Undiscounted Rate. | 3.17.26-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower will have 21 months reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has 70 month mortgage payment history reporting on credit |
| 98128 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing the VVOE for borrower 3 and dated within 3 days on Note date XXX. | 03/13/2026 client provided VVOE and updated ULAW with comp factors | 03/13/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower will have 21 months reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has 70 month mortgage payment history reporting on credit |
| 98128 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Credit | Income/Employment | Satisfied D A | CRDINC2302 | Missing Required Income Documentation | No | Missing income documentation for borrower 3 to support income of $4,593.33. | 03/13/2026 client provided income docs and income calc | 03/13/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower will have 21 months reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has 70 month mortgage payment history reporting on credit |
| 37268 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR1939 | Appraiser License for Incorrect State | No | Missing complete Appraisal report. File contains pages 1-3 only | 03/23/2026 Client provided Appraisal | 03/23/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum credit score for 80% is 640. Borrower's credit score is 786<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX exceed guidelines $8,467.80.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 44.93% is below guideline requirement of 50%. |
| 37268 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Missing complete Appraisal report. File contains pages 1-3 only | 03/23/2026 Client provided Appraisal | 03/23/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum credit score for 80% is 640. Borrower's credit score is 786<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX exceed guidelines $8,467.80.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 44.93% is below guideline requirement of 50%. |
| 37268 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR271 | Comp photos are missing | No | Missing complete Appraisal report. File contains pages 1-3 only | 03/23/2026 Client provided Appraisal | 03/23/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum credit score for 80% is 640. Borrower's credit score is 786<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX exceed guidelines $8,467.80.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 44.93% is below guideline requirement of 50%. |
| 37268 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR281 | Subject Photos are missing | No | Missing complete Appraisal report. File contains pages 1-3 only | 03/23/2026 Client provided Appraisal | 03/23/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum credit score for 80% is 640. Borrower's credit score is 786<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX exceed guidelines $8,467.80.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 44.93% is below guideline requirement of 50%. |
| 37268 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR284 | Appraiser License Missing | No | Missing complete Appraisal report. File contains pages 1-3 only | 03/23/2026 Client provided Appraisal | 03/23/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum credit score for 80% is 640. Borrower's credit score is 786<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX exceed guidelines $8,467.80.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 44.93% is below guideline requirement of 50%. |
| 72840 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Min credit score required 700. File credit score 793<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years and XXX months in current residence.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: 10 years and 0 months in current profession. |
| 55139 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in this line of work in the past: 6 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit show 0x30x82.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current residence for XXX years.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 39.54%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score of 797 exceeds min score requirement of 700. |
| 47727 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been working for the same employer for 12 years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: The borrower has lived at the current residence for XXX years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Loan LTV 27.71%, Max 70% |
| 79716 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Borrower without 12 month housing history as a FTHB. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 798 Credit score exceeds minimum guideline score of 700.<br>CFCFS2860: Good credit history<br> - XXX Comments: Good credit history 0X30X122. |
| 79716 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | DTI | Waived B | CRDDTI106 | Debt Ratio Exception >5% and <10% | No | DTI 49.68% exceeds the maximum of 43% for FTHB with no prior housing history. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 798 Credit score exceeds minimum guideline score of 700.<br>CFCFS2860: Good credit history<br> - XXX Comments: Good credit history 0X30X122. |
| 79716 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV 80% exceeds the maximum of 70% for FTHB with prior housing history. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 798 Credit score exceeds minimum guideline score of 700.<br>CFCFS2860: Good credit history<br> - XXX Comments: Good credit history 0X30X122. |
| 41395 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 45.34% is < the maximum DTI of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total assets verified $XXX. CTC $XXX leaves reserves of $XXX or 7.21 mos. Reserves required 3 mos.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per the VVOE, the borrower has been employed with current employer for 10 years and 2 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 756 is > the minimum credit score of 640. |
| 12316 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been employed same profession for 8 years.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 29.55%, max per guidelines is 50.49%. |
| 30199 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 44.44%; max allowed per guidelines is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 12.48 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 36.20%, max per guidelines is 55%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 786 qualifying score. Min required per guidelines is 780. |
| 51744 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 808 Credit score exceeds minimum guideline score of 700.<br>CFCFS2860: Good credit history<br> - XXX Comments: Good credit history 0x30x163.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 6 years 2 months. |

---

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **BRAVO 2026-NQM6** |
| **Start - End Dates:** | **7/14/2022 - 3/30/2026** |
| **Deal Loan Count:** | **125** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| *Loans In Report:* | *125* |
| *Loans with Conditions:* | *45* |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 87238 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 35561 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 14933 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 45744 | XXXXXX | XXXXXX C B A | A | A C B | A | A | Not Applicable |
| 55672 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 14397 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 25653 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 85455 | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| 38670 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 66691 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 68085 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 74103 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 94933 | XXXXXX | XXXXXX D B A | C | B D A | C | B | No |
| 44390 | XXXXXX | XXXXXX D A C | A | A D C | A | A | No |
| 89065 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Yes |
| 18798 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 89069 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 48167 | XXXXXX | XXXXXX D B A | A | A D B | A | A | Yes |
| 78969 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 61771 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 78570 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 84514 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 71756 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10303 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 71359 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 40204 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 35718 | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 66362 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 56636 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 21945 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 44681 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 75719 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 82349 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 22884 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 86167 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 77664 | XXXXXX | XXXXXX D A C | N/A | N/A D C | N/A | N/A | Not Applicable |
| 77417 | XXXXXX | XXXXXX C B A | N/A | N/A C B | N/A | N/A | Not Applicable |
| 82938 | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 98644 | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 88960 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 48651 | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 67121 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 67050 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 18562 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 55056 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 36225 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 87590 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 62640 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 60990 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 51336 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 32142 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 12473 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 14375 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 53495 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 30880 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 28783 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 24329 | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| 34822 | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 58769 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 54004 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 63428 | XXXXXX | XXXXXX C A | A | A C | A | A | Yes |
| 86434 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 68898 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 49048 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88065 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 98839 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 34206 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 12378 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 65653 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 75350 | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 78210 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 99416 | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 39780 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 80424 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 89993 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 21525 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 56634 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 13269 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 52706 | XXXXXX | XXXXXX D B A | C | B D A | C | B | No |
| 93985 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 20529 | XXXXXX | XXXXXX D A C | D | A D C | D | A | No |
| 52106 | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 17970 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 57512 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 45571 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 69364 | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 87994 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 34541 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 92445 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 73062 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 69982 | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 50310 | XXXXXX | XXXXXX D A | A | A D | A | A | Yes |
| 92765 | XXXXXX | XXXXXX C B A | A | A C B | A | A | Yes |
| 95749 | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 32800 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 96433 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 37147 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 39916 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 68966 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 20863 | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 47524 | XXXXXX | XXXXXX D A | D | A D | D | A | No |
| 22236 | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 24715 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 47726 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 78563 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 55278 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 75015 | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 22906 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 28935 | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 90724 | XXXXXX | XXXXXX C B A | C | B C A | C | B | No |
| 23431 | XXXXXX | XXXXXX C B A | C | B C A | C | B | No |
| 34863 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 14102 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 69498 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 98128 | XXXXXX | XXXXXX D B A | C | B D A | C | B | No |
| 37268 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 72840 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 55139 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 47727 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 79716 | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 41395 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 12316 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 30199 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 51744 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |

---

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **BRAVO 2026-NQM6** |
| **Start - End Dates:** | **7/14/2022 - 3/30/2026** |
| **Deal Loan Count:** | **125** |
| **ATR QM Upload** | **ATR QM Upload** |
| *Loans In Report:* | *125* |

---

---

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| **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** |
| 87238 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 3.438 | (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) | -2687.11 | 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 | No | (No Data) | Yes | 2650.00 | 0.98 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 12 Months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 35561 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXXXXX | Yes | Yes | 0.918 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 3.71 | 3.71 | 3.71 | 3.71 | 3.71 | 3.71 | No | Yes | Yes | 722172.66 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 14933 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (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 | XXXXXX | Yes | Yes | 1.095 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 8.2 | 8.51 | 8.2 | 8.51 | 8.51 | 8.51 | No | No | (No Data) | 315657.68 | 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) |
| 45744 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | 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) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 3.438 | (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) | -2416.84 | 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 | 1610.00 | No | (No Data) | 0.98 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 55672 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | XXXXXX | 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) | -2899.97 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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) | 1.00 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 14397 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB | (No Data) | Yes | Yes | 1 | XXXXXX | 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) | -20789.25 | 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) | 1.10 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 25653 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (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 | XXXXXX | 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) | -8590.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2300.00 | Yes | 6600.00 | 1.37 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85455 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (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 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 3.313 | (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) | -3480.19 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | Yes | 1150.00 | 1.58 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 38670 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXXXXX | 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) | -6246.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1400.00 | No | (No Data) | 1.33 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 66691 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | XXXXXX | Yes | Yes | 0.05 | 0.000 | 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 | 34.76 | 34.76 | 34.76 | 28.97 | 28.97 | 34.76 | No | No | (No Data) | 73941.6 | Yes | 60 | Yes | 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 | 4 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 4 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 68085 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | 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) | -9723.87 | 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) | Yes | 1925.00 | 1.11 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - Month-to-Month | DSCR - w/lease agreement - Month-to-Month | DSCR - w/lease agreement - Month-to-Month | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 74103 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | XXXXXX | No | No | 2.8 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1748.44 | 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 | No | (No Data) | Yes | 2000.00 | 1.14 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 12 Months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 94933 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | ATR Risk: Non-QM - Lender did not document all ATR UW factors | XXXXXX | 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 | XXXXXX | No | No | 2.003 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.79 | 49.79 | 0 | 49.79 | 49.79 | 49.79 | No | No | (No Data) | 12837.33 | Yes | 60 | No | 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 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 44390 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXXXXX | No | No | 2.381 | 2.381 | (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 | Yes | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.15 | 44.33 | 0 | 44.33 | 44.33 | 44.33 | No | No | (No Data) | 4450.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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) | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 89065 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | XXXXXX | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2376.62 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (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 | 4600.00 | No | (No Data) | 1.9355 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 18798 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPPD if Amt PPD > 20% of OPB | (No Data) | No | Yes | 1 | XXXXXX | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2373.29 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4433.00 | No | (No Data) | 1.8678 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 89069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4849.42 | 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 | 5000.00 | No | (No Data) | 1.0310 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 48167 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd >20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | 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 | 10.83 | 0 | 10.83 | 10.83 | 10.83 | (No Data) | (No Data) | (No Data) | 101181.02 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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 | 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 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 78969 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | 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) | -3724.52 | 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 | 4000.00 | No | (No Data) | 1.0739 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 61771 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6669.03 | 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 | 8000.00 | No | (No Data) | 1.1995 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 78570 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (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 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | XXXXXX | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -11129.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 14500.00 | 1.3027 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 84514 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6043.38 | 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) | Yes | 7200.00 | 1.1913 | (No Data) | 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) | DSCR - w/lease agreement - 0 months;<br> Personal Bank Statements - 3 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 71756 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | 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 | 33.57 | 0 | 33.57 | 33.57 | 33.57 | (No Data) | (No Data) | (No Data) | 13302.63 | 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) | 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 - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10303 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | XXXXXX | Yes | No | 2.4 | (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 | 14.75 | 0 | 14.75 | 14.75 | 14.85 | (No Data) | (No Data) | (No Data) | 223776.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 71359 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXXXXX | 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) | -4779.42 | 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 | 4500.00 | No | (No Data) | 0.9415 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 60272 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1840.14 | 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) | 1.1412 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 40204 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | 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 | 24.06 | 0 | 24.06 | 24.06 | 24.06 | (No Data) | (No Data) | (No Data) | 14380.31 | 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) | Yes | 24 | 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 - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | Entry stamp | (No Data) | (No Data) | (No Data) |
| 35718 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | XXXXXX | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -12773.05 | 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) | Yes | 14000.00 | 1.0960 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 66362 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | XXXXXX | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4022.54 | 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 | No | Yes | 6300.00 | No | (No Data) | 1.5661 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 56636 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (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 | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | XXXXXX | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2211.06 | 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 | 2300.00 | 1.0402 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Entry stamp | (No Data) | (No Data) |
| 21945 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | 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) | -3509.48 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4500.00 | No | (No Data) | 1.2822 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 44681 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (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 | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | XXXXXX | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1693.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1700.00 | No | (No Data) | 1.0037 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 75719 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (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%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | 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) | -5811.39 | 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 | 6000.00 | No | (No Data) | 1.0324 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82349 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1984.53 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 1700.00 | No | (No Data) | 0.8567 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 22884 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (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%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | 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) | -7063.19 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 11500.00 | No | (No Data) | 1.6281 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86167 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | 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 | 16.65 | 0 | 16.65 | 16.65 | 16.65 | (No Data) | (No Data) | (No Data) | 116646.86 | 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) | Yes | CPA | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | CPA Letter - 24 months;<br> P & L Only - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 77664 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | XXXXXX | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7070.25 | 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 | 24000.00 | No | (No Data) | 3.3945 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 77417 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | XXXXXX | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3041.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3050.00 | No | (No Data) | 1.0029 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82938 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | XXXXXX | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6693.17 | 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 | 7300.00 | No | (No Data) | 1.0906 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 98644 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | XXXXXX | Yes | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 21.36 | 0 | 21.36 | 21.36 | 21.36 | (No Data) | (No Data) | (No Data) | 16935.46 | 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) | 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) | Yes | Independent Third Party (The Work Number, Equifax etc) | 15 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 15 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88960 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -937.75 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 1200.00 | No | (No Data) | 1.2796 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 48651 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXXXXX | 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) | -3409.89 | 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 | 4550.00 | No | (No Data) | 1.3343 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 67121 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXXXXX | 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) | -3584.86 | 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 | 3100.00 | No | (No Data) | 0.8647 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 67050 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | 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) | -2358.66 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2850.00 | No | (No Data) | 1.2083 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 18562 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (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 in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1466.06 | 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 | 1500.00 | No | (No Data) | 1.0231 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 55056 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Condotel | 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 | XXXXXX | 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) | -2798.77 | 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 | 6342.00 | No | (No Data) | 2.2659 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 36225 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos if amt prepd is >20% of UPB | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4733.68 | 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 | 5400.00 | No | (No Data) | 1.1407 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 87590 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3881.6 | 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 | 3500.00 | No | (No Data) | 0.9016 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 62640 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (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%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4904.76 | 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 | 6479.00 | No | (No Data) | 1.3209 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 60990 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXXXXX | 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) | -5399.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 5400.00 | 1.0000 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 51336 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (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) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5351.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5800.00 | No | (No Data) | 1.0838 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 32142 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Permanent Resident Alien | (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 in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5513.29 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 7500.00 | No | (No Data) | 1.3603 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Other | (No Data) | (No Data) |
| 12473 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | Non-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%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | 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) | -5009.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4500.00 | No | (No Data) | 0.8983 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 14375 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (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 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | XXXXXX | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2183.79 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2833.00 | No | (No Data) | 1.2972 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 53495 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | 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 | 39.33 | 0 | 39.33 | 39.33 | 39.33 | (No Data) | (No Data) | (No Data) | 13622.1 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 30880 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | XXXXXX | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5644.26 | 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 | 4850.00 | No | (No Data) | 0.8592 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 28783 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPPD if Amt PPD > 20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 11.761 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2592.05 | 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 | 6339.00 | No | (No Data) | 2.4455 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 24329 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 5.666 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3391.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7774.00 | No | (No Data) | 2.2924 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 34822 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (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 | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | XXXXXX | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3734.79 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5000.00 | No | (No Data) | 1.3387 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 58769 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (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 UPB if amt prepd >20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2770.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 0.7580 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 54004 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXXXXX | 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) | -1812.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 1900.00 | No | (No Data) | 1.0484 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 63428 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | XXXXXX | 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) | -10288.06 | 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 | 13000.00 | No | (No Data) | 1.2636 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86434 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (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 in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4290.21 | 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 | 5200.00 | No | (No Data) | 1.2120 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 68898 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | XXXXXX | Yes | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 31.68 | 0 | 31.68 | 31.68 | 31.68 | (No Data) | (No Data) | (No Data) | 15021.83 | 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 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 49048 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | XXXXXX | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3222.88 | 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 | 3575.00 | No | (No Data) | 1.1092 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 88065 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXXXXX | No | No | 2.071 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3493.84 | 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 | 4080.00 | No | (No Data) | 1.1677 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 98839 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | 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 | 15.93 | 0 | 15.93 | 15.93 | 15.93 | (No Data) | (No Data) | (No Data) | 56250.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | 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 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 34206 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3558.29 | 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 | 3400.00 | No | (No Data) | 1.0638 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 12378 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | XXXXXX | 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) | -4554.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3500.00 | No | (No Data) | 0.7683 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 65653 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | XXXXXX | 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) | -7168.58 | 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 | 15000.00 | 2.0924 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 75350 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | XXXXXX | Yes | No | 2.4 | (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 | 42.65 | 0 | 42.65 | 42.65 | 42.65 | (No Data) | (No Data) | (No Data) | 4434.8 | 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) |
| 78210 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3713.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4000.00 | No | (No Data) | 1.0772 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 99416 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd >20% of OPB | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5936.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6500.00 | No | (No Data) | 1.0949 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 39780 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | XXXXXX | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1086.46 | 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 | 2250.00 | No | (No Data) | 2.0709 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 80424 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (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 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | XXXXXX | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1659.62 | 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 | 2300.00 | No | (No Data) | 1.3858 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 89993 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | XXXXXX | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6083.86 | 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 | 7000.00 | No | (No Data) | 1.1505 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 21525 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | XXXXXX | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3313.34 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 56634 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (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) | No | No | 1 | XXXXXX | Yes | Yes | 1.074 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.91 | 16.91 | 16.91 | 16.91 | 16.91 | 16.91 | Yes | Yes | Yes | 97102.42 | 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 | 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) | Other | (No Data) | (No Data) | (No Data) |
| 13269 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXXXXX | 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 | 16.25 | 0 | 16.25 | 16.25 | 16.25 | (No Data) | (No Data) | (No Data) | 68770.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 288 | No | (No Data) | No | (No Data) | 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 - 288 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 52706 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXXXXX | Yes | Yes | 1.147 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.47 | 36.82 | 33.47 | 36.82 | 36.82 | 36.82 | Yes | Yes | Yes | 56602.83 | 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) |
| 93985 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Resident Alien | (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 | XXXXXX | No | No | 1.77 | 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 | 43.01 | 45.26 | 43.01 | 45.26 | 45.26 | 45.26 | Yes | Yes | Yes | 5680.06 | 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 | 16 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 16 months;<br> CPA Letter - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 20529 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXXXXX | Yes | Yes | 3.953 | 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 | 38.88 | 38.88 | 38.88 | 38.88 | 38.88 | 38.88 | Yes | Yes | Yes | 2712.36 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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 | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 52106 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXXXXX | Yes | Yes | 2.211 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.12 | 34.12 | 34.12 | 34.12 | 34.12 | 34.12 | Yes | Yes | Yes | 23561.66 | 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) | 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) |
| 17970 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | 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 | XXXXXX | Yes | Yes | 0.153 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27.7 | 27.7 | 27.7 | 27.7 | 27.7 | 27.7 | Yes | Yes | Yes | 44283.87 | 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 | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 57512 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXXXXX | Yes | Yes | 1.362 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 15.91 | 15.77 | 15.91 | 15.77 | 15.77 | 15.77 | Yes | Yes | Yes | 89817.26 | 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 | 84 | No | (No Data) | No | (No Data) | 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 - 84 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 45571 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | XXXXXX | Yes | Yes | 1.159 | 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 | 27.47 | 27.47 | 27.47 | 23.96 | 23.96 | 23.96 | Yes | Yes | Yes | 35069.8 | 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) |
| 69364 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXXXXX | No | No | 1.669 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.82 | 43.6 | 45.82 | 43.6 | 43.6 | 43.6 | Yes | Yes | Yes | 9473.98 | 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 | 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) |
| 87994 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXXXXX | Yes | Yes | 1.991 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.16 | 38.99 | 39.16 | 38.99 | 38.99 | 38.99 | Yes | Yes | Yes | 8415.41 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) | Paystub - 1 months;<br> W2 - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 34541 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | XXXXXX | Yes | Yes | 1.066 | 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 | 17.43 | 17.34 | 17.43 | 15.49 | 15.49 | 15.49 | Yes | Yes | Yes | 61689.44 | 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 | 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 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 92445 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | 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 | XXXXXX | Yes | Yes | 3.336 | 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 | 33.58 | 33.41 | 33.58 | 33.41 | 33.41 | 33.41 | Yes | Yes | Yes | 4074.4 | 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 | 48 | 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 - 48 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 73062 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXXXXX | No | No | 2.254 | 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 | 46.97 | 46.66 | 46.97 | 46.66 | 46.66 | 46.66 | Yes | Yes | Yes | 5688.54 | 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 | 18 | No | (No Data) | No | (No Data) | 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 - 18 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 69982 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXXXXX | Yes | Yes | 2.5 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.85 | 32.62 | 38.85 | 32.62 | 32.62 | 32.62 | Yes | Yes | Yes | 4788.34 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 50310 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXXXXX | Yes | Yes | 1.222 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.4 | 35.76 | 36.4 | 35.76 | 35.76 | 35.76 | Yes | Yes | Yes | 39733.17 | 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 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 92765 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXXXXX | Yes | Yes | 2.055 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.74 | 33.65 | 34.74 | 33.65 | 33.65 | 33.65 | Yes | Yes | Yes | 36650.2 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | 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) |
| 95749 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 3.763 | 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 | 48.45 | 49.04 | 48.45 | 49.04 | 49.04 | 49.04 | Yes | Yes | Yes | 11112.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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> Personal Tax Return - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 32800 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXXXXX | Yes | Yes | 3.143 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.18 | 41.43 | 41.18 | 41.43 | 41.43 | 41.43 | Yes | Yes | Yes | 3262.95 | 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 | 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 - 24 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 96433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 3.016 | 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 | 50.34 | 52.8 | 50.34 | 52.8 | 52.8 | 52.8 | Yes | Yes | Yes | 4201.72 | 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) | 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) | 1099 - 12 months;<br> Award Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 37147 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (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 | XXXXXX | No | No | 4.639 | 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 | 47.58 | 48.03 | 47.58 | 48.03 | 48.03 | 48.03 | Yes | Yes | Yes | 1778.77 | 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) | Yes | 24 | 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) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 39916 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 4.256 | 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 | 50.16 | 50.16 | 50.16 | 50.16 | 50.16 | 50.16 | Yes | Yes | Yes | 1693.31 | 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) | 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 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 68966 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent 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 | No | 1 | XXXXXX | Yes | Yes | 1.795 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.3 | 42.3 | 42.3 | 42.3 | 42.3 | 42.3 | Yes | Yes | Yes | 8494.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | P & L - 12 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 20863 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXXXXX | No | No | 2.019 | 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 | 46.22 | 46.22 | 46.22 | 46.22 | 46.22 | 46.22 | Yes | Yes | Yes | 2328.79 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | 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 - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 47524 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-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) | Yes | No | 1 | XXXXXX | Yes | Yes | 4.109 | 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 | 32.51 | 32.51 | 32.51 | 32.51 | 32.51 | 32.51 | Yes | Yes | Yes | 13927.44 | 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 | 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) |
| 22236 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXXXXX | Yes | Yes | 3.345 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.86 | 28.86 | 28.86 | 28.86 | 28.86 | 28.86 | Yes | Yes | Yes | 16451.12 | 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 | Yes | 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) | 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 - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 24715 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | 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 | XXXXXX | Yes | Yes | 1.515 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.27 | 37.68 | 37.27 | 37.68 | 37.68 | 37.68 | Yes | Yes | Yes | 14621.48 | 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 | 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) |
| 47726 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (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 | XXXXXX | No | No | 3.817 | 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 | 45.95 | 48.36 | 0 | 48.36 | 48.36 | 48.36 | Yes | Yes | Yes | 7290.43 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 - 48 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 78563 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (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 | No | 1 | XXXXXX | Yes | Yes | 3.534 | 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 | 40.85 | 40 | 40.85 | 40 | 40 | 40 | Yes | Yes | Yes | 4575.84 | 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 | 108 | No | (No Data) | No | (No Data) | 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 - 108 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 55278 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXXXXX | No | No | 2.657 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.53 | 50.1 | 0 | 50.1 | 50.1 | 50.1 | Yes | Yes | Yes | 5534.03 | 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 | 84 | No | (No Data) | No | (No Data) | 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 - 84 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 75015 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXXXXX | No | No | 0.129 | 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 | 49.99 | 54.54 | 49.99 | 54.54 | 54.54 | 54.54 | Yes | Yes | Yes | 9147.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 22906 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXXXXX | No | No | 2.162 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.36 | 50.36 | 50.36 | 50.36 | 50.36 | 50.36 | Yes | Yes | Yes | 5155.57 | 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) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 28935 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXXXXX | No | No | 1.533 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.64 | 49.83 | 49.64 | 49.83 | 49.83 | 49.83 | Yes | Yes | Yes | 7557.18 | 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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 90724 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 4.104 | 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 | 50.03 | 50.03 | 50.03 | 50.03 | 50.03 | 50.03 | Yes | Yes | Yes | 1253.27 | 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 | 1 | 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) | 1099 - 24 months;<br> Award Letter - 12 months;<br> Personal Bank Statements - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 23431 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | XXXXXX | Yes | No | 3.705 | 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 | 35.49 | 39.53 | 0 | 39.53 | 39.53 | 39.53 | Yes | Yes | Yes | 1886.14 | 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) | 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 - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 34863 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | XXXXXX | No | No | 3.362 | 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 | 46.19 | 46.19 | 46.19 | 46.19 | 46.19 | 46.19 | Yes | Yes | Yes | 3221.18 | 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 | 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 | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 14102 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXXXXX | Yes | No | 1.51 | 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 | 43.21 | 43.21 | 43.21 | 38.61 | 38.61 | 38.61 | Yes | Yes | Yes | 21035.25 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 25 | 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) | Yes | FMNA 1005 | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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 - 25 months;<br> W2 - 12 months;<br> Written VOE - 25 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 69498 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXXXXX | No | No | 2.219 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.47 | 50.47 | 50.47 | 50.47 | 50.47 | 50.47 | Yes | Yes | Yes | 8317.95 | 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) | Yes | Borrower | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 36 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 98128 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | 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 | XXXXXX | No | No | 3.638 | 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 | 50.35 | 50.34 | 50.35 | 50.34 | 50.34 | 50.34 | Yes | Yes | Yes | 4076.59 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) | 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 - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 37268 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXXXXX | No | No | 2.913 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.93 | 44.93 | 44.93 | 44.93 | 44.93 | 44.93 | Yes | Yes | Yes | 4159.83 | 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 | 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) | 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 - 180 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 72840 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXXXXX | Yes | Yes | 2.069 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.57 | 36.45 | 35.57 | 36.45 | 36.45 | 36.45 | Yes | Yes | Yes | 7911.7 | 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) | Yes | CPA | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 108 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 108 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 55139 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | No | 1 | XXXXXX | Yes | Yes | 2.139 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.54 | 39.54 | 39.54 | 39.54 | 39.54 | 39.54 | Yes | Yes | Yes | 6045.74 | 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 | 11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 11 months;<br> CPA Letter - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 47727 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | XXXXXX | Yes | No | 3.943 | 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 | 46.49 | 28.32 | 46.49 | 28.32 | 28.32 | 28.32 | Yes | Yes | Yes | 5529.2 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 79716 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXXXXX | No | No | 1.975 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.68 | 49.68 | 49.68 | 49.68 | 49.68 | 49.68 | Yes | Yes | Yes | 4059.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 41395 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | No | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXXXXX | No | No | 1.801 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.34 | 45.34 | 45.34 | 45.34 | 45.34 | 45.34 | Yes | Yes | Yes | 28391.3 | 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 | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 36 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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 - 36 months;<br> Written VOE - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 12316 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXXXXX | Yes | Yes | 2.461 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.58 | 29.55 | 29.58 | 29.55 | 29.55 | 29.55 | Yes | Yes | Yes | 11110.71 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 29 | No | (No Data) | No | (No Data) | 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 - 29 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 30199 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Mid Rise Condo (5-8) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | XXXXXX | Yes | Yes | 2.382 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.65 | 38.57 | 41.65 | 36.2 | 36.2 | 36.2 | Yes | Yes | Yes | 7995.42 | 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 | 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) |
| 51744 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXXXXX | Yes | Yes | 1.7 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 8.27 | 8.19 | 8.27 | 8.19 | 8.19 | 8.19 | Yes | Yes | Yes | 45903.85 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | 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) |

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## Exhibit 99.2

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **BRAVO 2026-NQM6** |
| **Start - End Dates:** | **7/14/2022 - 3/30/2026** |
| **Deal Loan Count:** | **125** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans In Report:* | *125* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **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** |
| 87238 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 35561 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 31820 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 14933 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 34055 | XXXXXX | XXXXXX | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXXX |
| 45744 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 55672 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 14397 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 25653 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 85455 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 38670 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 66691 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 1499 | XXXXXX | XXXXXX | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 68085 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 74103 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 94933 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 29315 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 44390 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 7730 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 89065 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | XXXXXX |
| 18798 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX |
| 89069 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 48167 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 78969 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 61771 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 78570 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 84514 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 71756 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 10303 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 71359 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 60272 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 40204 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 35718 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 66362 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 56636 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 21945 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 44681 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 75719 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 82349 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 22884 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 86167 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 77664 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 77417 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 82938 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 98644 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 88960 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 48651 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 67121 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 67050 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | XXXXXX |
| 18562 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 55056 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 36225 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 87590 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 62640 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 60990 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 51336 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 32142 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 12473 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | XXXXXX |
| 14375 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | XXXXXX |
| 53495 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 30880 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 28783 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | XXXXXX |
| 24329 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | XXXXXX |
| 34822 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 58769 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 54004 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 63428 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 86434 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 68898 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 49048 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 88065 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 98839 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 34206 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 12378 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 65653 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 75350 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 78210 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 99416 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 39780 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | XXXXXX |
| 80424 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 89993 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 21525 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 56634 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 14155 | XXXXXX | XXXXXX | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 13269 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 52706 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 31916.94 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 93985 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8497.81 | XXXXXX | XXXXXX | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 20529 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6040 | XXXXXX | XXXXXX | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 52106 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 23700 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 17970 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 1830 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 57512 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8550 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 45571 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 14120 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 69364 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7375 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 87994 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5833.75 | XXXXXX | XXXXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 34541 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12250 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 92445 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7574.48 | XXXXXX | XXXXXX | Employed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Yes | XXXXXX |
| 73062 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9771.66 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 69982 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 2681.25 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 50310 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11245 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 92765 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11935.5 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 95749 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7862.5 | XXXXXX | XXXXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 32800 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7520 | XXXXXX | XXXXXX | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 96433 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 15915 | XXXXXX | XXXXXX | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 37147 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5512.5 | XXXXXX | XXXXXX | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 39916 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6680.74 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 68966 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 13145 | XXXXXX | XXXXXX | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 20863 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 2800 | XXXXXX | XXXXXX | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 47524 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 14379.8 | XXXXXX | XXXXXX | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 22236 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 22955 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 24715 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 14165 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 47726 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10570 | XXXXXX | XXXXXX | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 78563 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11034 | XXXXXX | XXXXXX | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 55278 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 16125.63 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 75015 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 1207.03 | XXXXXX | XXXXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 22906 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8313.75 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 28935 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11250 | XXXXXX | XXXXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 90724 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5245 | XXXXXX | XXXXXX | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 23431 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4235.95 | XXXXXX | XXXXXX | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 34863 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12785 | XXXXXX | XXXXXX | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 14102 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 19920 | XXXXXX | XXXXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 69498 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9982.38 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 98128 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11975 | XXXXXX | XXXXXX | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 37268 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10821.24 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 72840 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10020 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 55139 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10859.38 | XXXXXX | XXXXXX | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 47727 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5670 | XXXXXX | XXXXXX | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 79716 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8547 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 41395 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 23525 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | No | Yes | XXXXXX |
| 12316 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8608.25 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 30199 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7495 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 51744 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7395 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |

---

©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **BRAVO 2026-NQM6** |
| **Start - End Dates:** | **7/14/2022 - 3/30/2026** |
| **Deal Loan Count:** | **125** |
| **Valuations Summary** |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| *Loans In Report:* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*125* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*125* |  |  | **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** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| *Loans In Report:* |  |  |  |  | **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** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **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** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 87238 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 35561 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 7.35% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 14933 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 1.66% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.66% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 45744 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 55672 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 14397 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 25653 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 85455 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 38670 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 66691 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 68085 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 74103 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 94933 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 44390 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 89065 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 18798 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 89069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 48167 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 78969 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 61771 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 78570 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 84514 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 71756 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10303 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 71359 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 60272 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -20.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 40204 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 35718 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 66362 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 56636 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 21945 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 44681 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| 75719 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.13% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 82349 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 22884 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 86167 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 77664 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 77417 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 82938 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 98644 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 88960 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 48651 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 67121 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| 67050 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.16% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 18562 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 55056 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 36225 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 87590 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 62640 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 60990 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 51336 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 32142 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 12473 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 14375 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 53495 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 30880 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 28783 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 24329 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 34822 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 58769 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 54004 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -6.20% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 63428 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 86434 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 68898 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 49048 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 88065 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 98839 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 34206 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 12378 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 65653 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 75350 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 78210 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 99416 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 39780 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 80424 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 89993 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 21525 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 56634 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 13269 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 52706 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 6.94% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 93985 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 20529 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 52106 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 17970 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 57512 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 45571 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 69364 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 87994 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 34541 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 92445 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 73062 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 69982 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 50310 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 92765 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 95749 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 32800 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 96433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 37147 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 39916 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 68966 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 20863 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 47524 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 22236 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 24715 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 47726 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 78563 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 55278 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 75015 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 22906 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 28935 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 90724 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 23431 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 34863 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 14102 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 69498 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 98128 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 7.14% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 37268 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 72840 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 55139 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 47727 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 79716 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 41395 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 12316 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 30199 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 51744 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |

---

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **BRAVO 2026-NQM6** |
| **Start - End Dates:** | **7/14/2022 - 3/30/2026** |
| **Deal Loan Count:** | **125** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Terms/Guidelines | CRDTER113 | Loan amount is below guideline minimum | 1 |
| Credit | Terms/Guidelines | CRDTER3122 | Loan documents do not meet guideline requirements | 1 |
| Credit | Terms/Guidelines | CRDTER3256 | Seller contributions exceed guideline requirements | 1 |
| Credit | Terms/Guidelines | CRDTER4631 | Loan parameters do not meet guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | 3 |
| Credit | DTI | CRDDTI106 | Debt Ratio Exception >5% and <10% | 1 |
| Credit | DTI | CRDDTI187 | Debt Ratio > 50% | 1 |
| Credit | LTV/CLTV | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | 1 |
| Credit | LTV/CLTV | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | 1 |
| Credit | LTV/CLTV | CRDLTV3034 | CLTV Exceeds Guideline Requirement by at least 5%, but less than 10% | 1 |
| Credit | LTV/CLTV | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | 3 |
| Credit | Title | CRDTIL100 | Potential title issue | 1 |
| Credit | Income/Employment | CRDINC150 | Income docs do not meet guidelines | 1 |
| Credit | Income/Employment | CRDINC3204 | Income Documentation Missing | 2 |
| Credit | Assets | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | 1 |
| Credit | Assets | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | 1 |
| Property Valuations | Property | PRVAPROP177 | Property Issues Indicated | 1 |
| Compliance | TILA/RESPA Integrated Disclosure | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance | 1 |
| Compliance | Federal Consumer Protection | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | 1 |
| Compliance | State Consumer Protection | CMPSTCP1151 | XXX Home Loans - Broker 'Amounts Earned' Disclosure not in file | 1 |
| **Total** |  |  |  | **26** |

---

<br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.2

![](clayton_logo.jpg)

---

| | |
|:---|:---|
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *11* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 87238 | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 35561 | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 14933 | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 14933 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 45744 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 55672 | XXXXXX | Combined Loan to Value | XXXXXX | XXXXXX |
| 25653 | XXXXXX | Property Type | 2 Family | 3 Family |
| 66691 | XXXXXX | Amortized Term | 240 | 360 |
| 66691 | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 66691 | XXXXXX | DTI (Back) | 40.1100 | 28.9746 |
| 66691 | XXXXXX | Product Type | 30 Yr Fixed Interest Only | 30 yr Fixed - 10 yr IO |
| 66691 | XXXXXX | Property Type | SFR | Detached PUD |
| 48167 | XXXXXX | Note Date | XXXXXX | XXXXXX |
| 22884 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 52706 | XXXXXX | DTI (Back) | 33.5000 | 36.8176 |
| 55278 | XXXXXX | Qualifying DTI (Back) | 40.5300 | 50.0956 |

---

## Exhibit 99.2

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Borrower 1 Last Name** | **Borrower 1 First Name** | **Borrower 2 Guarantor Flag** | **Borrower 2 Last Name** | **Borrower 2 First Name** | **Borrower 3 Guarantor Flag** | **Borrower 3 Last Name** | **Borrower 3 First Name** | **Borrower 4 Guarantor Flag** | **Borrower 4 Last Name** | **Borrower 4 First Name** | **Borrowing Entity Name** | **Borrower 2 Borrowing Entity Name** | **Address Street** | **Address Street 2** | **Address City** | **Address State** | **Address Zip** | **Loan Type** | **Product Type** | **Amortization Type** | **Note Status** | **Original Principal Balance** | **Note Date** | **Combined Loan Amount** | **First Payment Date** | **Note Rate** | **Note P&I** | **Payment Frequency** | **Maturity Date** | **Note Term** | **Amortized Term** | **Balloon** | **Balloon Term** | **Interest Only Period** | **Interest Only Term** | **Prepayment Penalty** | **Prepayment Penalty Term** | **Prepayment Penalty Type** | **Buydown** | **Buydown Period** | **Index** | **Look Back Period** | **Margin** | **Rounding Method** | **Max Rate At First Adj** | **Min Rate At First Adj** | **Rate Change Frequency** | **Payment Change Frequency** | **First Rate Change Date** | **First Payment Change Date** | **Next Rate Change Date** | **Next Pay Change Date** | **Periodic Rate Cap** | **Negative Amortization Principal Cap** | **Periodic Payment Cap Code** | **Maximum Rate** | **Minimum Rate** | **Lender Name** | **Origination Channel** | **Loan Modified** | **Reason For Modification** | **Mod Product Type** | **Modified Note Status** | **Modified Note Date** | **Note Amort Type Mod** | **Loan Amount Mod** | **Note Rate Mod** | **Note P&I Mod** | **Payment Frequency Mod** | **First Payment Date Mod** | **Maturity Date Mod** | **Loan Term Mod** | **Balloon Mod** | **Balloon Term Mod** | **Interest Only Period Mod** | **Interest Only Term Mod** | **Index Mod** | **Lookback Period Mod** | **Margin Mod** | **Rounding Method Mod** | **Max Rate At First Adj Mod** | **Min Rate At First Adj Mod** | **Rate Change Frequency Mod** | **Pay Change Frequency Mod** | **First Rate Change Date Mod** | **First Payment Change Date Mod** | **Next Rate Change Date Mod** | **Next Pay Change Date Mod** | **Periodic Rate Cap Mod** | **Negative Amortization Principal Cap Mod** | **Periodic Payment Cap Code Mod** | **Maximum Rate Mod** | **Minimum Rate Mod** | **Occupancy** | **Loan Purpose** | **Cash To Borrower At Close** | **Total Cash Out** | **Appraisal Status** | **Appraisal Form** | **Appraisal Date** | **Appraised Value** | **Sales Price** | **Value for LTV** | **Property Type** | **Number of Units** | **Year Built** | **Location** | **Occupancy Status** | **Appraisal Made** | **Site Value** | **Appraisal Review Type** | **Appraisal Review Value** | **LTV** | **CLTV** | **HCLTV** | **Mortgage Status** | **County** | **MIN Number** | **Transaction Date** | **Assumable** | **Mandatory Arbitration** | **Mortgage Insurance Required Indicator** | **Mortgage Cert in File** | **MI Paid By Borrower or Lender** | **MI Cert Number** | **MI Company** | **MI Percent of Coverage** | **MI Monthly Payment** | **Lien Position** | **Title Status** | **Other Liens** | **Other Lien Balance** | **Other Lien Payment** | **Title Doc Type** | **Title Interest Type** |
| 87238 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 35561 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 14933 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 45744 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Mid Rise Condo (5-8) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 55672 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 14397 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 25653 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 85455 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 38670 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 66691 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 68085 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 74103 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 94933 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 44390 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 89065 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Condotel | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 18798 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of Amt PPPD if Amt PPD > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Condotel | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 89069 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 48167 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | Yes | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004C Manuf (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Manufactured (Dbl) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 78969 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 61771 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 60 | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 78570 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 84514 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Final Title | Fee Simple |
| 71756 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 10303 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 60 | Yes | 36 | 3% of UPB if amt prepd >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 71359 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 60272 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 40204 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 35718 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 66362 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 12 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Condotel | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 56636 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 21945 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 44681 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 75719 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 82349 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 22884 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Final Title | Fee Simple |
| 86167 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Mid Rise Condo (5-8) | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 77664 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 77417 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 82938 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 98644 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 88960 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 48651 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 67121 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 67050 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 18562 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 55056 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Condotel | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 36225 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos if amt prepd is >20% of UPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 87590 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 62640 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 60990 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 51336 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 32142 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 12473 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 14375 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 53495 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 30880 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 12 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 28783 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of Amt PPPD if Amt PPD > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 24329 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | Not Applicable | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 34822 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 58769 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 54004 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Condotel | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 63428 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Final Title | Fee Simple |
| 86434 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 68898 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 49048 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 60 | Yes | 12 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 88065 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 98839 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 34206 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 12378 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 65653 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Final Title | Fee Simple |
| 75350 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt prepd >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 78210 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 99416 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 39780 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 3% of UPB if amt prepd >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 80424 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 48 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 89993 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 21525 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt prepd >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 56634 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 13269 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 52706 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | Yes | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 93985 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 20529 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 52106 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 17970 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 57512 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 45571 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 60 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 69364 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 87994 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 34541 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 60 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 92445 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 73062 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 69982 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004C Manuf (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Manufactured (Dbl) | 1 | XXXXXX | Rural | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 50310 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 92765 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004C Manuf (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Manufactured (Dbl) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 95749 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 32800 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004C Manuf (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Manufactured (Dbl) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 96433 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 37147 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 39916 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 68966 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 20863 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 47524 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 22236 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 24715 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 47726 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 78563 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 55278 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 75015 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 22906 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 28935 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 90724 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004C Manuf (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Manufactured (Dbl) | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 23431 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004C Manuf (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Manufactured (Dbl) | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 34863 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 14102 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 5 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 60 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 69498 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 98128 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 37268 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 72840 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 55139 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 47727 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 79716 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 41395 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Attorney Opinion | Fee Simple |
| 12316 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |
| 30199 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Mid Rise Condo (5-8) | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple |
| 51744 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple |

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| **Loan Number** | **Seller Loan Number** | **Borrower 1 Last Name** | **Property Tax Amount** | **Hazard Insurance Premium Amount** | **Flood Insurance Issuer** | **Flood Insurance Policy Mandatory** | **Flood Insurance Premium Amount** | **HOA Monthly Premium Amount** | **Application Status** | **Application Date** | **Number In Household** | **Relocation Loan** | **Credit Report Status** | **Credit Report Date** | **Longest Tradeline** | **Max Tradeline Amount** | **Number of Tradelines Open** | **Late Payments x30** | **Late Payments x60** | **Late Payments x90** | **Borrower 1 SSN** | **Borrower 1 Date of Birth** | **Borrower 1 Age** | **Borrower 1 Occupation** | **Borrower 1 Years On Job** | **Borrower 1 Years In Field** | **Borrower 1 Self Employed** | **Borrower 1 First Time Home Buyer** | **Borrower 1 Gender** | **Borrower 1 US Citizen** | **Borrower 1 Permanent Resident** | **Borrower 1 Non Permanent Resident** | **Borrower 1 Residency Basis Type** | **Borrower 1 Residency Duration Years** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Race 2** | **Borrower 1 Race 3** | **Borrower 1 Race 4** | **Borrower 1 Race 5** | **Borrower 1 Equifax Credit Score** | **Borrower 1 Experian Credit Score** | **Borrower 1 Transunion Credit Score** | **Borrower 1 Total Income** | **Borrower 2 SSN** | **Borrower 2 Date Of Birth** | **Borrower 2 Age** | **Borrower 2 Occupation** | **Borrower 2 Years On Job** | **Borrower 2 Years In Field** | **Borrower 2 Self Employed** | **Borrower 2 First Time Home Buyer** | **Borrower 2 Gender** | **Borrower 2 US Citizen** | **Borrower 2 Permanent Resident** | **Borrower 2 Non Permanent Resident** | **Borrower 2 Residency Basis Type** | **Borrower 2 Residency Duration Years** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Race 2** | **Borrower 2 Race 3** | **Borrower 2 Race 4** | **Borrower 2 Race 5** | **Borrower 2 Equifax Credit Score** | **Borrower 2 Experian Credit Score** | **Borrower 2 Transunion Credit Score** | **Borrower 2 Total Income** | **Current Balance** | **Current P&I** | **Representative Credit Score** | **Total Monthly Income** | **Total Remaining Gross Monthly Income** | **DTI (Front)** | **DTI (Back)** | **Total Monthly Expenses** | **Primary Residence Expense** | **Total Assets** | **Effective Amount (Assets Used)** | **Liquid Assets** | **Total Cash Required From Borrower** | **Cash Reserves** | **Months PITI Reserves** | **Months PITI Reserves (Qual Rate)** | **Qualification Method** | **Qualifying Rate** | **Qualifying P&I** | **DTI Qualifying (Front)** | **DTI Qualifying (Back)** | **Loan Doc Type** | **AUS Underwritten** | **What AUS Was Used** | **AUS Grade** | **HUD 1 Status** | **Disbursement Date** | **Good Faith Estimate Status** | **ROR Status** | **Early TIL Status** | **Corrected TIL Status** | **Final TIL Status** | **Active Material Exceptions** | **Active Non-Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **General Comments** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Grade** | **Final Securitization Compliance Grade** | **Initial S&P Compliance Grade** | **Final S&P Compliance Grade** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Appraiser First Name** | **Appraiser Last Name** | **Appraiser Certification/License #** |
| 87238 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 82 | 11200.00 | 6 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 793 | 804 | 787 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 793 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 14.45 | 14.45 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/lease agreement - 12 Months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 35561 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 99 | 15000.00 | 7 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 803 | 826 | 801 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 803 | XXXXXX | XXXXXX | 3.63 | 3.71 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 37.61 | 37.61 | Fully Amortized | XXXXXX | XXXXXX | 3.63 | 3.71 | 24 Mth Business Bank Stmts | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 14933 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 82 | 30000.00 | 5 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 787 | 795 | 785 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 787 | XXXXXX | XXXXXX | 7.9 | 8.51 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 26.5 | 26.50 | Fully Amortized | XXXXXX | XXXXXX | 7.9 | 8.51 | 12 Mth Business Bank Stmts | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 45744 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 344 | 26000.00 | 9 | 1 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 707 | 708 | 709 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 708 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.08 | 4.08 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A B | A C | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 55672 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 6 | No | Present | XXXXXX | 99 | 19837.00 | 6 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 748 | 759 | 743 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 748 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 28.48 | 28.48 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 14397 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 99 | 19000.00 | 6 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 773 | 736 | 768 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 783 | 780 | 731 | XXXXXX | XXXXXX | XXXXXX | 768 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 134.18 | 134.18 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 25653 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 12000.00 | 5 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 728 | 709 | 697 | XXXXXX | XXXXXX | XXXXXX | 709 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 71.37 | 71.36 | Qualifying Rate, Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 85455 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 46 | 13700.00 | 6 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 700 | 737 | 693 | XXXXXX | XXXXXX | XXXXXX | 700 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 108 | 108.00 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 38670 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 83 | 34990.00 | 6 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 715 | 676 | 709 | XXXXXX | XXXXXX | XXXXXX | 709 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 102.57 | 102.57 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 66691 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 99 | 50000.00 | 6 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 764 | 777 | 768 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 768 | 784 | 780 | XXXXXX | XXXXXX | XXXXXX | 768 | XXXXXX | XXXXXX | 22.25 | 28.97 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 293.23 | 232.69 | Custom Qual. P&I | XXXXXX | XXXXXX | 28.04 | 34.76 | Asset Utilization | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Personal Bank Statements - 4 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 68085 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 18700.00 | 6 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 793 | 804 | 808 | XXXXXX | XXXXXX | XXXXXX | 804 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 52.8 | 52.80 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - Month-to-Month | DSCR - w/lease agreement - Month-to-Month | DSCR - w/lease agreement - Month-to-Month | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 74103 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 92 | 21400.00 | 8 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 714 | 710 | 705 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 710 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 75.93 | 75.93 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 12 Months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 94933 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 33500.00 | 11 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 702 | 723 | 703 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 703 | XXXXXX | XXXXXX | 49.79 | 49.79 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.69 | 3.69 | Fully Amortized | XXXXXX | XXXXXX | 49.79 | 49.79 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | C B A | B D A | C B A | B | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 44390 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 99 | 1000.00 | 3 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 804 | 814 | 801 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 804 | XXXXXX | XXXXXX | 43.22 | 44.33 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 157.18 | 157.18 | Fully Amortized | XXXXXX | XXXXXX | 43.22 | 44.33 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) D C | A | A D C | A | A | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 89065 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.13 | 0.13 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 18798 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.41 | 0.41 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 89069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 11 | 12000.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 703 | 624 | 757 | XXXXXX | XXXXXX | XXXXXX | 703 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.04 | 0.04 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 48167 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 52 | 16000.00 | 5 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 668 | 694 | 699 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 694 | XXXXXX | XXXXXX | 5.07 | 10.83 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.39 | 7.39 | Fully Amortized | XXXXXX | XXXXXX | 5.07 | 10.83 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D B | A B | A D B | A B | A | Business Bank Statements - 13 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 78969 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 116 | 10000.00 | 3 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 770 | 772 | 793 | XXXXXX | XXXXXX | XXXXXX | 797 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 61.85 | 61.85 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 61771 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 78 | 15000.00 | 5 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 736 | 739 | 778 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 739 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9 | 9.00 | I/O Amount | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 78570 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 240 | 20000.00 | 5 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 785 | 791 | 775 | XXXXXX | XXXXXX | XXXXXX | 785 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 84514 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 40 | 6100.00 | 7 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 700 | 667 | 660 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 667 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months;<br> Personal Bank Statements - 3 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 71756 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 264 | 30000.00 | 15 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 709 | 705 | 714 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 709 | XXXXXX | XXXXXX | 22.01 | 33.57 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 22.01 | 33.57 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 10303 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 107 | 53454.00 | 9 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 744 | 712 | 755 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 744 | XXXXXX | XXXXXX | 9.79 | 14.75 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 525.02 | 465.17 | Fully Amortized | XXXXXX | XXXXXX | 9.79 | 14.85 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 71359 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 413 | 61176.00 | 10 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 657 | 695 | 668 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 668 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 60272 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 34 | 12497.00 | 5 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 762 | 745 | 772 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 762 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 40204 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 70 | 7300.00 | 6 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 663 | 682 | 667 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 667 | XXXXXX | XXXXXX | 18.48 | 24.06 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 60.88 | 60.88 | Fully Amortized | XXXXXX | XXXXXX | 18.48 | 24.06 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 35718 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 328 | 26492.00 | 7 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 668 | 665 | 690 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 668 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 29.71 | 29.71 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 66362 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 235 | 22000.00 | 3 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 774 | 791 | 746 | XXXXXX | XXXXXX | XXXXXX | 774 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.58 | 2.48 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 56636 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 243 | 17000.00 | 7 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 763 | 753 | 744 | XXXXXX | XXXXXX | XXXXXX | 753 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 13.72 | 13.72 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 21945 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 118 | 30000.00 | 8 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 735 | 740 | 776 | XXXXXX | XXXXXX | XXXXXX | 740 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 44681 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 10 | 3500.00 | 6 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 671 | 703 | 659 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 671 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 41.2 | 41.20 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 75719 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 169 | 1000.00 | 27 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 653 | 700 | 701 | XXXXXX | XXXXXX | XXXXXX | 700 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Custom Qual. P&I | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 82349 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 269 | 30000.00 | 6 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 688 | 687 | 650 | XXXXXX | XXXXXX | XXXXXX | 687 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 22884 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 196 | 24956.00 | 12 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 781 | 774 | 761 | XXXXXX | XXXXXX | XXXXXX | 774 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 86167 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 101 | 32900.00 | 12 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 824 | 750 | 794 | XXXXXX | XXXXXX | XXXXXX | 794 | XXXXXX | XXXXXX | 8.03 | 16.65 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 12.23 | 12.23 | Fully Amortized | XXXXXX | XXXXXX | 8.03 | 16.65 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | (No Data) | CPA Letter - 24 months;<br> P & L Only - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 77664 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 250 | 26000.00 | 15 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 608 | 650 | 643 | XXXXXX | XXXXXX | XXXXXX | 674 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.33 | 6.33 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 77417 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 44 | 8000.00 | 3 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 713 | 733 | 750 | XXXXXX | XXXXXX | XXXXXX | 733 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.39 | 2.39 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A B | N/A C | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 82938 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 260 | 35000.00 | 3 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 807 | 805 | 792 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 805 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 98644 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 131 | 20000.00 | 9 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 716 | 738 | 730 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 730 | XXXXXX | XXXXXX | 9.51 | 21.36 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1.34 | 1.34 | Fully Amortized | XXXXXX | XXXXXX | 9.51 | 21.36 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A | A | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 15 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 88960 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 439 | 15000.00 | 7 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 699 | 725 | 746 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 715 | 720 | 733 | XXXXXX | XXXXXX | XXXXXX | 725 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 48651 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 116 | 7300.00 | 8 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 693 | 649 | 693 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 693 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 67121 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 259 | 21000.00 | 15 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 772 | 793 | 778 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 778 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 50.67 | 50.67 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 67050 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 72.43 | 72.43 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 18562 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 292 | 30564.00 | 6 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 720 | 708 | 725 | XXXXXX | XXXXXX | XXXXXX | 720 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 19.94 | 19.94 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 55056 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 38 | 32683.00 | 9 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 698 | 638 | 691 | XXXXXX | XXXXXX | XXXXXX | 749 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20.43 | 20.43 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 36225 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 63 | 7706.00 | 6 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 711 | 739 | 717 | XXXXXX | XXXXXX | XXXXXX | 717 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.42 | 4.42 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 87590 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 150 | 10000.00 | 5 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 788 | 734 | 755 | XXXXXX | XXXXXX | XXXXXX | 755 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.77 | 0.77 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 62640 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 191 | 30000.00 | 8 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 757 | 812 | 720 | XXXXXX | XXXXXX | XXXXXX | 757 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 139.31 | 139.31 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 60990 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 228 | 20000.00 | 13 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 743 | 749 | 752 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 749 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 16.02 | 16.02 | I/O Amount | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 51336 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 247 | 8696.00 | 3 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 800 | 815 | 795 | XXXXXX | XXXXXX | XXXXXX | 800 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 32142 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 38 | 3000.00 | 3 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 723 | 739 | 754 | XXXXXX | XXXXXX | XXXXXX | 739 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.03 | 0.03 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 12473 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 14375 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | Not Applicable | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9 | 9.00 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 53495 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 250 | 21385.00 | 9 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 739 | 732 | 720 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 732 | XXXXXX | XXXXXX | 0 | 39.33 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 0 | 39.33 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 30880 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.99 | 4.99 | Custom Qual. P&I | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 28783 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.19 | 10.19 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 24329 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 21.3 | 21.30 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 34822 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 231 | 10000.00 | 3 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 661 | 663 | 629 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 661 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 58769 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 205.35 | 205.35 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 54004 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 318 | 24300.00 | 5 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 712 | 695 | 731 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 757 | 765 | 760 | XXXXXX | XXXXXX | XXXXXX | 760 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 113.4 | 113.40 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 63428 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 83 | 15050.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 692 | 672 | 661 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 672 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.71 | 0.71 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 86434 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 220 | 52300.00 | 8 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 735 | 747 | 743 | XXXXXX | XXXXXX | XXXXXX | 743 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 68898 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 136 | 24512.00 | 6 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 718 | 732 | 720 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 720 | XXXXXX | XXXXXX | 24.33 | 31.68 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 24.33 | 31.68 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 49048 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.32 | 6.32 | Custom Qual. P&I | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 88065 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 221 | 11000.00 | 7 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 810 | 835 | 830 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 830 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 175.37 | 175.37 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 98839 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 38 | 20000.00 | 11 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 746 | 708 | 687 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 708 | XXXXXX | XXXXXX | 6.58 | 15.93 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 157.65 | 157.65 | Fully Amortized | XXXXXX | XXXXXX | 6.58 | 15.93 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 34206 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 62 | 13000.00 | 3 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 803 | 808 | 790 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 803 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 22.16 | 22.16 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 12378 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 581 | 25000.00 | 8 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 786 | 787 | 794 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 787 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 16.58 | 16.58 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 65653 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 118 | 11500.00 | 9 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 674 | 683 | 682 | XXXXXX | XXXXXX | XXXXXX | 682 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 75350 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 83 | 7000.00 | 5 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 714 | 701 | 688 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 701 | XXXXXX | XXXXXX | 38.58 | 42.65 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.48 | 0.48 | Fully Amortized | XXXXXX | XXXXXX | 38.58 | 42.65 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A B | A D | A B | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 78210 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 217 | 16200.00 | 4 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 698 | 735 | 684 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 698 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 48.42 | 48.42 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 99416 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 199 | 50000.00 | 5 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 783 | 779 | 749 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 705 | 811 | 715 | XXXXXX | XXXXXX | XXXXXX | 779 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 72.02 | 72.02 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 39780 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 43.17 | 43.17 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 80424 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 22 | 21700.00 | 2 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 792 | 774 | 795 | XXXXXX | XXXXXX | XXXXXX | 792 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 138.26 | 138.26 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 89993 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 250 | 10450.00 | 25 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 723 | 643 | 721 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 721 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 21525 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 30 | 4500.00 | 2 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 732 | 744 | 736 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 736 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.58 | 6.58 | Fully Amortized | XXXXXX | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 56634 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 138 | 47600.00 | 14 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 689 | 722 | 707 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 707 | XXXXXX | XXXXXX | 9.64 | 16.91 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.91 | 3.91 | Fully Amortized | XXXXXX | XXXXXX | 9.64 | 16.91 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 13269 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 288 | 40000.00 | 2 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 756 | 741 | 715 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 741 | XXXXXX | XXXXXX | 6.09 | 16.25 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 6.09 | 16.25 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 288 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 52706 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 97 | 14800.00 | 7 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 697 | 745 | 717 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 717 | XXXXXX | XXXXXX | 31.01 | 36.82 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.8 | 3.80 | Fully Amortized | XXXXXX | XXXXXX | 31.01 | 36.82 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | C B A | B D A | C B A | B | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 93985 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 244 | 4500.00 | 7 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 717 | 676 | 722 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 717 | XXXXXX | XXXXXX | 39.25 | 45.26 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 39.25 | 45.26 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 16 months;<br> CPA Letter - 36 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 20529 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 6 | No | Present | XXXXXX | 8 | 1000.00 | 1 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 687 | 692 | 640 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 687 | XXXXXX | XXXXXX | 38.31 | 38.88 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 38.31 | 38.88 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D C | D A | A D C | D A | A | Paystub - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 52106 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 234 | 10000.00 | 9 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 678 | 803 | 702 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 702 | XXXXXX | XXXXXX | 33.03 | 34.12 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 25.21 | 25.21 | Fully Amortized | XXXXXX | XXXXXX | 33.03 | 34.12 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 17970 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 89 | 57000.00 | 5 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 790 | 807 | 781 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 790 | XXXXXX | XXXXXX | 18.46 | 27.7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 18.46 | 27.7 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 57512 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 361 | 60000.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 725 | 719 | 737 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 725 | XXXXXX | XXXXXX | 5.01 | 15.77 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 122.97 | 122.97 | Fully Amortized | XXXXXX | XXXXXX | 5.01 | 15.77 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 84 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 45571 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 281 | 22100.00 | 5 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 746 | 738 | 758 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 746 | XXXXXX | XXXXXX | 19.6 | 23.96 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 22.19 | 22.19 | Fully Amortized | XXXXXX | XXXXXX | 19.6 | 23.96 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 69364 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 98 | 154949.00 | 13 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 665 | 645 | 703 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 665 | XXXXXX | XXXXXX | 26 | 43.6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 26 | 43.6 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 87994 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 73 | 17000.00 | 2 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 747 | 788 | 749 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 737 | 740 | 737 | XXXXXX | XXXXXX | XXXXXX | 737 | XXXXXX | XXXXXX | 21.18 | 38.99 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.03 | 6.03 | Fully Amortized | XXXXXX | XXXXXX | 21.18 | 38.99 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Paystub - 1 months;<br> W2 - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 34541 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 32 | 25000.00 | 7 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 743 | 726 | 753 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 743 | XXXXXX | XXXXXX | 11.45 | 15.49 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | I/O Amount | XXXXXX | XXXXXX | 11.45 | 15.49 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 92445 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 324 | 10000.00 | 4 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 807 | 824 | 756 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 782 | 776 | 774 | XXXXXX | XXXXXX | XXXXXX | 776 | XXXXXX | XXXXXX | 28.5 | 33.41 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.08 | 3.08 | Fully Amortized | XXXXXX | XXXXXX | 28.5 | 33.41 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | CPA Letter - 48 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 73062 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 211 | 38500.00 | 10 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 724 | 711 | 744 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 724 | XXXXXX | XXXXXX | 42 | 46.66 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 12.73 | 12.73 | Fully Amortized | XXXXXX | XXXXXX | 42 | 46.66 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 18 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 69982 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 28 | 10000.00 | 3 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 801 | 800 | 797 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 800 | XXXXXX | XXXXXX | 15.98 | 32.62 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.75 | 2.75 | Fully Amortized | XXXXXX | XXXXXX | 15.98 | 32.62 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 50310 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 125 | 11000.00 | 12 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 757 | 728 | 758 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 757 | XXXXXX | XXXXXX | 12.38 | 35.76 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 14.83 | 14.83 | Fully Amortized | XXXXXX | XXXXXX | 12.38 | 35.76 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 92765 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 294 | 71319.00 | 16 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 668 | 688 | 705 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 688 | XXXXXX | XXXXXX | 8.67 | 33.65 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 8.67 | 33.65 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C B | A B | A C B | A B | A | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 95749 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 154 | 25463.00 | 25 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 679 | 683 | 688 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 678 | 671 | 683 | XXXXXX | XXXXXX | XXXXXX | 683 | XXXXXX | XXXXXX | 18.09 | 49.04 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 18.09 | 49.04 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Paystub - 1 months;<br> Personal Tax Return - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 32800 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 35 | 15000.00 | 3 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 760 | 748 | 739 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 748 | XXXXXX | XXXXXX | 40.53 | 41.43 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 15.38 | 15.38 | Fully Amortized | XXXXXX | XXXXXX | 40.53 | 41.43 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 96433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 96 | 20000.00 | 12 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 725 | 726 | 739 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 726 | XXXXXX | XXXXXX | 50.1 | 52.8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 30.57 | 30.57 | Fully Amortized | XXXXXX | XXXXXX | 50.1 | 52.8 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | 1099 - 12 months;<br> Award Letter - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 37147 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 58 | 0.00 | 1 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 708 | 706 | 682 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 706 | XXXXXX | XXXXXX | 31.08 | 48.03 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 31.08 | 48.03 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Tax Return - 12 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 39916 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 130 | 15400.00 | 5 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 718 | 731 | 717 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 718 | XXXXXX | XXXXXX | 48.13 | 50.16 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 48.13 | 50.16 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 68966 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 63 | 6500.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 759 | 789 | 760 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 760 | XXXXXX | XXXXXX | 38.41 | 42.3 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5.44 | 5.44 | Fully Amortized | XXXXXX | XXXXXX | 38.41 | 42.3 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | P & L - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 20863 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 26 | 9500.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 624 | 666 | 663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 663 | XXXXXX | XXXXXX | 30.7 | 46.22 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.1 | 0.10 | Fully Amortized | XXXXXX | XXXXXX | 30.7 | 46.22 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D A | A D | D A | A | CPA Letter - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 47524 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 43 | 10500.00 | 7 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 777 | 773 | 701 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 773 | XXXXXX | XXXXXX | 13.56 | 32.51 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 53.33 | 53.33 | Fully Amortized | XXXXXX | XXXXXX | 13.56 | 32.51 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D A | A D | D A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 120 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 22236 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 35 | 10000.00 | 8 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 710 | 730 | 702 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 710 | XXXXXX | XXXXXX | 28.01 | 28.86 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 45.63 | 45.63 | Fully Amortized | XXXXXX | XXXXXX | 28.01 | 28.86 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 24715 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 136 | 4898.00 | 17 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 753 | 688 | 723 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 723 | XXXXXX | XXXXXX | 29.92 | 37.68 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 29.92 | 37.68 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 36 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 47726 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 258 | 9800.00 | 9 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 784 | 810 | 706 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 784 | XXXXXX | XXXXXX | 21.92 | 48.36 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 21.92 | 48.36 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 48 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 78563 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 188 | 16400.00 | 6 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 691 | 700 | 772 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 700 | XXXXXX | XXXXXX | 36.41 | 40 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 36.41 | 40 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 108 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 55278 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 237 | 20500.00 | 5 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 765 | 761 | 771 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 765 | XXXXXX | XXXXXX | 49.73 | 50.1 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5.86 | 5.86 | Fully Amortized | XXXXXX | XXXXXX | 49.73 | 50.1 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 84 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 75015 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 6 | No | Present | XXXXXX | 297 | 32200.00 | 16 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 739 | 764 | 714 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 737 | 776 | 747 | XXXXXX | XXXXXX | XXXXXX | 747 | XXXXXX | XXXXXX | 33.43 | 54.54 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5.84 | 5.84 | Fully Amortized | XXXXXX | XXXXXX | 33.43 | 54.54 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A B | A D | A B | A | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Personal Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 22906 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 218 | 24128.00 | 7 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 711 | 744 | 721 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 721 | XXXXXX | XXXXXX | 35.16 | 50.36 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 35.16 | 50.36 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 28935 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 266 | 20000.00 | 27 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 758 | 726 | 715 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 728 | 722 | 714 | XXXXXX | XXXXXX | XXXXXX | 726 | XXXXXX | XXXXXX | 36.2 | 49.83 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 36.2 | 49.83 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Personal Bank Statements - 12 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 90724 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 214 | 20000.00 | 6 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 806 | 808 | 811 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 808 | XXXXXX | XXXXXX | 46.77 | 50.03 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | XXXXXX | XXXXXX | 46.77 | 50.03 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | 1099 - 24 months;<br> Award Letter - 12 months;<br> Personal Bank Statements - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 23431 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 240 | 12000.00 | 12 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 679 | 678 | 698 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 636 | 632 | 633 | XXXXXX | XXXXXX | XXXXXX | 679 | XXXXXX | XXXXXX | 37.19 | 39.53 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.38 | 0.38 | Fully Amortized | XXXXXX | XXXXXX | 37.19 | 39.53 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | CPA Letter - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 34863 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 96 | 7200.00 | 1 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 755 | 775 | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 755 | XXXXXX | XXXXXX | 44.99 | 46.19 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.19 | 7.19 | Fully Amortized | XXXXXX | XXXXXX | 44.99 | 46.19 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | Business Bank Statements - 13 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 14102 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 286 | 34900.00 | 7 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 729 | 712 | 675 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 765 | 730 | 715 | XXXXXX | XXXXXX | XXXXXX | 712 | XXXXXX | XXXXXX | 31.82 | 38.61 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 14.09 | 14.09 | I/O Amount | XXXXXX | XXXXXX | 31.82 | 38.61 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Paystub - 25 months;<br> W2 - 12 months;<br> Written VOE - 25 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 69498 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 56 | 28168.00 | 10 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 705 | 701 | 712 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 705 | XXXXXX | XXXXXX | 19.64 | 50.47 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 29.46 | 29.46 | Fully Amortized | XXXXXX | XXXXXX | 19.64 | 50.47 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter without Income - 36 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 98128 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 208 | 17000.00 | 10 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 701 | 689 | 702 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 763 | 784 | 767 | XXXXXX | XXXXXX | XXXXXX | 765 | XXXXXX | XXXXXX | 36.18 | 50.34 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 21.49 | 21.49 | Fully Amortized | XXXXXX | XXXXXX | 36.18 | 50.34 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | C B A | B D A | C B A | B | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 37268 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 206 | 11000.00 | 6 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 794 | 784 | 786 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 786 | XXXXXX | XXXXXX | 37.37 | 44.93 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 15.44 | 15.44 | Fully Amortized | XXXXXX | XXXXXX | 37.37 | 44.93 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 180 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 72840 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 117 | 8000.00 | 5 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 793 | 800 | 793 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 793 | XXXXXX | XXXXXX | 35.48 | 36.45 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.18 | 0.18 | Fully Amortized | XXXXXX | XXXXXX | 35.48 | 36.45 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter - 108 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 55139 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 108 | 18000.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 803 | 797 | 794 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 797 | XXXXXX | XXXXXX | 39.25 | 39.54 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1.34 | 1.34 | Fully Amortized | XXXXXX | XXXXXX | 39.25 | 39.54 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 11 months;<br> CPA Letter - 36 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 47727 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 243 | 8000.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | 773 | 763 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 763 | XXXXXX | XXXXXX | 17.89 | 28.32 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.28 | 2.28 | Fully Amortized | XXXXXX | XXXXXX | 17.89 | 28.32 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 79716 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 122 | 20000.00 | 3 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 798 | 806 | 790 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 798 | XXXXXX | XXXXXX | 49.68 | 49.68 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 45.35 | 45.35 | Fully Amortized | XXXXXX | XXXXXX | 49.68 | 49.68 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 41395 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 292 | 70000.00 | 8 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 756 | 739 | 764 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 756 | XXXXXX | XXXXXX | 0 | 45.34 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.21 | 7.21 | Fully Amortized | XXXXXX | XXXXXX | 0 | 45.34 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 36 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 12316 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 37 | 7900.00 | 3 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 771 | 764 | 766 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 766 | XXXXXX | XXXXXX | 20.13 | 29.55 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 11.85 | 11.85 | Fully Amortized | XXXXXX | XXXXXX | 20.13 | 29.55 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 29 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 30199 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 110 | 34000.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 782 | 786 | 789 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 786 | XXXXXX | XXXXXX | 26.87 | 36.2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 12.48 | 12.48 | Qualifying Rate | XXXXXX | XXXXXX | 26.87 | 36.2 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 51744 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 163 | 17000.00 | 6 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 762 | 817 | 808 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 808 | XXXXXX | XXXXXX | 7.89 | 8.19 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.15 | 4.15 | Fully Amortized | XXXXXX | XXXXXX | 7.89 | 8.19 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |

---

## Exhibit 99.3

**Exhibit 99.3**

**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 newly originated mortgage loans acquired by Loan Funding Structure V LLC through a bulk purchase. The review included a total of 306 newly originated residential mortgage loans, in connection with the securitization identified as BRAVO 2026-NQM6 (the "Securitization"). Credit, Property Valuation, and Data Integrity reviews were performed on a population of 306 loans. Compliance review was performed on a population of 212 loans. The Review was conducted from January 2026 through May 2026 on mortgage loans originated between December 2025 and May 2026.

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

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;i. No t ice 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 r equired
parties to the transaction

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

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm through NMLS the loan originator and o r i ginating
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 (306 loans in total):

One hundred ninety-seven (197) loans had CU scores of 2.5 or less or were eligible for Collateral Rep and Warranty relief.

Seventy-one (71) loans had an AVM, ten (10) loans had a Secondary Appraisal, one-hundred thirty (130) loans had a Desk Review, three (3) loans had a Second Desk Review, three (3) loans had a Broker Price Opinion (BPO), and two (2) loans had a Field Review. Consolidated Analytics has independent access to the Desk Reviews ordered by the Aggregator.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the three hundred six (306) mortgage loans reviewed, two hundred eleven (211) unique mortgage loans (68.95% by loan count) had a total of four hundred thirty-one (431) discrepancies across thirty-seven (37) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;127 | &nbsp;&nbsp;29.47% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;50 | &nbsp;&nbsp;11.60% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;30 | &nbsp;&nbsp;6.96% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;27 | &nbsp;&nbsp;6.26% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;25 | &nbsp;&nbsp;5.80% |
| &nbsp;&nbsp;Monthly Total Escrow Payment | &nbsp;&nbsp;22 | &nbsp;&nbsp;5.10% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;21 | &nbsp;&nbsp;4.87% |
| &nbsp;&nbsp;T & I Payment | &nbsp;&nbsp;20 | &nbsp;&nbsp;4.64% |
| &nbsp;&nbsp;Mo Pymt (P&I) | &nbsp;&nbsp;12 | &nbsp;&nbsp;2.78% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.86% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.62% |
| &nbsp;&nbsp;Co Borrower First Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.39% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.39% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.39% |
| &nbsp;&nbsp;Co Borrower Last Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.39% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.39% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.39% |
| &nbsp;&nbsp;Escrows | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.16% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.16% |
| &nbsp;&nbsp;Qualifying Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.93% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.93% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.93% |
| &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Total Qualified Assets Available | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.70% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Total Liquid Assets Available For Close | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Loan Product Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.46% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.46% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.46% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.23% |
| &nbsp;&nbsp;PITIA | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.23% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.23% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.23% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.23% |
| &nbsp;&nbsp;Property No Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.23% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.23% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.23% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.23% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**431** | &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 | 268 | $159161154.00 | 87.58% |
| Event Grade B | 38 | $23803250.00 | 12.42% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 306 | $182964404.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 287 | 93.79% |
| Event Grade B | 19 | 6.21% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 306 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results: As applicable, 94 loans within population did not receive a Compliance Review** | **Compliance Results: As applicable, 94 loans within population did not receive a Compliance Review** | **Compliance Results: As applicable, 94 loans within population did not receive a Compliance Review** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 204 | 96.23% |
| Event Grade B | 8 | 3.77% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 212 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 293 | 95.75% |
| Event Grade B | 13 | 4.25% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 306 | 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;199 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Primary Residence and Rent-Free Scenario Missing or Defective | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;4 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Closing Documentation Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Asset Documentation Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Missing Business Entity Formation Document | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Assets do not meet guideline requirements | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;All Interested Parties Not Checked with Exclusionary Lists | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Closing Disclosure/Settlement Statement Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Entity Documentation - Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Background Check Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Missing income documentation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;The Note is Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Title Document is Partially Present | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Income/Employment General | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Flood Certificate Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Satisfactory Chain of Title not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Overdraft/NSF Count Exceeds Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Income 2 Months Income Verified is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 Non-US Citizen Identification Document Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Purchase Contract Expiration Date is prior to Note Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Verification of Borrower Liabilities Missing or Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower Contributions Do Not Met Guideline Minimum | &nbsp;&nbsp;1 |

---

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;Asset 2 Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing evidence Mortgage/Deed of Trust will be recorded | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;OFAC Check Not Completed and/or Cleared | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing evidence of self employment | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing final HUD-1 from sale of non-subject property | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Purchase Contract is Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Borrower 1 Business Bank Statements Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Borrower 1 Credit Report is Incomplete | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;The Deed of Trust is Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Asset 4 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;The Initial 1003 is Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Borrower 1 CPA Letter Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Title Document Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Condo Rider is Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;ATR: Reasonable Income or Assets Not Considered | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Credit Report Missing or Defective | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Note Missing or Defective | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;ATR Risk | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Insufficient Assets to Close | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***340*** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Loan does not conform to program guidelines | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Loan Amount is greater than Guideline Maximum Loan Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;DSCR Minimum Not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;General Eligibility | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower 1 Notes Receivable Missing | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Insufficient Assets to Close | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower Contributions Do Not Met Guideline Minimum | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Loan program disclosure | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Cash Out Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Delinquent Credit History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;DSCR is less than guideline minimum | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***20*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;103 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;25 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date 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;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Intent to Proceed is Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Missing Loan Estimate | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Partially Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;NY Subprime Home Loan Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Right of Rescission is Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;OK HOEPA Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CT Nonprime Home Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;RESPA Homeownership Counseling Organizations Disclosure Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Credit Score Disclosure (FACTA) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Loan Estimate Delivery Date Test (from application) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Initial Escrow Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Collateral Protection Notice is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;O.C.G.A. § 7-6a-2(12)(G)(ii) - Attorney Preference, Right to Choose Attorney disclosure was not provided | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***253*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;5 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;NJ HOSA 2004 High-Cost Home Loan Points and Fees Threshold Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***9*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;183 |
| &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;Property/Appraisal General | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Desk Review Variance > 10% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;FEMA Post Disaster Inspection Report not Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;HOA Questionnaire is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Was lowest appraised value used to qualify is No | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Condo Approval Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Flood Insurance Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No HOA fees on appraisal and property identified as a PUD | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property flood zone reflects property is in a Flood Zone but Special Flood Zone is marked No | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***207*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Desk Review Variance > 10% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;HOA Does Not Meet Guidelines | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Condo Approval Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property Type does not meet eligibility requirement(s) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***13*** |

---

**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 99.3

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **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)** |
| 75455 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/04/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 75455 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/04/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 75455 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/28/2026 | 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 XXX-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 XXX(a)(XXX)). Evidence of Appraisal Delivery to Borrower not Provided | Document Uploaded. Please see attached proof of delivery. Per UW: Form Name shows "XXX" which is for "Appraisal Package". Borrower email and sent date highlighted as well. | 03/03/2026 | Evidence of appraisal delivery provided. | 03/04/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 78140 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 78140 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 78140 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 33893 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.56% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 61.56% is less than Guideline LTV of 75% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 33893 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.56% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 61.56% is less than Guideline LTV of 75% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 33893 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.56% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 61.56% is less than Guideline LTV of 75% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 54783 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/22/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 54783 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 54783 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 91388 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 91388 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 91388 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 93421 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Acknowledged | FPRO1502 | Property | HOA Does Not Meet Guidelines | HOA Does Not Meet Guidelines The HOA does not meet requirements due to the borrower will be majority XXX of Condo with XXX% voting rights. XXXs require no more than XXX% of units owned by a single entity. Lender exception to proceed. |  |  | Lender exception provided supported by the following comp factors: High FICO and large reserves. Exception downgraded to a level 2/B. | 05/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 93421 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Due to litigation involving the primary residence, the payment history does not meet required XXX month pay history. A Lender exception is provided. |  |  | Lender exception provided supported by the following comp factors: High FICO and large reserves. Exception downgraded to a level 2/B. | 05/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 93421 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The loan application does not list assets for closing. Provide updated final loan application to reflect the source of funds for closing. | Document Uploaded. Uploading updated Final 1003 | 03/13/2026 | Asset Qualification Meets Guideline Requirements | 03/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 93421 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | The operating agreement reflects a second entity member. Provide a Unanimous Written Consent / Board authorizing the transaction and identifying the borrower to sign the loan documents on behalf of and to bind the entity. | We only require a UWC if it is required in the Operating Agreement, there was no requirement for this in the Operating Agreement. | 03/13/2026 | Confirmed per Op agreement, No UWC required. | 03/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 61298 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | The Operating agreement reflects additional member of the entity. Provide a Unanimous written consent / resolution authorizing the transaction. GL XX/XX/XXXX | We only require a UWC if it is required in the Operating Agreement, there was no requirement for this in the Operating Agreement. | 03/12/2026 | LLC Borrowing Authorization signed by borrower included on loan file on pg XXX is sufficient. | 03/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 61298 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Acknowledged | FPRO1502 | Property | HOA Does Not Meet Guidelines | HOA Does Not Meet Guidelines The HOA does not meet requirement due to XXX and borrower is purchasing XXX of XXX units. A Lender exception is in the file. |  |  | Compensating factors are high FICO and strong collateral | 03/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 61298 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements As a result of litigation the primary mortgage pay history does not meet guidelines. A Lender exception is in the file. |  |  | Compensating factors high Fico, large reserves. Per documentation in file, mortgage on borrower's primary residence was held by private individual. In XXX private individual place non-monetary default on borrower for adding domestic XXX to title to inititiate refinance with financial institution. During litigation period, Private party stopped accepting payments from borrower. Borrower refinanced with financial institution in XX/XX/XXXX reported on CR from XX/XX/XXXX to closing as XXX. Policy exception was waived to remove consideration of mortgage default supported by compensating factors. Additional documentation in file to support exception include: Copy of private Note, Copy of check receipts with date of issue to show no late payments on unapplied payments, Settlement Statement from XX/XX/XXXX to show payoff to private party, Confirmation from representing attorney, Order for dismissal with prejudice dated XX/XX/XXXX. | 03/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 37389 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Acknowledged | FCRE8201 | Credit | Loan does not conform to program guidelines | XX/XX/XXXX KG Because a single entity will control over XXX% of this Condo and XXX% voting rights, okay to proceed with all XXX units of condo provided XXX condition is met. Prior Lates/Litigation on Primary - CM Approved |  |  | Lender exception provided supported by the following comp factors: High FICO, strong collateral, larger reserves, Exception downgraded to a level 2/B. | 03/13/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 37389 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/13/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 37389 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/13/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 98021 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 98021 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 10066 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 10066 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 10066 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 94378 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Acknowledged | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The credit report reflects XXX mtg #XXX report through XX/XX/XXXX. All reported mortgages on credit should be considered in determining the mortgage rating. Provide proof the XX/XX/XXXX payment was made, expires at XXX days. GL XX/XX/XXXX | Document Uploaded. Uploading updated ULAW with comp factors | 03/13/2026 | Lender exception approval provided - Ok per JJ for missing XX/XX/XXXX payment. Comp factors XXX FICO, XX/XX/XXXX DSCR, significant reserves with cash out, subject C2 condition with kitchen and bathroom updated 03/16/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B C B C B A A A A C C A A C C A A C C A A C C A A C C A A B B A A B B A A B B A A B B A A B B A A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 94378 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 28268 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Potential Match on watchlist. The Lender Approval reflects the names are under review; Processor, Broker, XXX. Lender to clear | Document Uploaded. Uploading QC clearance | 03/24/2026 | All Interested Parties Checked against Exclusionary Lists | 03/25/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 28268 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/24/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 28268 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/24/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 98203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Resolved | FPRO0383 | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. Missing PDI for XXX Severe Winter Storm (EM-XXX-XXX) declared on XX/XX/XXXX. | Document Uploaded. Please review the PDI. | 03/11/2026 | FEMA Post Disaster Inspection report was provided. | 03/12/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 98203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Rescinded | FCRE1964 | Credit | Missing income documentation | Missing subject property rental income documentation supporting XXX months proof of rental income receipt. Have current lease agreement. Bank Statements in file do not reflect any deposits for XXX Per ULAW, using higher actual rents for DSCR calculation. Per guidelines, page XXX may use the higher of actual or market rents. Where actual rents exceed market rents, then evidence of actual rents must be documented via three (XXX onths proof of rental income receipt and lease agreement(s) to continue at a minimum of three XXX months after closing. | Document Uploaded. XXX used market rents from appraisal. ADU XXX per month + Main house XXX per month = XXX Uploading both XXX's | 03/04/2026 | Updated Market Rents for Main house and ADU per the form 1007s in the loan file. Rent receipts not required. | 03/05/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 18551 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 18551 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 97921 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/18/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 54.46% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.46% is less than Guideline CLTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 97921 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/18/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 54.46% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.46% is less than Guideline CLTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 97921 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/18/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 54.46% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.46% is less than Guideline CLTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 27571 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Acknowledged | FCRE9992 | Credit | Borrower Contributions Do Not Met Guideline Minimum | Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX% Guidelines require the borrower must contribute a minimum of XXX% when receiving a gift; however, documentation in file only verifies the borrower contributed XXX which is XXX%. | Document Uploaded. Uploading updated ULAW with comp factors | 03/16/2026 | Lender exception approval provided - Ok per JJ for not meeting minimum contribution. Comp factors 70% LTV, positive DSCR, subject C1 condition with a major builder. | 03/17/2026 | 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 |
| 27571 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/16/2026 | 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 |
| 53306 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Acknowledged | FPRO0951 | Property | Condo Approval Missing | Condo Approval Missing. Please Provide Condo approval in the loan file | Please update Status as XXX Acknowledges 2/B grading | 03/24/2026 | Per lender - Please update Status as XXX Acknowledges 2/B grading. | 03/25/2026 | D B A | A | A D B | A D B | A D B | A D B | A D B | A B | A B | A B | A B | A B | A |
| 53306 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | FCOM1224 | Credit | Condo Rider is Missing | Condo Rider is Missing | Document Uploaded. Closing Package with Condo Rider uploaded | 03/24/2026 | The Condo Rider is Present | 03/25/2026 | D B A | A | A D B | A D B | A D B | A D B | A D B | A B | A B | A B | A B | A B | A |
| 53306 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/24/2026 | D B A | A | A D B | A D B | A D B | A D B | A D B | A B | A B | A B | A B | A B | A |
| 61510 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/09/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 13.89% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 13.89% is less than Guideline LTV of 75% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 61510 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/09/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 13.89% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 13.89% is less than Guideline LTV of 75% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 63660 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The contract reflects XXX EMD. The EMD receipt is for XXX The XXX Statement reflects XXX XXX funds transferred to XXX Title on XX/XX/XXXX. Provide a copy of the EMD wire (amount must match receipt), and addendum to contract reflecting EMD is XXX | The XXX difference is the wire fee, which is a common charge for incoming international wires. XXX is fine with accepting what was provided, and nothing further is needed. | 03/11/2026 | Asset Qualification Meets Guideline Requirements | 03/12/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 63660 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/10/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 44524 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The co-borrower XXX is not a member of the entity. The subject vesting should reflect XXX. | Document Uploaded. Uploaded signed docs for clearance | 04/21/2026 | Property Title Issue Resolved | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 44524 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraisal reflects the subject is a XXX family attached property; however, the photos shows the subject is detached. Provide updated appraisal to reflects subject as detached. The subject is zoned legal nonconforming (XXX use). Provide XXX% rebuild Statement. GL XX/XX/XXXX | Appraiser comments at bottom of site section on the XXX State it can be rebuilt per City of XXX. We are considering the check box error to be a mere typo as we can clearly see it is a detached dwelling. | 03/20/2026 | Property/Appraisal Meets Guidelines | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 44524 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete The Loan application reflects, non-entity member; XXX as a co-borrower. Provide the Note signed by XXX. | Document Uploaded. Uploaded signed docs for clearance | 04/21/2026 | The Note is Present | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 44524 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete The Loan Application reflects; non-entity member; XXX as a co-borrower. Provide the Deed of Trust signed by XXX. | Document Uploaded. Uploaded signed docs for clearance | 04/21/2026 | The Deed of Trust is Present and Complete | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 44524 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The credit report reflects mortgages #XXX and #XXX with XXX reported through XX/XX/XXXX. All mortgages reported on the credit report must be current (expires at XXX days). Provide proof of payment XX/XX/XXXX. GL XX/XX/XXXX | These two mortgages belong to XXX other rental properties, Sec XX/XX/XXXX allows us to skip ratings on non-subject REOs.; These two mortgages belong to XXX other rental properties, Sec XX/XX/XXXX allows us to skip ratings on non-subject REOs. | 03/20/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 46300 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/10/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 53.28% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.28% is less than Guideline CLTV of 75% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 46300 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/10/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 53.28% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.28% is less than Guideline CLTV of 75% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 93087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 93087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 32553 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Acknowledged | FVAL5981 | Property | XXX does not meet eligibility requirement(s) | The subject is the 3rd unit in the same XXX having a mortgage by XXX. The maximum number of loans is limited to two. GL XX/XX/XXXX | Document Uploaded. Uploading updated ULAW with comp factors | 03/25/2026 | Lender exception approval provided - Ok per JJ for 3rd unit in same condo association to same borrower. Comp factors XXX FICO, XX/XX/XXXX DSCR, XXX mos. reserves, subject C3 condition with kitchen and bathrooms updated 03/26/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B C B A A C B A A C A C A C A C A C A C A C A C A C A C A B A B A B A B A B A B A B A B A B A B A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 32553 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 32553 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 59386 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | FCRE1205 | Credit | OFAC Check Not Completed and/or Cleared | OFAC Check Not Completed and/or Cleared Participant name is on the OFAC watchlist. Lender to clear. | Document Uploaded. Uploading updated approval with cond #XXX added and signed off. | 03/09/2026 | OFAC Check Completed and Cleared | 03/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 59386 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraisal reflects the subject is zoned legal non-conforming (grandfather use). Appraiser to verify the subject/ structure can be rebuilt, as is, if destroyed. | Document Uploaded. Uploading corrected appraisal showing legal zoning. | 03/09/2026 | Property/Appraisal Meets Guidelines | 03/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 59386 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The property report for XXX shows a mortgage with XXX for XXX Provide the most recent XXX months pa history or proof of satisfaction. | Document Uploaded. Uploading updated ULAW with comp factors. | 03/09/2026 | Lender exception approval provided - Ok per JJ to waive primary rating, comp factors, XXX FICO, XXX DSCR, significant reserves after closing, comparable sales have a very low average DOM. | 03/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 59386 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements A copy of the XXX EMD deposit is provide. Provide the certified EMD receipt. | Document Uploaded. Uploading bank Statement showing the XXX cleared to the closer and the screenshot for the XXX was actually provided by the closer, very fine print on the bottom, so this doc will serve as the EDR. | 03/09/2026 | Asset Qualification Meets Guideline Requirements | 03/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 17820 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/25/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.69% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 53.69% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 17820 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/25/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.69% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 53.69% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 17820 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/25/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.69% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 53.69% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 34230 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.84% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 47.84% is less than Guideline LTV of 75% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 34230 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.84% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 47.84% is less than Guideline LTV of 75% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 34230 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.84% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 47.84% is less than Guideline LTV of 75% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 35902 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.58% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 29.58% is less than Guideline LTV of 75% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 35902 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.58% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 29.58% is less than Guideline LTV of 75% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 35902 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Acknowledged | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX The minimum DCSR for a XXX Condo is XXX Lender exception in the file. |  |  | Lender exception in file for DSCR supported by the following compensating factors: low LTV and good FICO. Exception downgraded to a level 2/B. | 03/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.58% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 29.58% is less than Guideline LTV of 75% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 74041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 55% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55% is less than Guideline CLTV of 65% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 74041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 55% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55% is less than Guideline CLTV of 65% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 78765 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The subject is purchased as an investment property. Provide a XXX with photos. | Please review page XXX and beyond of the appraisal for the XXX comp photos, etc. | 03/16/2026 | Property/Appraisal Meets Guidelines | 03/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 78765 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 83034 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 83034 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 83034 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 59919 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | FCRE9992 | Credit | Borrower Contributions Do Not Met Guideline Minimum | Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX% The borrower is required to contribute XXX% of own sourced and seasoned funds ($XXX). The total gifts received = XXX and funds to close = XXX the borrower contribution does not meet requirements. | Document Uploaded. Uploading Final HUD from refi. Borrower received XXX% XXX of the proceeds from the cash out refinance with his brother XXX. Borrower meets the minimum contribution requirement as he only used XXX of the gift from the brother and $XXX gift from spouse | 03/13/2026 | Audit used XXX for gift funds. Subtracted XXX from XXX #XXX bal of $$XXX.; Borrower Contributions Meet Guidelines | 03/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 59919 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | FCRE1482 | Credit | Asset 4 Does Not Meet Guideline Requirements | Asset 4 Does Not Meet Guideline Requirements A gift letter from spouse for XXX from XXX #XXX is in the file. A copy of a XXX cashiers check with remitter name matching spouse is in the file. Provide a copy of the XXX #XXX bank Statement to proof source of funds match gift letter. | Document Uploaded. Uploading XXX withdrawal details | 03/13/2026 | Asset 4 Meets Guideline Requirements Or XXX | 03/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 59919 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The credit report reflects XXX Heloc #XXX reported through XX/XX/XXXX. All reported mortgages are considered in determining mortgage rating. Provide proof XXX /XXX was paid. | Document Uploaded. Credit reports XXX as closed. Uploading Final HUD from refi showing XXX being paid off. New mortgage payment not reporting yet and therefore VOM is not required | 03/13/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | 03/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 59919 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Acknowledged | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The Settlement Statement reflects XXX seller contribution. Provide the addendum to the contract to reflect the seller paid closing costs. |  |  | Exception is non-material and graded as level 2/B. | 03/13/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 59919 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/13/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 91969 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check XXX with exclusionary lists. | Document Uploaded. Submitted DV for clearance | 03/27/2026 | All Interested Parties Checked against Exclusionary Lists | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 91969 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Acknowledged | FCOM8804 | Credit | Missing Loan program disclosure | Provide Loan Agreement and Business Purpose Disclosure signed by the Co-borrower. | Please update Status as XXX Acknowledges 2/B grading | 03/24/2026 | Per Lender - Please update Status as XXX Acknowledges 2/B grading | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 91969 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2026 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete The entity is owned by both borrowers; however, Borrower 2 did not sign the Note. Provide Note signed by XXX. | G1 is signing as the XXX of XXX and the Operating Agreement for it specifically allows either party to act on behalf of the company, including the power to sign and borrow in the name of the company, per Sec XX/XX/XXXX & XXX(XXX), PG XXX-XXX. Uploading for review as G2 is only signing as a guarantor since G1 is signing as the XXX. | 03/24/2026 | The Note is Present | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 91969 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2026 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete The Entity is owned by both borrowers; however, the Deed of Trust is not signed by B2. Provide the Deed of Trust signed by XXX. | Document Uploaded. G1 is signing as the XXX of XXX and the Operating Agreement for it specifically allows either party to act on behalf of the company, including the power to sign and borrow in the name of the company, per Sec XX/XX/XXXX & XXX(XXX), PG XXX-XXX. Uploading for review as G2 is only signing as a guarantor since G1 is signing as the XXX. | 03/24/2026 | The Deed of Trust is Present and Complete | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 91969 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 91969 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 31297 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Acknowledged | FCRE8201 | Credit | Loan does not conform to program guidelines | Lender Approved Exception - I waived the payoffs for the collections items. They were waived on the consumer transaction by XXX so I went ahead and also waived it on our loan - from XXX. Please provide compensating factors | Document Uploaded. Uploading updated ULAW with comp factors; Need TPR to clarify what they need for this finding and where they see the lender approved exception | 03/26/2026 | Lender exception approval with comp factors provided - Ok per XXX. to waive payoff of collections. Comp factors significant reservesafter closing, perfect mortgage history, subject C3 condition, comparable sales have a low average DOM.; Exception email to waive payoff of collections items on page XXX in loan file. Compensating factors are needed for this exception.; | 03/27/2026 | Borrower has stable job time - Borrower has XXX years on job. D C A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 31297 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing Final CD for O/O refi with XXX for XXX, XXX, supporting new monthly total mortgage payment of XXX and includes XXX. | Document Uploaded. Uploading 1st payment letter | 03/25/2026 | Lender provided First Payment Letter to confirm PITI for primary residence. | 03/26/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 31297 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/25/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 31297 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/25/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 66671 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The source of funds for closing should be reflected on the final loan application. Provide final loan application to reflect the source of funds to close. GL XX/XX/XXXX | Document Uploaded. Uploading updated 1003 | 03/11/2026 | Asset Qualification Meets Guideline Requirements | 03/12/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 42.74% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.74% is less than Guideline CLTV of 80% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 66671 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 42.74% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.74% is less than Guideline CLTV of 80% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 47397 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing hazard insurance for O/O property at XXX. Per new XXX mortgage Statement, the loan is not escrowed. DTI to be re-calculated when received. | Document Uploaded. Uploading hazard policy for OO property. | 04/06/2026 | Lender provided Primary HOI document. | 04/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 47397 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Acknowledged | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Auditors DTI increased due to inaccurate calculation of B1 self employment income, N/O subject REO rent loss calculation and O/O total monthly mortgage payment calculation. Bank Statement calculator indicates income was calculated with non-considered deposits of XXX however the total non-considered deposits are XXX (Lender did not exclude Rippling Instant pmnt in XX/XX/XXXX, one time half child support in XX/XX/XXXX and XXX@ XXX acctverifies in XX/XX/XXXX) and the Lender used XXX% as opposed to the XXX% expense ratio reflected on the CPA letter. Therefore, the Auditor used XXX month bank Statement average income of $XXX/per month. The Lender used XXX% of the XXX rental income to off set the PITIA of the N/O subject purchase, however the subject is not a departure property in order to utilize XXX% The Lender did not correctly calculate the Borrowers O/O total monthly mortgage payment - the Lender only used the new XXX P&I payment only of $XXX/per month and did not include property taxes and hazard insurance in the total monthly mortgage payment. Per new XXX Statement, the loan is not escrowed. Did not receive documentation to include hazard insurance in Auditor calculation of $XXX/per month. | Document Uploaded. Disregard Reed2 ULAW, Uploading updated ULAW (Reed3) with comp factors and moving to No Ratio DSCR.; Document Uploaded. Uploading updated ULAW with comp factors. | 04/06/2026 | Lender exception approval provided - Ok per JJ to change to No Ratio DSCR post-close at 80% LTV, comp factors, XXX FICO, no negative credit reporting at all, borr S/E XXX years, significant reserves after closing, subject in C3 condition with some recent updating. | 04/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 47397 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Missing documentation to support that B1 does not have any property ownership in XXX XXX as an undisclosed property. Per Fraud report, current XXX is XXX. | Document Uploaded. Uploading XXX showing borrower does not own this property | 03/24/2026 | All Fraud Report Alerts have been cleared or None Exist | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 47397 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 47397 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 23263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. Missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. please see econsent | 02/17/2026 | Evidence of eConsent is provided. | 02/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 23263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a A. |  |  | Informational | 02/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 23263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 23263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 87346 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide a third party review product | Document Uploaded. Desk review uploaded for review | 03/23/2026 | Third party valuation product provided within tolerance. | 03/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 87346 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 87346 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 25331 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/18/2026 | 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) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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 | 02/19/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 25331 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/19/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 25331 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/19/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86209 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required to clear exception, 1st eSigned document in the file is dated XX/XX/XXXX, missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 02/20/2026 | Evidence of eConsent is provided. | 02/22/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 86209 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/19/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 86209 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/19/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/19/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 17879 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/09/2026 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Approval reflects a PITIA of XXX but the 1003 reflects a PITIA of $XXX. Need the final approval to match the Final 1003 and final CD. | Document Uploaded. | 02/10/2026 | Documentation is sufficient. Updated approval provided. Exception resolved.; Approval/Underwriting Summary is fully present; Approval/Underwriting Summary Partially Provided. Approval reflects a PITIA of XXX but the 1003 reflects a PITIA of $XXX. Need the final approval to match the Final 1003 and final CD. | 02/11/2026 | B A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 17879 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/09/2026 | B A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 17879 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/06/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/09/2026 | B A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 48832 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.39% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 48.39% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 48832 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.39% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 48.39% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 48832 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.39% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 48.39% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 94724 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.68% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 58.68% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 94724 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.68% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 58.68% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 94724 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.68% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 58.68% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 28094 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 28094 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 28094 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 56296 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 56296 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 56296 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 26966 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. XXX reflects a PITIA of, XXX and Total Borrower Income of, $XXX. Underwriting Final Approval reflects a PITIA of, XXX and Total Income of, $XXX. A XXX and Underwriting Final Approval with matching PITIA of, XXX Total Income of, XXX and matching Total Obligations is required. | Document Uploaded. The income is not XXX - it's XXX. The final approval has been amended but the XXX is correct.; Document Uploaded. | 02/23/2026 | Documentation provided is sufficient. XXX and approval provided. Exception resolved.; Approval/Underwriting Summary is fully present; Final income of XXX and a PITIA of XXX should be reflected on the approval and XXX Exception remains. | 02/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 26966 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 26966 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 35693 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 34% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 35693 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 34% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 35693 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 34% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 55427 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 55427 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 55427 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 53237 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/21/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 53237 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 53237 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 18133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/19/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 39.22% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.22% is less than Guideline CLTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 18133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/19/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 39.22% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.22% is less than Guideline CLTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 18133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/19/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 39.22% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.22% is less than Guideline CLTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 32861 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/21/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/24/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 32861 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/24/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 32861 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/24/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 32861 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/24/2026 | Resolved | FCRE1241 | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing |  |  | Purchase Contract Doc is not Missing, or is XXX. | 02/24/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 51560 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/20/2026 | Acknowledged | FCRE1199 | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of XXX is greater than the Guideline Maximum Loan Amount of XXX The subject Note amount is, $XXX. Guideline maximum loan amount, $XXX. Present in the loan file is a Lender Approved Exception, permitting loan consummation for a loan amount exceeding guidelines by, $XXX. The Lender identified the following compensating factors for exception approval: XXX credit history with minimal use of consumer credit(oldest, open tradeline is, XXX, revolving balances are XXX% of credit limits and the qualifying credit score is, XXX), significant residual income($XXX) and excessive reserves(minimum required reserves are, XXX actual available reserves post close, $XXX). Acknowledged and downgraded. |  |  | Lender exception provided for loan amount supported by the following compensating factors: XXX credit history with minimal use of consumer credit (oldest, open tradeline is, XXX, revolving balances are XXX% of credit limits and the qualifying credit score is, XXX), significant residual income($XXX) and excessive reserves (minimum required reserves are, XXX actual available reserves post close, $XXX); | 06/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 51560 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/20/2026 | Resolved | FCRE7495 | Credit | Verification of Borrower Liabilities Missing or Incomplete | The Final 1003 reflects a total PITIA of, XXX for the retained, departing residence, XXX. The 1st lien Statement reflects a PITIA of, $XXX. The Hazard Policy indicates a 2nd mortgage with XXX, loan number, XXX-XXX. No 2nd mortgage details in file. Documentation is required to validate the PITIA for the retained, departing residence, XXX XXX., including additional lien payments or expenses. DTI subject to re-calculation, upon receipt. | Document Uploaded. ; Document Uploaded. This HELOC is at a XX/XX/XXXX balance, DLA is XX/XX/XXXX as shows on XX/XX/XXXX credit report. There would be not activity Statement, this has been at XX/XX/XXXX balance with no activity since October. Please rescind. | 02/26/2026 | Documentation is sufficient. Updated XXX 1003 and approval provided. Exception resolved.; The mortgage Statement reflects taxes and insurance are escrowed, so included in the XXX payment. Explanation is needed for the XXX amount listed on the 1003 which brings the payment to $XXX. Documentation not evident to support the listed payment. Exception remains. | 02/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 51560 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/23/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 51560 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/22/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/23/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 40408 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/19/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 40408 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/19/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 40408 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 50606 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/21/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 50606 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 50606 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 76037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/21/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 76037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 76037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 81891 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | 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) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | 02/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 81891 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 81891 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84242 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/19/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84242 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/19/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84242 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/19/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 30946 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 30946 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 30946 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 46502 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 46502 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 46502 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 23323 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 23323 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 23323 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 33930 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met |  |  | Informational | 02/24/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 33930 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/24/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 33930 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/24/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12229 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/23/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12229 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/23/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12229 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/22/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/23/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 60385 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/24/2026 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Total debt consisting of REO liabilities, revolving liabilities and new subject property = $XXX. XXX and approval reflect total liabilities of $XXX. Please provide updated and matching approval and XXX | Document Uploaded. | 02/25/2026 | Documentation is sufficient. Updated approval and XXX provided. Exception resolved.; Approval/Underwriting Summary is fully present | 02/26/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 46.37% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.37% is less than Guideline CLTV of 90% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 60385 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/21/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/24/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 46.37% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.37% is less than Guideline CLTV of 90% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 60385 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/24/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 46.37% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.37% is less than Guideline CLTV of 90% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 44747 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX 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 XXX business days prior to consummation on XX/XX/XXXX. The Loan Detail report dated XX/XX/XXXX (pg. XXX) States the Changed Circumstances resulted in re-disclosures on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, none of these disclosures or their corresponding Changes of Circumstances (COC's) are found in the loan file (with the exception of the COC dated XX/XX/XXXX). Please provide all of the LE's, CD's and COC's. Additional testing will take place. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he 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. | Document Uploaded. Please see attached initial CD issued XX/XX/XXXX, in addition to other redisclosed LE's (XX/XX/XXXX, XX/XX/XXXX), COC's and CD's (XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX). | 04/21/2026 | Initial CD provided; exception resolved ; Initial CD provided; exception resolved | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.94% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 69.94% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 44747 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | 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 XXX-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 XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Document Uploaded. Please see attached evidence of appraisal delivery to the borrower on XX/XX/XXXX. | 04/21/2026 | Evidence of appraisal delivery provided. | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.94% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 69.94% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 44747 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Arc does not have any affiliate relationships or a direct or beneficial ownership interest in any recommended providers, therefore an Affiliated Business Disclosure is not required nor issued. | 04/16/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.94% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 69.94% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 44747 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Document Uploaded. Attached the Fraud Report. Please Clear. | 04/03/2026 | Lender provided a third party fraud report. All high alerts have been addressed. Condition cleared. ; Third Party Fraud Report is provided | 04/06/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.94% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 69.94% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 87898 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing Missing title report as well as evidence of the Liens mentioned in lender loan approval. Will need evidence all liens and judgements paid by close. | Document Uploaded. See attached Prelim Title dated XX/XX/XXXX that omitted Item #XXX. Please cancel | 04/24/2026 | Lender provided the title commitment for the subject property. Policy amount $XXX. ; Title Document is fully Present | 04/27/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 87898 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  | Attestation received confirming no affiliates. Finding resolved. | 04/21/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 87898 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 58244 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | 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) he 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. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX 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 XXX business days prior to consummation on XX/XX/XXXX. | Document Uploaded. COC with ICD issued via XXX eSign XX/XX/XXXX – viewed & completed by borrower same day – XX/XX/XXXX – issued via eSign and executed by the borrower. ICD was issued and received more than three XXX business days prior to consummation on XX/XX/XXXX. XXX eSign Certificate is attached to the ICD. | 04/20/2026 | Initial CD received - exception resolved; Initial CD received - exception resolved | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.75% is less than Guideline CLTV of 60% \| XXX is Below the Guideline Maximum - Calculated LTV of 33.75% is less than Guideline LTV of 60% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C | C | C | C | C A | A | A | A | A | A |
| 58244 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to $XXX. The loan is missing the Initial CD and all subsequent CD's with the exception of the Final CD. Provide all missing CD's and COC's, additional testing will be completed upon receipt. | Document Uploaded. There were two XXX valid COC's issued pertaining to the lender credit – COC with Executed ICD – issued XX/XX/XXXX – increased loan amount – changed to XXX & COC with CD issued XX/XX/XXXX – rate lock extension – changed to $XXX. There is no tolerance violation on this transaction for the lender credit. COC's & CD's attached. There was a valid COC issued with Executed ICD – XX/XX/XXXX – pertaining to the Originator Compensation - increased loan amount – changed from XXX to XXX & Transfer Taxes – changed from XXX to XXX There is no tolerance violation on this transaction for the Originator Compensation, or Transfer Taxes. There was a valid COC issued with CD XX/XX/XXXX – pertaining to the credit report – a new credit report was required due to current credit report expiring – changed from XXX to $XXX. The increased fee was above the charges on the credit invoices in the amount of XXX – a tolerance cure in the amount of XXX was issued to the borrower. LOX, PCCD, Copy of Refund Check, USPS Priority Shipping Label & USPS Tracking Proof of Delivery attached. Total tolerance cure issued in the amount of XXX – for – Credit Report XXX & XXX for increase in title/settlement fees due to missing SSPL – fees subject to XXX% tolerance - technical issue has been addressed by Arc. All COC's & CD's attached. | 04/20/2026 | Initial CD received - exception resolved | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.75% is less than Guideline CLTV of 60% \| XXX is Below the Guideline Maximum - Calculated LTV of 33.75% is less than Guideline LTV of 60% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C | C | C | C | C A | A | A | A | A | A |
| 58244 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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 $xx x; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from $XXX to XXX broker fee, XXX to XXX credit report and XXX to XXX transfer taxes. The loan is missing the Initial CD and all subsequent CD's with the exception of the Final CD. Provide all missing CD's and COC's, additional testing will be completed upon receipt. | Document Uploaded. There were two XXX valid COC's issued pertaining to the lender credit – COC with Executed ICD – issued XX/XX/XXXX – increased loan amount – changed to XXX & COC with CD issued XX/XX/XXXX – rate lock extension – changed to $XXX. There is no tolerance violation on this transaction for the lender credit. COC's & CD's attached. There was a valid COC issued with Executed ICD – XX/XX/XXXX – pertaining to the Originator Compensation - increased loan amount – changed from XXX to XXX & Transfer Taxes – changed from XXX to XXX There is no tolerance violation on this transaction for the Originator Compensation, or Transfer Taxes. There was a valid COC issued with CD XX/XX/XXXX – pertaining to the credit report – a new credit report was required due to current credit report expiring – changed from XXX to $XXX. The increased fee was above the charges on the credit invoices in the amount of XXX – a tolerance cure in the amount of XXX was issued to the borrower. LOX, PCCD, Copy of Refund Check, USPS Priority Shipping Label & USPS Tracking Proof of Delivery attached. Total tolerance cure issued in the amount of XXX – for – Credit Report XXX & XXX for increase in title/settlement fees due to missing SSPL – fees subject to XXX% tolerance - technical issue has been addressed by Arc. All COC's & CD's attached. | 04/20/2026 | Initial CD received, revised CD and Cure package provided to the borrower prior to third party review, exception resolved; Initial CD received, revised CD and Cure package provided to the borrower prior to third party review, exception resolved | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.75% is less than Guideline CLTV of 60% \| XXX is Below the Guideline Maximum - Calculated LTV of 33.75% is less than Guideline LTV of 60% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C | C | C | C | C A | A | A | A | A | A |
| 58244 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | 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 XXX-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 XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Document Uploaded. Evidence of Appraisal Delivery to Borrower - The XXX Report is showing the appraisal report delivered to the borrower via e-mail on XX/XX/XXXX, which is more that three XXX business days prior to consummation on XX/XX/XXXX. | 04/17/2026 | Evidence of appraisal delivery provided. | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.75% is less than Guideline CLTV of 60% \| XXX is Below the Guideline Maximum - Calculated LTV of 33.75% is less than Guideline LTV of 60% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C | C | C | C | C A | A | A | A | A | A |
| 58244 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FCOM3608 | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. Please provide either a signed intent to proceed document or provide the date the borrower gave the lender/broker their intent to proceed. | Document Uploaded. Audit History in XXX & Action Log in XXX eSign Console show Initial Disclosure Package issued XX/XX/XXXX - printed & sent via USPS to Borrower 1/XX/XX/XXXX - three XXX business days from date of application - Manual Fulfillment completed XX/XX/XXXX | 04/15/2026 | Proof of Intent to Proceed has been provided. The intent to proceed is missing.; ITP provided, exception resolved. | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.75% is less than Guideline CLTV of 60% \| XXX is Below the Guideline Maximum - Calculated LTV of 33.75% is less than Guideline LTV of 60% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C | C | C | C | C A | A | A | A | A | A |
| 58244 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Arc does not have any affiliated businesses, disclosure is not required | 04/16/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.75% is less than Guideline CLTV of 60% \| XXX is Below the Guideline Maximum - Calculated LTV of 33.75% is less than Guideline LTV of 60% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C | C | C | C | C A | A | A | A | A | A |
| 58244 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The loan was approved using XXX months of business bank Statements. The XXX XXX Statement (pg. XXX) covers XX/XX/XXXX–XX/XX/XXXX, leaving XX/XX/XXXX–XX/XX/XXXX missing; please provide a complete Statement covering XX/XX/XXXX–XX/XX/XXXX. | Document Uploaded. ; Document Uploaded. | 04/13/2026 | Income and Employment Meet Guidelines. Lender provided the complete Statements covering XX/XX/XXXX–XX/XX/XXXX. Condition Cleared.; Audit reviewed the lender's response. The XXX XXX Statement (pg. XXX) covers XX/XX/XXXX–XX/XX/XXXX, leaving XX/XX/XXXX–XX/XX/XXXX missing; please provide a complete Statement covering XX/XX/XXXX–XX/XX/XXXX. Condition retained. | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.75% is less than Guideline CLTV of 60% \| XXX is Below the Guideline Maximum - Calculated LTV of 33.75% is less than Guideline LTV of 60% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C | C | C | C | C A | A | A | A | A | A |
| 58244 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. Attached the CDA supporting the appraised value. The CDA reflects a value of XXX which matches the appraised value of XXX resulting in a XXX% variance and confirming the appraisal is fully supported within tolerance. The report also indicates a XXX score with no additional review recommended. Please Cancel. | 04/03/2026 | Third party valuation provided within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. | 04/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.75% is less than Guideline CLTV of 60% \| XXX is Below the Guideline Maximum - Calculated LTV of 33.75% is less than Guideline LTV of 60% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C | C | C | C | C A | A | A | A | A | A |
| 28805 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 03/31/2026 | Resolved | FCRE1342 | Credit | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements Missing XXX Bank Statements in file are illegible and missing monthly and line by line deposit data points. Need XXX months of business bank Statements. | Document Uploaded. Uploaded the XXX Months of Bank Statements.; Document Uploaded. See attached Business Bank Statement for XXX months XX/XX/XXXX to XX/XX/XXXX. Please clear. | 04/21/2026 | Borrower 1 XXX months Business Bank Statements Provided. Condition cleared.; PDF failed to load. Please resend. Condition retained. | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 28805 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/01/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or did not make a referral to an affiliate | Arc does not have any affiliate relationships or a direct or beneficial ownership interest in any recommended providers, therefore an Affiliated Business Disclosure is not required nor issued. | 04/16/2026 | Required Affiliated Business Disclosure Documentation Provided.; Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or did not make a referral to an affiliate | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 28805 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 03/31/2026 | Resolved | FCRE1468 | Credit | Asset 2 Missing | Asset 2 Missing Missing XXX Statement supporting assets of XXX. | Document Uploaded. See attached XXX Bank Statement for acct XXX that support the XXX in assets. Please clear. | 04/14/2026 | Lender provided the XXX Bank Statement for acct XXX that support the XXX in assets. Condition cleared. | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 28805 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 03/31/2026 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Credit report shows mortgage for subject property was transferred from XXX in XX/XX/XXXX, however credit does not report payment history of new Lender XXX. Lender provided XXX Statements for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, however missing verification of XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX through XX/XX/XXXX. | Document Uploaded. See attached Mortgage Statements from XX/XX/XXXX to XX/XX/XXXX. Please clear. | 04/14/2026 | Lender provided the mortgage history from XX/XX/XXXX to XX/XX/XXXX showing no late payments. Condition cleared. | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 28805 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 03/31/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 28805 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/01/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established XXX and met appraisal requirements, therefore, downgraded to grade A. |  |  | Informational | 04/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 19184 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  | Attestation received confirming no affiliates. Finding resolved. | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 19184 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPM compliant- Appraisal requirement met. |  |  | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 19184 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 19184 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 22944 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  | Attestation received confirming no affiliates. Finding resolved. | 04/21/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 22944 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/13/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 22944 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/13/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 52116 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Please provide Affiliated Business Disclosure |  |  | Attestation received confirming no affiliates. Finding resolved. | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 52116 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 52116 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 30563 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. | Document Uploaded. | 04/22/2026 | Documentation is sufficient. Credit report provided. Exception resolved.; Borrower 1 Credit Report is not partially present. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 30563 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  | Attestation received confirming no affiliates. Finding resolved. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 30563 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 30563 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a A. |  |  | Informational | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 25444 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a A. |  |  | Informational | 04/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 25444 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/24/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 25444 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/24/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 29419 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/09/2026 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the XXX, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Missing PDI for XXX XXX Ball Fire (FM-XXX-XXX) declared on XX/XX/XXXX. | Document Uploaded. Please review the PDI. | 03/13/2026 | Property Inspection Provided. | 03/16/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 29419 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/09/2026 | Resolved | FPRO0383 | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. Missing PDI for XXX XXX Ball Fire (FM-XXX-XXX) declared on XX/XX/XXXX. | Please review the PDI from the other finding. | 03/13/2026 | FEMA Post Disaster Inspection report was provided. | 03/16/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 29419 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/09/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing new mortgage Statement for XXX, XXX, XXX refinance with XXX supporting new monthly mortgage total payment of $XXX/per month including escrow. Only received refinance HUD/Settlement Statement. | Document Uploaded. Uploading 1st payment letter, tax cert and HOI | 03/10/2026 | Lender provided PITI docs to confirm REO expenses, which is slightly higher than when lender used XXX resulting in Net REO of $-XXX. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 29419 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/09/2026 | Resolved | FCRE5809 | Credit | Missing evidence of self employment | Missing current business license search for XXX. Only received CPA letters supporting XXX% ownership for XXX and XXX (operating for these respective years). | Document Uploaded. Uploading current biz license search | 03/10/2026 | ; Lender provided the Franchise Tax Account Status as evidence of business entity status. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 29419 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | 03/09/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 53643 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | FCRE1293 | Credit | Income 2 Months Income Verified is Missing | Income 2 Months Income Verified is Missing The Lender qualified the co-borrower with full doc income from employment with XXX. Provide XXX month pay stub, XXX years W-2 or WVOE. | Document Uploaded. Uploading WVOE | 03/02/2026 | Income 2 Months Income Verified is Present Or XXX | 03/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 53643 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Acknowledged | FCRE1492 | Credit | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements The CD reflects cash out of $XXX. The maximum allowed cash out for an 80% LTV is XXX A Lender exception to XXX cash to borrower is in the file. Provide XXX compensating factors. | Document Uploaded. Uploading updated ULAW with comp factors | 03/02/2026 | Lender exception approval with comp factors provided - Ok per KG for over XXX cash out. Comp factors XXX FICO, substantial REO portfolio. | 03/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 53643 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The subject was purchased XX/XX/XXXX, existing mortgage opened XX/XX/XXXX; mortgage payments for XX/XX/XXXX - XX/XX/XXXX are in the file. The loan application reflects XXX XXX. was the prior residence and the credit report provides pay history from XX/XX/XXXX - XX/XX/XXXX. Provide primary residence pay history from XX/XX/XXXX - XX/XX/XXXX reflecting no late payments. | Document Uploaded. XXX XXX was purchased XXX months prior to purchase of primary XXX. Uploading updated Final 1003 and page from credit report showing the mortgage history with XXX acct XXX | 03/02/2026 | Housing History Meets Guideline Requirements | 03/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 53643 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The loan application reflects investment properties missing documentation for the PITIA. Provide HOA bills for XXX XXX. | Document Uploaded. Uploading XXX. XXX showing XXX per monthnth HOA dues. Uploading XXX showing SFR. There are no dues for this property | 03/02/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | 03/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 53643 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 53643 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 91063 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 91063 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 91063 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 23578 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 23578 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 23578 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 33172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.55% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 54.55% is less than Guideline LTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 33172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.55% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 54.55% is less than Guideline LTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 33172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.55% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 54.55% is less than Guideline LTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 59202 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/20/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 62.09% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.09% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 59202 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/20/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 62.09% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.09% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 59202 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/20/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 62.09% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.09% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 67374 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/24/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 51.67% is less than Guideline LTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.67% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 67374 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/24/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 51.67% is less than Guideline LTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.67% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 67374 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/24/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 51.67% is less than Guideline LTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.67% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 43608 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer prior to the consummation date, XX/XX/XXXX. The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he 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. | Document Uploaded. signed initial CD has been uploaded | 03/30/2026 | Initial CD receipt date provided; exception resolved; Initial CD receipt date provided; exception resolved | 03/31/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.9% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 74.9% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 43608 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The borrower is XXX. Provide documentation to support the borrower's self employment in an active business covering the most recent XXX years with copy of business license (vocational license is not evidence), CPA letter with CPA verification, or Articles of Inc., operating agreement with recorded filing date. | Document Uploaded. Uploading updated ULAW and 1003 removing income | 03/24/2026 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 03/25/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.9% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 74.9% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 43608 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing The co-borrower is XXX with XXX for XXX years. Provide a verbal verification of employment by XXX within XXX hours prior to funding. | Document Uploaded. Uploading VVOE | 03/24/2026 | Borrower 2 3rd Party VOE Prior to Close Was Provided or XXX (Number of Borrowers equals XXX); Borrower 2 3rd Party VOE Prior to Close Missing | 03/25/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.9% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 74.9% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 43608 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Data Verify reflects possible undisclosed real eState; XXX #XXX. Provide property report. | Document Uploaded. Uploading XXX showing XXX is not our borrower | 03/24/2026 | All Fraud Report Alerts have been cleared or None Exist | 03/25/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.9% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 74.9% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 43608 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.9% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 74.9% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 83723 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Acknowledged | FCRE1338 | Credit | Borrower 1 Notes Receivable Missing | Borrower 1 Notes Receivable Missing Lender Approved Exception - OK to accept corporate resolution treated as note receivable per JS. Please provide compensating factors. | Document Uploaded. Uploading updated ULAW with comp factors. | 03/24/2026 | Lender exception approval with comp factors provided - OK to eccept corporate resolution treated as note receivable per JS. Comp factors, 65% LTV, XXX FICO, full doc with XXX% DTI. | 03/25/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 64.53% is less than Guideline LTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.53% is less than Guideline CLTV of 85% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 83723 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/24/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 64.53% is less than Guideline LTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.53% is less than Guideline CLTV of 85% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 83723 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/24/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 64.53% is less than Guideline LTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.53% is less than Guideline CLTV of 85% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 40823 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2026 | Acknowledged | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Lender pricing exception requires XXX months reserves. Provide most recent XXX day bank Statement to verify XXX months reserves (assets used for depletion are not available). GL XX/XX/XXXX & XX/XX/XXXX | Uploading updated ULAW with comp factors | 03/11/2026 | Lender exception approval provided - Ok per JJ to accept XXX months in reserves resulting in shortage of XXX Comp factors XXX FICO, subject C3 condition. | 03/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 40823 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2026 | Acknowledged | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Lender pricing exception requires XXX months reserves. Provide most recent XXX day bank Statement to verify XXX months reserves (assets used for depletion are not available). GL XX/XX/XXXX & XX/XX/XXXX | Document Uploaded. Uploading updated ULAW with comp factors | 03/11/2026 | Lender exception approval provided - Ok per JJ to accept XXX months in reserves resulting in shortage of XXX Comp factors XXX FICO, subject C3 condition. | 03/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 40823 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 40823 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 53200 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2026 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The loan application reflects the borrower has no primary housing payment. Provide a Signed/dated letter from property XXX to include property address, relationship to borrower and duration has been residing there rent free. GL XX/XX/XXXX | Acra does not require rent free letters | 03/11/2026 | Housing History Meets Guideline Requirements | 03/12/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 53.66% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.66% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 53200 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The gift letter reflects XXX deposited from XXX #XXX to the borrower on XX/XX/XXXX. The XXX Statement reflects XXX was wired from the borrower's account to escrow. Provide a copy of the wire receipt or check to verify funds from the donor's account into the borrowers account. | Document Uploaded. The XXX account belongs to escrow, not the borrowers. Re-uploading wire receipt which shows the funds were received from the donors account referenced on the gift letter | 03/11/2026 | Asset Qualification Meets Guideline Requirements | 03/12/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 53.66% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.66% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 53200 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2026 | Acknowledged | FCRE1441 | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements An open collection for XXX dated XX/XX/XXXX is on the credit report. Provide proof the collection is paid. GL XX/XX/XXXX | Document Uploaded. Uploading updated ULAW with comp factors | 03/11/2026 | Lender exception approval provided - Ok per JJ for collection to remain unpaid. Comp factors XXX LTV, XXX% DTI, subject C3 condition. | 03/12/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 53.66% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.66% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 53200 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 53.66% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.66% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 53200 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 53.66% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.66% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 39788 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Recording Fee on Final CD XX/XX/XXXX | Document Uploaded. changed circumstance documentation has been uploaded showing increase in recording fee due to "UCC Termination" which was discovered as necessary on XX/XX/XXXX. Fee disclosed XX/XX/XXXX. | 04/02/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 04/03/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 39788 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FCRE1964 | Credit | Missing income documentation | The CPA letter provides verification of ownership and XXX year business existence. Provide verification of tax preparer's license from municipal, State or federal licensing boards or proof of their business' existence. | Document Uploaded. Uploading SOS filing info for borrower's S/E LLC as a stand-alone document. | 03/20/2026 | Lender provided copy of business license to satisfy the XXX VOE. | 03/23/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 39788 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The Lender SSI of XXX for the borrower and XXX for the co borrower was not supported. The Social Security Awards letter reflects XXX monthly income for the borrower = XXX and co-borrower $XXX. The income was grossed up XXX% for monthly SSI XXX and $XXX. Audit total income with pension and self employment is XXX and Lender total income =$XXX. Additionally, the Hazard Insurance premium reflects XXX payment per month and the Lender HI is XXX The subject PITI is XXX | Document Uploaded. XXX Lending recently released a XXX% gross-up practice for non-taxable income. Uploading SSI calculation sheet, 1099s and award letters. Income and DTI below XXX% is supported. | 03/20/2026 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | 03/23/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 39788 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/20/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 99515 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/17/2026 | Resolved | FCRE8611 | Credit | Income/Employment General | Missing lease agreements to validate the P&L. Per guidelines, Property management groups / owners must provide lease agreements to validate the P&L. Business license reflects type of business as rental real eState and P&L reflects all income from rent. | Acra understands TPR's position; however, in this instance the referenced guideline does not apply. The underwriter exercised discretion and did not require the lease agreement(s) because the loan closed in the borrower's personal name. If this had been an entity loan, the guideline would have been enforced.; Property management is managing rentals owned by someone else. "RENTAL REALEState" refers to ownership or leasing of real property — not third-party management. Borrowers LLC is involved in owning or renting out property, not managing properties for third parties. Lease agreements are XXX in this case | 03/19/2026 | Per lender - XXX understands TPR's position; however, in this instance the referenced guideline does not apply. The underwriter exercised discretion and did not require the lease agreement(s) because the loan closed in the borrower's personal name. If this had been an entity loan, the guideline would have been enforced.; The P&L Guideline States Property management groups / owners must provide lease agreements to validate the P&L. Audit interprets that as Property management groups and Owners. If the XXX is using Rent as the P&L Income, then Lease agreements to validate the P&L is required per guidelines. Please provide. | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 52% is less than Guideline LTV of 75% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 99515 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 52% is less than Guideline LTV of 75% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 99515 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 52% is less than Guideline LTV of 75% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 31609 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2026 | Resolved | FCRE3472 | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. XXX total ODs/NSFs on XXX business checking account for XXX is greater than the XXX max allowed in the last XXX months when loan amount is > $XXX. | The GL's are specific to NSF's. Overdrafts are not counted. Loan closed within GL's. | 03/12/2026 | Overdraft/NSF count within tolerance. | 03/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 31609 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2026 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOM from XXX for O/O property at XXX supporting XXX - XX/XX/XXXX Statement and XX/XX/XXXX Statement - neither reflects a payment. And VOM from XXX for XXX supporting XXX - XX/XX/XXXX Statement does not reflect a payment. | Document Uploaded. Uploading XXX Statement showing Jan payment on XX/XX/XXXX. Uploading XXX demand showing payment due XX/XX/XXXX. See page XXX of initial package for previous mortgage rating on XXX XXX. with XXX Mtg #XXX. | 03/12/2026 | Confirmed XXX and XXX XXX payments on pages XXX and XXX for Primary residence at XXX.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 03/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 31609 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 31609 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 23660 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may laXXXully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 23660 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 23660 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 23660 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 18899 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The file does not contain a copy of the XXX Business Bank account #XXX for the month of XXX XXX used to qualify. XXX Business Narrative is Missing | Document Uploaded. ; Document Uploaded. | 04/14/2026 | Income and Employment Meet Guidelines; Provided - Resolved. ; Countered - Trailing does not contain a copy of the XXX Business Bank account #XXX for the month of XXX XXX used to qualify or XXX Business Narrative. | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 18899 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 18899 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 85054 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85054 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85054 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/11/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 39477 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/24/2026 | Resolved | FCRE1497 | Credit | ATR: XXX Income or Assets Not Considered | ATR: XXX Income or Assets Not Considered. ATR Risk: Missing full XXX months business bank Statements per loan approval qualification method and income calculator. Only bank Statement in file matching income calculator is XXX XXX Missing other XXX months. | Document Uploaded. | 04/28/2026 | Documentation is sufficient. Bank Statements provided. Exception resolved.; ATR: XXX Income or Assets Was Considered. | 04/29/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 39477 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/24/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing full XXX months business bank Statements per loan approval qualification method and income calculator. Only bank Statement in file matching income calculator is XXX XXX Missing other XXX months. | Document Uploaded. | 04/28/2026 | Documentation is sufficient. Bank Statements provided. Exception resolved.; Income and Employment Meet Guidelines | 04/29/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 39477 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/24/2026 | Resolved | FCRE1438 | Credit | ATR Risk | ATR Risk. ATR Risk: Missing full XXX months business bank Statements per loan approval qualification method and income calculator. Only bank Statement in file matching income calculator is XXX XXX Missing other XXX months. | Document Uploaded. | 04/28/2026 | Documentation is sufficient. Bank Statements provided. Exception resolved.; ATR Risk Resolved. | 04/29/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 39477 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/24/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 39477 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/24/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/24/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 51658 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/24/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 51658 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/24/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 51658 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/24/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 60378 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2026 | 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 XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/28/2026 | Evidence of eConsent is provided. | 04/29/2026 | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 60378 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 04/24/2026 | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 60378 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/24/2026 | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 72162 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to decrease from XXX to XXX for the Lender Credit on the XX/XX/XXXX final CD. COC for decrease due to waiving XXX is dated XX/XX/XXXX, exceeding three days before the decrease was disclosed on XX/XX/XXXX. | XXX were waived on XX/XX/XXXX. CD was redisclosed XX/XX/XXXX to meet XXX day rule. The Issue date on page XXX shows XX/XX/XXXX. However, that's a closer typo. The timestamp on bottom right shows doc was produced/sent on XX/XX/XXXX. ; n/a; Document Uploaded. | 04/20/2026 | Revised CD within XXX days provided, exception resolved.; Revised CD within XXX days provided, exception resolved.; Document Uploaded. ; File does not contain a valid CD issued within XXX days of the valid COC dated XX/XX/XXXX. Please provide a cure package for the Lender Credit violation of $XXX.; COC for the Lender Credit decrease was due to waiving XXX and is dated XX/XX/XXXX however, the final CD was issued XX/XX/XXXX and exceeds the timing requirement. Exception retained. | 04/21/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 72162 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | 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 XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/14/2026 | E consent provided, exception resolved; Evidence of eConsent is provided. | 04/14/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 72162 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/09/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 72162 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/09/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 60803 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. Appraisal requirements not met, missing appraisal delivery receipt. Unable to downgrade. | Document Uploaded. | 04/14/2026 | Appraisal delivery provided; HPML compliant | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 60803 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | 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 XXX-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 XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Document Uploaded. | 04/14/2026 | Evidence of appraisal delivery provided. | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 60803 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 60803 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 99340 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on the CD dated XX/XX/XXXX without valid COC. The COC dated XX/XX/XXXX shows the decrease in the credit for a pricing exception; however, the redisclosure was not completed within the required three business day period. | Document Uploaded. ; Document Uploaded. | 04/20/2026 | Revised CD and valid COC received - exception resolved; Revised CD and valid COC received - exception resolved; The file did not contain a CD that was printed on XX/XX/XXXX, please provide that CD to resolve | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 99340 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required- First e-signed document in the file is dated XX/XX/XXXX; however, the file is missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/14/2026 | Evidence of eConsent is provided. | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 99340 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 99340 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 62722 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | 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 XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 03/24/2026 | Evidence of eConsent is provided. | 03/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 62722 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 62722 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 57343 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 57343 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 57343 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 53693 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | 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 XX/XX/XXXX. | Document Uploaded. | 04/14/2026 | Evidence of eConsent is provided. | 04/15/2026 | Borrower has stable job time - Borrower has XXX 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 |
| 53693 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. | 04/14/2026 | Third party valuation product provided within tolerance.; TPV provided | 04/15/2026 | Borrower has stable job time - Borrower has XXX 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 |
| 53693 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may laXXXully 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. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML compliant | 04/13/2026 | Borrower has stable job time - Borrower has XXX 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 |
| 53693 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML compliant | 04/13/2026 | Borrower has stable job time - Borrower has XXX 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 |
| 53693 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 04/13/2026 | Borrower has stable job time - Borrower has XXX 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 |
| 26671 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | 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 XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/14/2026 | E consent provided, exception resolved; Evidence of eConsent is provided. | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 26671 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing. Gap Credit Report appears to be missing and is required per lender guidelines. | Document Uploaded. | 04/14/2026 | Borrower 1 Gap Credit Report is not missing.; Report dated XX/XX/XXXX provided | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 26671 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 86259 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required to clear exception: Please provide eSigned documents dated on or before XX/XX/XXXX. | Document Uploaded. | 04/13/2026 | Evidence of eConsent is provided. | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.99% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 64.99% is less than Guideline LTV of 75% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 86259 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.99% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 64.99% is less than Guideline LTV of 75% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 86259 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.99% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 64.99% is less than Guideline LTV of 75% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 20402 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | 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 XX/XX/XXXX. The eConsent from XXX is not dated or shows authorization from borrower. The eConsents dated XX/XX/XXXX does not belong to borrower. | Document Uploaded. | 04/13/2026 | Evidence of eConsent is provided. | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 20402 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 20402 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 51245 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | 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 XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/13/2026 | Evidence of eConsent is provided. | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 51245 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 51245 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 98151 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | 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 XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/20/2026 | Evidence of eConsent is provided. | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 98151 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Rescinded | FCOM5556 | Compliance | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Documentation required to clear exception: Provide the Credit Score (FACTA) | It is a XXX – NO credit scores – No credit report – not needed | 04/21/2026 |  |  | B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 98151 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 98151 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 93167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FVAL1628 | Property | No HOA fees on appraisal and property identified as a PUD |  | Document Uploaded. | 04/20/2026 | LOX regarding HOA provided | 04/21/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 93167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 93167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 22169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The lenders approval reflects debt other than the subject mortgage as XXX while the net rent loss per documentation in the file is XXX and Non REO debt is XXX so that other monthly payments are XXX or $XXX/$XXX=XXX% DTI. | Document Uploaded. We should be allowed to go up to XXX% DTI since this is a XXX with a Qualifying FICO over XXX All these criteria were met: | 04/24/2026 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Client provided guides reflecting DTI allowable XXX-XXX% and evidence to support auto paid by business. | 04/27/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 22169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 22169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 58585 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 58585 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86390 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86390 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 64669 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCOM1267 | Compliance | Homeownership Counseling Disclosure Is Partially Provided | Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is XX/XX/XXXX and Occupancy is Primary Residence) Documentation required to clear exception: Provide homeownership counseling disclosure list with XXX entities that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. (Disclosure provided only list XXX entities). | Document Uploaded. revised ; Document Uploaded. | 04/21/2026 | Homeownership Counseling Disclosure Is Present or XXX (Date Creditor Received Application is XX/XX/XXXX and Occupancy is Primary Residence); HOC list provided is dated XX/XX/XXXX, however the HOC in file dated within XXX days of the application is not considered compliant | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 64669 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 64669 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 91599 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 91599 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 91599 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 11174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | 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 XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/17/2026 | eConsent received, condition resolved. | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 11174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 11174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 52552 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2026 | 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 XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/28/2026 | Evidence of eConsent is provided. | 04/29/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 52552 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 04/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 52552 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/24/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 52552 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/24/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 61832 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a XXX |  |  | HPML compliant | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 61832 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 61832 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 51457 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | 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 XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/14/2026 | Evidence of eConsent is provided. | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 51457 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FPRO1500 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing | Document Uploaded. | 04/14/2026 | HOA Questionnaire Provided; Property questionnaire provided | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 51457 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may laXXXully 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 compliant |  |  | HPML Compliant | 04/10/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 51457 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. Non QM loan | HPML compliant | 04/09/2026 | HPML Compliant | 04/10/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 51457 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/10/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 47231 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | 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 XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/14/2026 | E consent provided, exception resolved; Evidence of eConsent is provided. | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX 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 |
| 47231 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing B1 Verbal Verification of Employment was obtained more than XXX business day prior to the Note. | Document Uploaded. | 04/14/2026 | Borrower 1 3rd Party VOE Prior to Close Was Provided; CPA provided | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX 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 |
| 47231 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may laXXXully 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 is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX 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 |
| 47231 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX 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 |
| 47231 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX 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 |
| 47231 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX 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 |
| 77824 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The file does not contain a copy of a tax Statement for the property located at XXX. | Document Uploaded. | 04/24/2026 | Taxes submitted. Resolved. | 04/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 77824 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 77824 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 81112 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 81112 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 81112 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 80544 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | 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 XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/13/2026 | Evidence of eConsent is provided. | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 80544 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/10/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 80544 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/10/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 63175 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2026 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may laXXXully 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 is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 04/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.81% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 67.81% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 63175 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 04/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.81% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 67.81% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 63175 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.81% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 67.81% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 63175 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.81% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 67.81% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 29885 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Loan Closed XX/XX/XXXX - No Payoff in file - Statement provided reflect loan is due XX/XX/XXXX Guidelines State XXX for Investment | Document Uploaded. | 04/20/2026 | Housing History Meets Guideline Requirements; Evidence provided; Rebuttal: Loan closed XXX. Mortgage Statement uploaded reflects due for XX/XX/XXXX and credit report reflects last reported XX/XX/XXXX. Please provide proof XXX Payment was made. ; Lender uploaded mortgage Statement and credit report | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 29885 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 29885 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 66891 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2026 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX on initial LE to XXX on CD dated XX/XX/XXXX. Per the COC dated XX/XX/XXXX lender credits were removed but the next disclosure provided is XX/XX/XXXX CD. In addition to timing exceeding XXX days not clear why reason for decrease. | Document Uploaded. ; Document Uploaded. | 05/07/2026 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved; The COC in file indicates the lender credits decreased but did not contain the reason for the change | 05/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 66891 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2026 | Rescinded | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Auditor found XXX XXX Account # XXX - XXX Balance as $ XXX Lender has XXX Statement Balance of $ XXX | Document Uploaded. I went through the whole file I do not see that Statement they are referring to please share the two attachments. This is not an asset utilization but a XXX mos income doc loan; Document Uploaded. | 04/30/2026 | Initial audit mistook XXX printout on page XXX of original file for XXX acct due to page two of XXX printout shows XXX XXX under Bank and cards. Assets originally used are sufficient. No conditions regarding assets. Rescinded. ; Asset Qualification Meets Guideline Requirements.; Statement provided is a duplicate of the one in file. Newer Statement in file shows the lower balance as mentioned. Exception remains. | 05/01/2026 | D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 66891 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2026 | Rescinded | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Auditor found XXX XXX Account # XXX - XXX Balance as $ XXX Lender has XXX Statement Balance of $ XXX | Document Uploaded. ; Document Uploaded. | 04/30/2026 | Initial audit mistook XXX printout on page XXX of original file for XXX acct due to page two of XXX printout shows XXX XXX under Bank and cards. Assets originally used are sufficient. No conditions regarding assets. Rescinded. ; Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Statement provided is a duplicate of the one in file. Newer Statement in file shows the lower balance as mentioned. Exception remains. | 05/01/2026 | D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 66891 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2026 | Rescinded | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Auditor found XXX XXX Account # XXX - XXX Balance as $ XXX Lender has XXX Statement Balance of $ XXX | Document Uploaded. Document Uploaded. n/a; Document Uploaded. | 04/30/2026 | Initial audit mistook XXX printout on page XXX of original file for XXX acct due to page two of XXX printout shows XXX XXX under Bank and cards. Assets originally used are sufficient. No conditions regarding assets. Rescinded. ; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Statement provided is a duplicate of the one in file. Newer Statement in file shows the lower balance as mentioned. Exception remains. | 05/01/2026 | D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 66891 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2026 | Rescinded | 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. Auditor found XXX XXX Account # XXX - XXX Balance as $ XXX Lender has XXX Statement Balance of $ XXX | Document Uploaded. I went through the whole file I do not see that Statement they are referring to please share the two attachments. This is not an asset utilization but a XXX mos income doc loan; Document Uploaded. | 04/30/2026 | Initial audit mistook XXX printout on page XXX of original file for XXX acct due to page two of XXX printout shows XXX XXX under Bank and cards. Assets originally used are sufficient. No conditions regarding assets. Rescinded. ; Funds are found to meet guidelines.; Per client, "I went through the whole file I do not see that Statement they are referring to please share the two attachments. This is not an asset utilization but a XXX mos income doc loan" Pending re-review. ; Statement provided is a duplicate of the one in file. Newer Statement in file shows the lower balance as mentioned. Exception remains. | 05/01/2026 | D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 66891 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2026 | 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 XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/28/2026 | Evidence of eConsent is provided. | 04/29/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 66891 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2026 | Resolved | FCRE5770 | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. | Document Uploaded. | 04/28/2026 | Documentation is sufficient. Credit report provided. Exception resolved.; Borrower 1 Credit Report is not missing. | 04/29/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 66891 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/24/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 62468 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/27/2026 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation Required: The disbursement date of XX/XX/XXXX is the same as the cancel by date on the ROR listed as XX/XX/XXXX. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, new ROR providing XXX days right to cancel | Document Uploaded. ; why is this incorrect, if they signed XX/XX/XXXX and right to cancel is XX/XX/XXXX? ; Document Uploaded. ; Document Uploaded. | 05/04/2026 | PCCD provided confirms the actual disbursement date; exception resolved ; The borrower has until the end of the day XX/XX/XXXX to rescind the transaction, the lender disbursed on XX/XX/XXXX prior to the end of the rescission period. Disbursement cannot occur until XX/XX/XXXX if the loan documents were signed on XX/XX/XXXX; The final CD provided confirms disbursement date is XX/XX/XXXX which is prior to the end of the rescission period; The final CD provided confirms disbursement date is XX/XX/XXXX which is prior to the end of the rescission period; The disbursement date of XX/XX/XXXX is the same as the cancel by date on the ROR listed as XX/XX/XXXX. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, new ROR providing XXX days right to cancel | 05/04/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 62468 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/28/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 62468 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/28/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 62069 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2026 | 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 XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/24/2026 | Evidence of eConsent is provided. | 04/26/2026 | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 62069 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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 | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 62069 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 62069 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 88970 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2026 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to decrease from XXX to XXX for the Lender credit on CD XX/XX/XXXX. | Document Uploaded. | 02/20/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 02/23/2026 | Borrower has stable job time - Borrower has XXX years on job. D C A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| 88970 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure and proof sent to the borrower within XXX business days of application XX/XX/XXXX. | Document Uploaded. | 02/13/2026 | Required Affiliated Business Disclosure Documentation Provided | 02/16/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| 88970 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2026 | Resolved | FCOM1263 | Compliance | Right of Rescission is Partially Provided | Right of Rescission is Partially Provided Provide the full executed Right to Cancel for XXX. | Document Uploaded. ; Document Uploaded. | 02/13/2026 | Right of Rescission is Provided; RTC provided for the borrower, please provide executed RTC for the non borrowing spouse that signed Note and DOT. Exception remains. | 02/16/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| 88970 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| 88970 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| 82778 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 01/08/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 68.85% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.85% is less than Guideline CLTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 82778 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/08/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 68.85% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.85% is less than Guideline CLTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 82778 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/08/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 68.85% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.85% is less than Guideline CLTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 82326 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 82326 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 82326 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 72170 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 72170 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 76255 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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 requirements met. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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 requirements met. |  | HPML compliant | 04/01/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 76255 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/01/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 76255 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/01/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 76255 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | finding-2838 | Compliance | OK HOEPA Higher-Priced Mortgage Loan Test | This loan failed the OK HOEPA higher-priced mortgage loan test. The loan is a higher-priced mortgage loan, as defined in the legislation. For more information please see the XXX Higher-Priced Mortgage Loan Article section of the full ComplianceAnalyzer report hile the XXX HOEPA Higher-Priced Mortgage Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML requirements met. | This loan failed the OK HOEPA higher-priced mortgage loan test. The loan is a higher-priced mortgage loan, as defined in the legislation. For more information please see the XXX Higher-Priced Mortgage Loan Article section of the full ComplianceAnalyzer report hile the XXX HOEPA Higher-Priced Mortgage Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML requirements met. |  | Informational | 04/01/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 11414 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 04/08/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 11414 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 11414 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 41525 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | 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 XXX-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 XXX(a)(XXX)). Documentation required to clear exception, Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the closing date is required, but missing from the file. If the borrower waived the XXX day timing requirement provide an executed appraisal waiver and evidence the appraisal was received the day of closing | Document Uploaded. | 04/03/2026 | Evidence of appraisal delivery provided. | 04/03/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 41525 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCOM1621 | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing Documentation required to clear exception, Provided the Initial Escrow Disclosure | Document Uploaded. | 04/03/2026 | Initial Escrow Account Disclosure is Resolved | 04/03/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 41525 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 04/01/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 41525 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  | Informational | 04/01/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 25057 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FPRO1500 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing. Please provide the HOA Questionnaire, as required per guidelines. | Document Uploaded. | 05/14/2026 | HOA Questionnaire Provided.; Questionnaire provided. | 05/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 25057 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 25057 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 34258 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FPRO0951 | Property | Condo Approval Missing | Condo Approval Missing. Missing Condo Approval | Document Uploaded. | 03/27/2026 | Condo Approval is provided.; Questionnaire provided | 03/31/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 34258 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Rescinded | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | Document Uploaded. | 03/30/2026 | Client Stated No VOE required. | 03/31/2026 | B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 34258 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XXX/XXX/XXX. | Document Uploaded. ; Document Uploaded. | 03/30/2026 | Homeownership Counseling Disclosure Is Present or XXX; Homeownership Counseling Disclosure Is Missing Attached disclosure does not include the XXX agencies provided to the buyer. Please provide the XXX counseling agencies provided to the buyer at time of application. | 03/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 34258 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FCOM3608 | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. Please provide either a signed intent to proceed document or provide the date the borrower gave the lender/broker their intent to proceed. | Document Uploaded. | 03/27/2026 | Proof of Intent to Proceed has been provided. The intent to proceed is missing. | 03/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 12411 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Resolved | FCRE1151 | Credit | Satisfactory Chain of Title not Provided | Unsatisfactory Chain of Title provided Chain of title is incomplete. The loan file does not include a recorded Warranty Deed transferring ownership from the prior sellers, XXX XXX XXXXX and XXX XXX XXXXX, to the current seller, XXX. The file contains a purchase contract dated XX/XX/XXXX and an addendum dated XX/XX/XXXX between the prior and current seller, but there is no evidence this transaction closed. Without documentation of the seller's acquisition date and acquisition price, seller ownership, flip timeline, and second appraisal requirements cannot be validated. A recorded deed establishing when the current seller became the legal XXX is required. | Document Uploaded. | 03/24/2026 | Satisfactory Chain of Title has been provided; Warranty Deed provided | 03/25/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 12411 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Rescinded | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Please provide a letter of explanation for the XXX credit inquiry dated XXX/XXX/XXX, which falls within XXX days as required per guidelines. | Inquiry falls outside of XXX days from closing, LOE not required. | 03/23/2026 | Rescinded - Client responded, "Inquiry falls outside of XXX days from closing, LOE not required." Correct outside XXX days | 03/24/2026 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 12411 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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 This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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 | 03/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 12411 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 42813 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 04/10/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 42813 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a A. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a A. |  | HPML compliant | 04/09/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 42813 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  | Informational | 04/09/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 42813 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 04/09/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 30050 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/25/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 30050 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/25/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 30050 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/25/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 80727 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Lender to provide verification of Business from Licensed CPA | Document Uploaded. | 04/09/2026 | Borrower 1 3rd Party VOE Prior to Close Was Provided; CPA letter attached | 04/10/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 80727 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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 This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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 | 04/10/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 80727 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure required: Cure of XXX required for increase in discount points from XXX to XXX and increase in appraisal fee from XXX to XXX The COC provided does not provide sufficient explanation for increase of charges. Cure requires PCCD, LOE, copy of refund check, and proof of mailing. 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). | Document Uploaded. | 04/09/2026 | Valid COC received - exception resolved; Valid COC received - exception resolved | 04/10/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 80727 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/31/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 90269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/31/2026 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.91% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 79.91% is less than Guideline LTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 90269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/31/2026 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.91% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 79.91% is less than Guideline LTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 90269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/31/2026 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.91% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 79.91% is less than Guideline LTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 88638 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing | Gap reports are no longer required by NQM and to please waive. | 03/27/2026 | No longer required by guidelines; condition cleared.; Client States: Gap reports are no longer required by NQM and to please waive. Verified. | 06/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 88638 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 03/30/2026 | Required Affiliated Business Disclosure Documentation Provided | 03/31/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 88638 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/26/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 51388 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.1% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 58.1% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 51388 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.1% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 58.1% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 51388 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.1% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 58.1% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 21286 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The lender's approval excluded the XXX payment to XXX in the ratio calculation. There is no evidence in the file of the total debt to XXX being satisfied. There was a XXX Account paid at closing, however this was not the account. | Document Uploaded. ; Document Uploaded. | 05/08/2026 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audited DTI of XXX% exceeds Guideline DTI of XXX% ; ; Client sent in Statements for XXX with most recent being XX/XX/XXXX with payment of XXX Countered - Statements verify payment used to qualify. No explanation or evidence to resolve. | 05/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 21286 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 04/29/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 21286 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | FCOM1267 | Compliance | Homeownership Counseling Disclosure Is Partially Provided | Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is XX/XX/XXXX and Occupancy is Primary Residence) Documentation required to clear exception: Provide homeownership counseling disclosure and counseling list that was provided to the consumer within XXX-business days of application, XXX/XXX/XXX. Page XXX shows acknowledgement of receipt of the homeownership counseling list, however a copy of the list was not found in the file. Please provide the Counseling list including XXX agencies to confirm requirements were met. | Document Uploaded. | 04/24/2026 | Homeownership Counseling Disclosure Is Present or XXX (Date Creditor Received Application is XX/XX/XXXX and Occupancy is Primary Residence) | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 64686 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 03/25/2026 | Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Documentation Provided | 03/30/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 43.25% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.25% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 64686 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FCOM1851 | Compliance | Incorrect rescission model used - RTC form model H-XXX used for Same Lender or Lender Affiliate Refinance | Incorrect rescission model used - RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate Refinance The consumer(s) was provided the incorrect RTC version. The consumer is refinancing with the original (same) creditor (new advance of money with the same creditor). Model H-XXX was provided; because the property is located in XXX, model H-XXX should have been used | Document Uploaded. | 03/27/2026 | Correct RTC form has been provided | 03/30/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 43.25% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.25% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 64686 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/24/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 43.25% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.25% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 64686 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/24/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 43.25% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.25% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 71261 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 71261 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 71261 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 73899 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCOM4028 | Credit | Missing evidence Mortgage/Deed of Trust will be recorded | Missing evidence of Mortgage recording There are no fees collected on Closing Disclosure for recording the mortgage or the deed. | Document Uploaded. | 04/28/2026 | Documentation in file is sufficient. Deed of Trust shows to be recorded. Exception resolved.; Evidence of Mortgage Recording is present or Mortgage has been sent for Recording | 04/29/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 73899 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | 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) he 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. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX 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 XXX business days prior to consummation on XXX/XXX/XXX. | Document Uploaded. | 04/22/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 04/24/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 73899 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for Discount Points. | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for Discount Points. |  | Initial CD and valid COC provided; exception resolved; Initial CD and valid COC provided; exception resolved | 04/24/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 73899 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established XXX and appraisal requirements met. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established XXX and appraisal requirements met. |  | HPML compliant | 04/24/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 73899 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Rescinded | FCOM1280 | Compliance | Collateral Protection Notice is Missing | Collateral Protection Notice was not provided. | Please provide more clarification. | 04/16/2026 | Collateral protection verbiage found in mortgage; exception resolved; Collateral Protection Notice was provided. | 04/17/2026 | D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 73899 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 80823 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational; ; Informational | 04/21/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 80823 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational; ; Informational | 04/21/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 80823 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/21/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 25769 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the appraisal fee. | Document Uploaded. ; Document Uploaded. | 04/09/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved; COC indicates a reason for increase is due to value but that would not be considered a valid COC, the invoice shows an order date of XX/XX/XXXX but it was not disclosed until XXX/XXX. provide clarification or cure package | 04/10/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 25769 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/26/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 25769 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/26/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 64818 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to addition of the appraisal 1004D fee on the LE dated XX/XX/XXXX without valid COC. Fee amount decreased to XXX | Document Uploaded. | 04/01/2026 | valid COC provided, exception resolved; valid COC provided, exception resolved | 04/02/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 64818 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 03/31/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 64818 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  | Informational | 03/31/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 28173 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 28173 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 28173 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 81351 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Evidence of housing payment for XXX XXX missing. | Document Uploaded. | 03/31/2026 | Client explanation, "The borrower initially intended to purchase XXX XXX; however, the plan was canceled and the property was not purchased. The 1003 has been updated accordingly." | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 81351 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  | Informational | 03/26/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 81351 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/26/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 31054 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 05/05/2026 | Required Affiliated Business Disclosure Documentation Provided. | 05/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 31054 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/30/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/04/2026 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 31054 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/04/2026 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 94388 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/23/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 94388 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 03/23/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 94388 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  | Informational | 03/23/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 29261 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | finding-3367 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XXX/XXX/XXX. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on XXX's Birthday (XXX/XXX/XXX s not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. | Document Uploaded. | 04/17/2026 | HOC dated within XXX days of the XXX provided; exception resolved; HOC dated within XXX days of the XXX provided; exception resolved | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 29261 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at XXX and will not reset. Cure- Provide a copy of the Initial LE and Written List of Service Providers dated with XXX days of the initial application XXX/XXX/XXX. This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | Document Uploaded. | 04/17/2026 | LE dated within XXX days of the XXX provided; exception resolved; LE dated within XXX days of the XXX provided; exception resolved | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 29261 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at XXX and will not reset. Cure- Provide a copy of the Initial LE dated with XXX days of the initial application XXX/XXX/XXX. 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). | Document Uploaded. | 04/17/2026 | LE dated within XXX days of the XXX provided; exception resolved; LE dated within XXX days of the XXX provided; exception resolved | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 29261 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | finding-3515 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XXX/XXX/XXX. The violation can be cured by providing the initial LE within XXX days of XXX/XXX/XXX. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on XXX's Birthday (XXX/XXX/XXX s not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | Document Uploaded. | 04/17/2026 | LE dated within XXX days of the XXX provided; exception resolved; LE dated within XXX days of the XXX provided; exception resolved | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 29261 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a XXX This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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 | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 29261 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 29261 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 97924 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2026 | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the verification of employment fee. The COC was dated XX/XX/XXXX wasn't accepted because a rate change is not a valid reason for the increase. | Document Uploaded. | 04/08/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 97924 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 04/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 97924 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  | Informational | 04/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 33459 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/02/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 33459 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/02/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 33459 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/02/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 39139 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 39139 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 39139 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 74689 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 74689 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 74689 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 48917 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2026 | Rescinded | FPRO1839 | Property | Property flood zone reflects property is in a Flood Zone but Special Flood Zone is marked No | Property flood zone of AE reflects property is in a flood zone but Special Flood Zone is marked No |  |  | Document Uploaded. ; ; Flood zone is properly labeled. | 04/22/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 48917 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCRE1161 | Credit | Flood Certificate Missing | Missing Flood Certificate Current Flood Insurance Policy is present, however the Flood Certificate appears to be missing. | Document Uploaded. | 04/22/2026 | Flood Certificate is fully present | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 48917 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/09/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 48917 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/09/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 13745 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/28/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Should be cleared. | 04/30/2026 | Informational; | 05/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 13745 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/28/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Should be cleared. | 04/30/2026 | Informational; | 05/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 13745 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/28/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Should be cleared. | 04/30/2026 | Informational; | 05/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 63065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 63065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 63065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 90786 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 90786 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 90786 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 70414 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/24/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 70414 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/24/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 70414 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/24/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85886 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Missing Loan Approval/XXX, as required by guidelines dated XXX/XXX/XXX. | Document Uploaded. | 03/30/2026 | Approval/Underwriting Summary is fully present | 04/01/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 85886 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FCOM1231 | Credit | The Initial 1003 is Missing | The Initial 1003 is Missing Missing initial 1003. | Document Uploaded. | 03/30/2026 | The Initial 1003 is Present; Initial 1003 provided | 04/01/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 85886 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/26/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 85886 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/26/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 95915 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Program guidelines require Employment or Source of Wealth documentation. The loan application lists employment; however, no employment verification is included in the loan file. A signed Source of Wealth explanation is also not present. Please provide either employment verification supporting the employment listed on the loan application, or a signed Source of Wealth explanation. | Document Uploaded. | 04/09/2026 | Borrower 1 3rd Party VOE Prior to Close Was Provided; VVOE provided | 04/10/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.43% is less than Guideline CLTV of 65% \| XXX is Below the Guideline Maximum - Calculated LTV of 45.43% is less than Guideline LTV of 65% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 95915 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/02/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.43% is less than Guideline CLTV of 65% \| XXX is Below the Guideline Maximum - Calculated LTV of 45.43% is less than Guideline LTV of 65% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 95915 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/02/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.43% is less than Guideline CLTV of 65% \| XXX is Below the Guideline Maximum - Calculated LTV of 45.43% is less than Guideline LTV of 65% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 27892 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 03/30/2026 | Required Affiliated Business Disclosure Documentation Provided | 03/31/2026 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 49.61% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.61% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 27892 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/26/2026 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 49.61% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.61% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 27892 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/26/2026 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 49.61% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.61% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 56612 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 56612 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 56612 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 60507 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | FCRE1156 | Credit | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Named Insured does not match Borrower(s) Name(s) The hazard insurance policy lists the individual Borrowers and does not reflect LLC. Please provide updated hazard insurance reflecting the LLC as named or additional insured. | Document Uploaded. | 04/15/2026 | Named Insured matches Borrower(s) Name(s); Coverage provided | 04/16/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 43.48% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.48% is less than Guideline CLTV of 85% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 60507 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | FCRE1146 | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present. The Note identifies the LLC as the Borrower; however, the title commitment reflects vesting in the individual guarantors rather than LLC. A final title policy or updated title commitment showing vesting in LLC is required. | Document Uploaded. | 04/08/2026 | Title Document is fully Present.; Updated title provided | 04/08/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 43.48% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.48% is less than Guideline CLTV of 85% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 60507 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | The Note identifies the LLC as the Borrower; however, the file does not contain required entity documents, including Articles of Organization, Operating Agreement, EIN documentation, evidence of Good Standing, and evidence of signing authority. Please provide these documents to validate entity eligibility, ownership structure, and Borrowers authority. | Document Uploaded. | 03/27/2026 | LLC business info provided | 03/31/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 43.48% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.48% is less than Guideline CLTV of 85% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 60507 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Please provide verification of HOA dues or letter from the Borrowers confirming no HOA dues associated with their primary residence. | Document Uploaded. | 03/27/2026 | HOA info provided | 03/31/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 43.48% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.48% is less than Guideline CLTV of 85% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 60507 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/24/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 43.48% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.48% is less than Guideline CLTV of 85% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 60507 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/24/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 43.48% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.48% is less than Guideline CLTV of 85% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 64002 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The file does not contain a copy of the FNMA UCDP with a CU score of XXX that was documented in the XXX comments. | Document Uploaded. | 04/22/2026 | Third party valuation product provided within tolerance.; UCDP with score of XXX provided | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 64002 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 64002 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 85526 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | 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) he 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. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and e-signed XXX/XXX/XXX. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX/XXX/XXX. Per the disclosure tracker, a CD issued XX/XX/XXXX was issued to the borrower but not in the loan file. | Document Uploaded. | 04/22/2026 | Initial CD received - exception resolved | 04/23/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 85526 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or initial CD issued XXX/XXX/XXX. The discount points increased on the CD issued XXX/XXX/XXX; however, due to the initial CD issued XX/XX/XXXX missing from the loan file, the fee increase is not allowable. | Document Uploaded. | 04/22/2026 | Initial CD received - exception resolved; Initial CD received - exception resolved | 04/23/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 85526 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 85526 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 96369 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 04/14/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 46.21% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.21% is less than Guideline CLTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 96369 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  | Informational | 04/14/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 46.21% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.21% is less than Guideline CLTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 96369 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/14/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 46.21% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.21% is less than Guideline CLTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 68312 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded |  | HPML compliant | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 68312 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 68312 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 61129 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Documentation required. 1st e-signed document in the file is dated XXX/XXX/XXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 05/07/2026 | Evidence of eConsent is provided. | 05/08/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.62% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 42.62% is less than Guideline LTV of 80% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 61129 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required: Provide documentation supporting XXX is affiliated or same entity as XXX per privacy policy or Affiliated Business Disclosure for XXX. | Document Uploaded. | 05/07/2026 | Required Affiliated Business Disclosure Documentation Provided. | 05/08/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.62% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 42.62% is less than Guideline LTV of 80% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 61129 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/04/2026 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing The Deed of Trust is Missing | Document Uploaded. | 05/07/2026 | The Deed of Trust is Present; Executed DOT provided. | 05/07/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.62% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 42.62% is less than Guideline LTV of 80% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 61129 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.62% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 42.62% is less than Guideline LTV of 80% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 95802 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | 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 XXX/XXX/XXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/23/2026 | Evidence of eConsent is provided. | 04/24/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 95802 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 04/23/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/24/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 72131 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/30/2026 | Acknowledged | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. ; Document Uploaded. | 05/06/2026 | Exception request provided waiving UCDP / TPV required condition. Comp factors: XXX months reserves greater than program requirement, FICO above the minimum by XXX points or higher, DSCR XXX+, VOR 0x30; Freddie Mac SSR provided for Appraisal Review Product. Lender provided guidelines exception approval based on the following compensating factors: XXX months reserves greater than program requirement, FICO above the minimum by XXX points or higher, DTI > XXX% below program requirement/DSCR>XXX and VOR XXX\*XXX\*XXX months.; Countered - Missing FNMA with score under XX/XX/XXXX or TPV to justify value. Freddie Mac UCDP not required. | 05/07/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 72131 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/30/2026 | 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 XXX/XXX/XXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 05/05/2026 | Evidence of eConsent is provided. | 05/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 72131 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/30/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 05/05/2026 | Required Affiliated Business Disclosure Documentation Provided. | 05/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 72131 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Is something needed to satisfy this? If not, please mark as Resolved. Thank you! | 05/04/2026 | Informational | 05/05/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 46176 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Please provide e-signature consent dated on or before XXX/XXX/XXX. | Document Uploaded. | 04/23/2026 | Evidence of eConsent is provided. | 04/24/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 72547 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Guidelines, dated XXX/XXX/XXX, require a XXX month housing history or a rent free letter. Both Borrowers list on their Final 1003 that they have no primary housing expense. Missing evidence that they live rent free. | Document Uploaded. Rent Free Letter uploaded for review; Document Uploaded. Primary residence is free and clear per Fraud Report attached | 04/24/2026 | Housing History Meets Guideline Requirements; Lender uploaded Rent Free letter; Rebuttal: Lender provided fraud report. Missing Rent free Letter from whomever the borrower is residing with, signed and dated. | 04/24/2026 | Borrower has stable job time - Borrower has XXX 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 |
| 72547 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | 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 XXX/XXX/XXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/23/2026 | Evidence of eConsent is provided. | 04/24/2026 | Borrower has stable job time - Borrower has XXX 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 |
| 72547 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 04/23/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/24/2026 | Borrower has stable job time - Borrower has XXX 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 |
| 72547 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Borrowers received XXX in gift funds wired directly to title company. Guidelines, dated XXX/XXX/XXX, require funds not transferred prior to closing to be documented with a certified check, cashier's check, money order or wire transfer to the title company. Only XXX and XXX wire receipts are in file. Missing evidence of the remaining XXX wire receipt to title company. | Document Uploaded. | 04/23/2026 | Asset Qualification Meets Guideline Requirements.; Evidence of XXX and and XXX held in escrow provided. | 04/24/2026 | Borrower has stable job time - Borrower has XXX 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 |
| 84266 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84266 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84266 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 91228 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure required: Cure of XXX required for charges that in total cannot increase more than XXX% Cure requires PCCD, LOE, copy of refund check, and proof of mailing. The XXX% tolerance is due to the SSPL not listing at least one service for the provider identified. As such, the fees were tested as XXX% | Document Uploaded. ; Lender intentionally left the services blank on their SSPL and only included the provider as the form implies it includes any fees listed in section C of the LE. | 05/20/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. ; Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. ; Per § XXX(e)(XXX)(vi)(C) - Written list of providers. If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by paragraph (e)(XXX)(i) of this section but in accordance with the timing requirements in paragraph (e)(XXX)(iii) of this section. Therefore the borrower needed to be made aware of which service they were able to shop for by at least listing one title service fee.; | 05/28/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 91228 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2026 | Rescinded | finding-3719 | Compliance | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX Exception fired in error - rescinded Exception fired in error - rescinded | This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX Exception fired in error - rescinded Exception fired in error - rescinded |  |  | 05/21/2026 | C B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 91228 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 91228 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 63881 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/30/2026 | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of the appraisal review fee on the CD dated XXX/XXX/XXX. COC provided; however, the appraisal review reports in file were completed on XX/XX/XXXX and XXX/XXX/XXX. Re-disclosure of fee addition not within three business days of discovery. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 05/13/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. ; Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. ; COC provided; however, the appraisal review reports in file were completed on XX/XX/XXXX and XXX/XXX/XXX. Re-disclosure of fee addition not within three business days of discovery.; The zero tolerance violation in the amount of XXX is due to the addition of the appraisal review fee on the CD dated XXX/XXX/XXX. COC provided; however, the appraisal review reports in file were completed on XX/XX/XXXX and XXX/XXX/XXX. Re-disclosure of fee addition not within three business days of discovery. | 05/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 63881 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/30/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 63881 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/30/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 91940 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 91940 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 91940 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 18635 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCOM1232 | Credit | The Final 1003 is Missing | The Final 1003 is Missing. The Final 1003 was not found in the loan file. | Document Uploaded. ; Document Uploaded. | 04/24/2026 | The Final 1003 is Present; Lender uploaded Final 1003. ; ; Countered - 1003 provided is not final. | 04/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.71% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 35.71% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 18635 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Rescinded | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The Appraisal is made to XXX, XXX. An Appraisal Transfer Letter was not found in the file. | Document Uploaded. | 04/24/2026 | Agreed. Not required per guidelines. Requirements met. ; Lender uploaded LOX/ Guidelines | 04/24/2026 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 18635 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.71% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 35.71% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 17893 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Reserves are short as result of EMD in the amount of XXX was not evidenced/verified as cleared from borrowers funds AND/OR Per the Final 1003, account with XXX XXX with balance of XXX were used in the analysis of qualifying assets and are missing from the loan file; as result of negative post close funds and qualifying reserves are short XXX | Document Uploaded. | 03/31/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Evidence of escrow provided. Statement with balance of XXX included. | 04/01/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 17893 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Reserves are short as result of EMD in the amount of XXX was not evidenced/verified as cleared from borrowers funds AND/OR Per the Final 1003, account with XXX XXX with balance of XXX were used in the analysis of qualifying assets and are missing from the loan file; as result of negative post close funds and qualifying reserves are short XXX | Document Uploaded. | 03/31/2026 | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 04/01/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 17893 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/17/2026 | 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. Reserves are short as result of EMD in the amount of XXX was not evidenced/verified as cleared from borrowers funds AND/OR Per the Final 1003, account with XXX XXX with balance of XXX were used in the analysis of qualifying assets and are missing from the loan file; as result of negative post close funds and qualifying reserves are short XXX | Document Uploaded. | 03/31/2026 | Funds are found to meet guidelines.; Evidence of escrow provided. Statement with balance of XXX included. | 04/01/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 17893 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Reserves are short as result of EMD in the amount of XXX was not evidenced/verified as cleared from borrowers funds AND/OR Per the Final 1003, account with XXX XXX with balance of XXX were used in the analysis of qualifying assets and are missing from the loan file; as result of negative post close funds and qualifying reserves are short XXX | Document Uploaded. | 03/31/2026 | The required number of months reserves are to be seasoned does meet Guideline requirement.; Evidence of escrow provided. Statement with balance of XXX included. | 04/01/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 17893 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FCRE2371 | Credit | Missing final HUD-XXX from sale of non-subject property | Final CD/Settlement Statement for departing Primary sold is not in file; provide copy to support payoff of mortgage secured by XXX XXX | Document Uploaded. | 03/25/2026 | Departure CD provided | 03/26/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 17893 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/17/2026 | 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 XXX/XXX/XXX, however missing proof of e-consent dated XXX/XXX/26or before. | Document Uploaded. | 03/25/2026 | Evidence of eConsent is provided. | 03/26/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 17893 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/18/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 16149 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide documentation to support expenses in the amount of XXX reflected on Final 1003 for property at XXX XXX. | Document Uploaded. | 04/09/2026 | REO evidence provided. | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 16149 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Unable to validate earnest money deposit of XXX clearance. Provide evidence of earnest money deposit of XXX clearance, or evidence of sufficient funds to cover reserves of $XXX. | Document Uploaded. | 04/03/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 04/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 16149 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Unable to validate earnest money deposit of XXX clearance. Provide evidence of earnest money deposit of XXX clearance, or evidence of sufficient funds to cover reserves of $XXX. | Document Uploaded. | 04/03/2026 | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 04/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 16149 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | 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. Provide evidence of earnest money deposit of XXX clearance, or evidence of sufficient funds to close. | Document Uploaded. | 04/03/2026 | Funds are found to meet guidelines.; EMD provided | 04/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 16149 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 16149 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  | Informational | 04/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 44321 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/18/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 44321 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/18/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 44321 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/18/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 63681 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2026 | Resolved | finding-651 | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX TILA 130b Cure required: Cure of XXX ; cure package requires PCCD, LOE, copy of refund check, proof of delivery, and reopen of rescission. The Inspection and handling fee of XXX was not included in the lenders calculations. Per lender's mavent, there was a fee of XXX for Documentation of XXX that was not listed on the Final CD. If the full inspection fee should not be included in calculations, please give a breakdown of charges for inspection and handling. | Lender explanation provided: A title inspection and handling fee is a closing cost covering the verification of property records and it covers searching for liens/claims against the property ; Document Uploaded. | 04/08/2026 | lender confirmed the fee for Title - Inspection/Handling was for title searches; Exception resolved; lender confirmed the fee for Title - Inspection/Handling was for title searches; Exception resolved; Lender excluded Title - Inspection and Handling Fees per the mavent. | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 63681 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 04/06/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/07/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 63681 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/02/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 63681 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/02/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 33506 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to The addition of the for the Social Security Verification fee added to the CD dated XXX/XXX/XXX. The COC in the file does not provide a valid reason for the increase. 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). | Document Uploaded. | 04/08/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 04/09/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 33506 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/31/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 33506 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/31/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 12627 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. XXX/Lender Approval is missing | Document Uploaded. | 04/14/2026 | Approval/Underwriting Summary is fully present; XXX provided | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 12627 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCRE8611 | Credit | Income/Employment General | Business Narrative Form is missing | Document Uploaded. | 04/14/2026 | Narrative provided. | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 12627 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements As per Guideline, XXX months housing history required however we have only XXX months as per recent credit report. | Document Uploaded. | 04/14/2026 | Housing History Meets Guideline Requirements; VOR provided | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 12627 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 12627 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 28096 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/04/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The final application reflects what appears to be a new 2nd lien with XXX Acct #XXX @ XXX per months under the primary residence of XXX XXX, however the monthly payment was not included in the overall monthly housing expense. Please provide satisfactory documentation evidencing the correct status. | Document Uploaded. | 05/11/2026 | REO in question CD provided dated XX/XX/XXXX | 05/12/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 28096 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/04/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/04/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 28096 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/04/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/04/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 16682 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/17/2026 | Resolved | FCOM1669 | Compliance | O.C.G.A. § 7-6a-2(12)(G)(ii) - Attorney Preference, Right to Choose Attorney disclosure was not provided | O.C.G.A. § 7-6a-2(12)(G)(ii) - Attorney Preference, Right to Choose Attorney disclosure was not provided. Please provide the Attorney Preference, Right to Choose Attorney disclosure provide to the consumer. | Document Uploaded. | 03/20/2026 | O.C.G.A. § 7-6a-2(12)(G)(ii) - Attorney Preference, Right to Choose Attorney disclosure was provided. | 03/23/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.8% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 53.8% is less than Guideline LTV of 70% D A | D | A D B | D B A | D B A | D B A | D B A | D A | A | A | A | A | A |
| 16682 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/17/2026 | Resolved | FCOM8227 | Compliance | TRID: Missing Loan Estimate | The initial and/or any revised Loan Estimate is missing. As a result, a full review for compliance with timing and tolerance requirements could not be performed. The defect can be cured by providing all LE's issued to the borrower(s). | Document Uploaded. | 03/20/2026 | Initial and revised LE's provided, Exception resolved | 03/23/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.8% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 53.8% is less than Guideline LTV of 70% D A | D | A D B | D B A | D B A | D B A | D B A | D A | A | A | A | A | A |
| 16682 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/17/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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's guidelines; therefore, downgraded to A. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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's guidelines; therefore, downgraded to A. |  | HPML compliant | 03/23/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.8% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 53.8% is less than Guideline LTV of 70% D A | D | A D B | D B A | D B A | D B A | D B A | D A | A | A | A | A | A |
| 16682 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. The file does not contain a copy of the XXX | Document Uploaded. | 03/20/2026 | Approval/Underwriting Summary is fully present; XXX provided | 03/23/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.8% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 53.8% is less than Guideline LTV of 70% D A | D | A D B | D B A | D B A | D B A | D B A | D A | A | A | A | A | A |
| 16682 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/18/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.8% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 53.8% is less than Guideline LTV of 70% D A | D | A D B | D B A | D B A | D B A | D B A | D A | A | A | A | A | A |
| 83072 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/13/2026 | 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 XXX-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 XXX(a)(XXX)). Documentation required. Please provide evidence borrower received a copy of the appraisal at least XXX business days prior to consummation XXX/XXX/XXX. | Document Uploaded. | 05/18/2026 | Evidence of appraisal delivery provided. | 05/19/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 65.72% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.72% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 83072 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/14/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 65.72% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.72% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 83072 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/14/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 65.72% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.72% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 71356 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/10/2026 | 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 XXX/XXX/XXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 02/13/2026 | Evidence of eConsent is provided. | 02/16/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 71356 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Informational | 02/10/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 71356 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Informational | 02/10/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 71356 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/10/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established XXX and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML with established XXX and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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 | 02/10/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 71356 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/10/2026 | Resolved | finding-2559 | Compliance | XXX Subprime Home Loan Test | Subprime legend on the face of the mortgage and XXX XXX list on page XXX This loan failed the XXX Subprime Home Loan Test. (XXX SB XXX Section XXX(c) sing the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation hile the XXX 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. | Subprime legend on the face of the mortgage and XXX XXX list on page XXX This loan failed the XXX Subprime Home Loan Test. (XXX SB XXX Section XXX(c) sing the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation hile the XXX 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; Informational | 02/10/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 18225 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/25/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 26.87% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.87% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 18225 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/25/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 26.87% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.87% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 18225 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/25/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 26.87% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.87% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 53377 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established XXX and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML with established XXX and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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 | 03/31/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.35% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 64.35% is less than Guideline LTV of 75% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 53377 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | finding-2559 | Compliance | XXX Subprime Home Loan Test | Subprime legend on the face of the mortgage and XXX XXX list on page XXX This loan failed the XXX Subprime Home Loan Test. (XXX SB XXX Section XXX(c) sing the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation hile the XXX 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. | Subprime legend on the face of the mortgage and XXX XXX list on page XXX This loan failed the XXX Subprime Home Loan Test. (XXX SB XXX Section XXX(c) sing the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation hile the XXX 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. |  | Informational | 03/31/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.35% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 64.35% is less than Guideline LTV of 75% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 53377 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/31/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.35% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 64.35% is less than Guideline LTV of 75% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 53377 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/31/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.35% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 64.35% is less than Guideline LTV of 75% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84894 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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 | 03/26/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84894 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/26/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84894 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/26/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 62709 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/24/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 62709 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/24/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 62709 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/24/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 36943 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FCRE2900 | Credit | Borrower Non-XXX Identification Document Missing | Non XXX Borrower is missing Identification Document. Non XXX Borrower is missing Identification Document. | Document Uploaded. | 03/30/2026 | Borrower Identification Document provided.; Evidence provided | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 40.65% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.65% is less than Guideline CLTV of 80% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 36943 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FCRE2901 | Credit | Borrower 2 Non-XXX Identification Document Missing | Non XXX Borrower 2 is missing Identification Document. Non XXX Borrower 2 is missing Identification Document. | Document Uploaded. | 03/30/2026 | Borrower 2 Identification Document provided.; Evidence provided. | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 40.65% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.65% is less than Guideline CLTV of 80% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 36943 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase of Doc prep from XXX to XXX settlement/closing XXX to XXX e-recording XXX to XXX and title update XXX to XXX All fees in section C were tested at XXX% because the SSPL wasn't provided. Please provide the SSPL in order to test as borrower shopped. | Document Uploaded. | 03/30/2026 | SSPL provided; exception resolved; SSPL provided; exception resolved | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 40.65% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.65% is less than Guideline CLTV of 80% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 36943 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XXX/XXX/XXX. | Document Uploaded. | 03/30/2026 | Homeownership Counseling Disclosure Is Present or XXX | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 40.65% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.65% is less than Guideline CLTV of 80% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 36943 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FCOM3608 | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. Please provide either a signed intent to proceed document or provide the date the borrower gave the lender/broker their intent to proceed | Document Uploaded. | 03/30/2026 | Proof of Intent to Proceed has been provided. | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 40.65% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.65% is less than Guideline CLTV of 80% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 36943 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 03/30/2026 | Required Affiliated Business Disclosure Documentation Provided | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 40.65% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.65% is less than Guideline CLTV of 80% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 36943 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/26/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 40.65% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.65% is less than Guideline CLTV of 80% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 55733 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | 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 XXX/XXX/XXX, however missing proof of e-consent dated XX/XX/XXXX or before | Document Uploaded. | 04/06/2026 | Evidence of eConsent is provided. | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.36% is less than Guideline CLTV of 65% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 52.36% is less than Guideline LTV of 65% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 55733 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.36% is less than Guideline CLTV of 65% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 52.36% is less than Guideline LTV of 65% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 55733 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.36% is less than Guideline CLTV of 65% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 52.36% is less than Guideline LTV of 65% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 57778 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/25/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 57778 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/25/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 57778 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/25/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 30423 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX on the LE dated XX/XX/XXXX to XXX on the final CD dated XX/XX/XXXX for the transfer taxes. 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). | Document Uploaded. | 04/13/2026 | cure package provided, exception downgraded to a 2/B; cure package provided, exception downgraded to a 2/B; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX on the to XXX on the final CD dated XX/XX/XXXX for the transfer taxes without a COC. Cure on final CD applied to increase in appraisal fee without a COC. | 04/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 30423 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX on the LE dated XX/XX/XXXX to XXX on the final CD dated XX/XX/XXXX for the recording fee. This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | Document Uploaded. | 04/13/2026 | cure package provided, exception downgraded to a 2/B; cure package provided, exception downgraded to a 2/B; TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX on the final CD dated XX/XX/XXXX for the recording fee without a COC. Cure on final CD applied to increase in appraisal fee without a COC. | 04/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 30423 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX 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 XXX business days prior to consummation on XXX/XXX/XXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he 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. | Document Uploaded. | 04/09/2026 | Initial CD received - exception resolved; Initial CD received - exception resolved | 04/10/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 30423 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | Rescinded | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing. Missing refreshed Credit Report within XXX days of closing date per guidelines. | Document Uploaded. | 04/08/2026 | Rescinded - Gap reports are no longer required. | 04/09/2026 | C B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 30423 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  | Informational | 04/07/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 94154 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 03/30/2026 | Required Affiliated Business Disclosure Documentation Provided | 03/31/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 64.16% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.16% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 94154 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Guidelines, dated XXX/XXX/XXX, for ITIN Borrowers qualifying using the XXX month personal bank Statement program require XXX months of business bank Statements. The business bank Statements must reflect business activity and transfers to the personal account. The bank Statements the Borrower provided are in his personal name, not matching the Final 1003 listing his personal name with "XXX" following his name. Please provide the business bank Statements or a letter of explanation that there is no business account. | Rebuttal: In regard to the below condition the loan was underwritten as a co-mingled account, not solely the business acct. Please see the underwriting explanation below: Income and Employment Do Not Meet Guidelines Guidelines, dated XXX/XXX/XXX, for ITIN Borrowers qualifying using the XXX month personal bank Statement program require XXX months of business bank Statements. The business bank Statements must reflect business activity and transfers to the personal account. The bank Statements the Borrower provided are in his personal name, not matching the Final 1003 listing his personal name with "XXX" following his name. Please provide the business bank Statements or a letter of explanation that there is no business account. This was qualified and should remain as a co-mingled/business account, not a business account. | 03/31/2026 | Income and Employment Meet Guidelines | 03/31/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 64.16% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.16% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 94154 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established XXX and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML with established XXX and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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 | 03/26/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 64.16% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.16% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 94154 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | finding-2502 | Compliance | XXX Nonprime Home Loan Test | HPML duplicate with established XXX and met appraisal requirements, therefore, downgraded to grade A. This loan failed the XXX nonprime home loan test he loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Nonprime Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. | HPML duplicate with established XXX and met appraisal requirements, therefore, downgraded to grade A. This loan failed the XXX nonprime home loan test he loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Nonprime Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. |  | HPML compliant | 03/26/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 64.16% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.16% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 94154 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/26/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 64.16% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.16% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 53348 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Report Not Provided within XXX% Tolerance. | Document Uploaded. | 04/20/2026 | Third party valuation product provided within tolerance.; Field review provided. | 04/24/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 53348 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Desk Review Fee and an increase from XXX to XXX for the appraisal fee. A partial reimbursement in the amount of XXX was given, however it was not enough to cure the entire failure. | Document Uploaded. ; Document Uploaded. | 04/21/2026 | Valid COC provided; exception resolved ; Valid COC provided; exception resolved ; The COC did not contain a valid reason for the addition of the fee; provide clarification | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 53348 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 58162 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2026 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation Required: The disbursement date of XX/XX/XXXX is on or before the cancel by date on the ROR listed as XXX/XXX/XXX. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, new ROR providing XXX days right to cancel | Document Uploaded. | 04/24/2026 | FSS provided with updated disbursement date; exception resolved; FSS provided with updated disbursement date; exception resolved | 04/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.97% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 69.97% is less than Guideline LTV of 90% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 58162 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/23/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.97% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 69.97% is less than Guideline LTV of 90% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 58162 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/23/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.97% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 69.97% is less than Guideline LTV of 90% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 89832 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Cured | finding-1124 | Compliance | NJ HOSA XXX High-Cost Home Loan Points and Fees Threshold Test | This loan failed the high-cost home loan points and fees threshold test. (NJ AB XXX § 3.), (NJ SB XXX § 2.)The total points and fees of this loan, which are XXX exceed one of the following thresholds based on the total loan amount, which is $XXX:Either the total points and fees exceed XXX% of the total loan amount if the total loan amount is XXX or more; orThe total points and fees exceed XXX% of the total loan amount if the total loan amount is XXX or more but less than $XXX; orThe total points and fees exceed the lesser of XXX% of the total loan amount or XXX if the total loan amount is less than XXX Cure required: Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The following fees were included in the calculation: Application Fee paid by Borrower: XXX Commitment Fee paid by Borrower: XXX Flood Certification - Single Charge or Life of Loan paid by Borrower: XXX Notice of Settlement Fee paid by Borrower: XXX Points - Loan Discount Fee paid by Borrower: XXX Recording Service Fee paid by Borrower: XXX Settlement or Closing Fee paid by Borrower: XXX Settlement or Closing Fee paid by Seller: XXX Title Closing Protection Letter (CPL) [ Closing Protection Letter Fee ] paid by Borrower: XXX Title Courier Fee paid by Borrower: XXX Title Email Fee paid by Borrower: XXX Title Processing Fee paid by Borrower: XXX Title Wire [ Wire Transfer Fee ] paid by Seller: $XXX. If Discount Points are bonafide and excludable, providing the PAR (undiscounted) rate may cure the violation. | Document Uploaded. | 04/01/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. | 04/02/2026 | Borrower has stable job time - Borrower has XXX years on job. D C A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| 89832 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | FCOM1252 | Compliance | TRID: Missing Loan Estimate | There is no evidence of any LE's and Service Provider List in the loan file. Unable to perform proper TRID testing. | Document Uploaded. | 04/01/2026 | Initial and revised LE received - exception resolved | 04/02/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| 89832 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | 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 XXX/XXX/XXX. | Document Uploaded. | 04/01/2026 | Evidence of eConsent is provided. | 04/02/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| 89832 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XXX/XXX/XXX. | Document Uploaded. | 04/01/2026 | Homeownership Counseling Disclosure Is Present or XXX | 04/02/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| 89832 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | FCOM3608 | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. Documentation required to clear exception: Please provide the Intent to Proceed. | Document Uploaded. | 04/01/2026 | Proof of Intent to Proceed has been provided. | 04/02/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| 89832 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/30/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| 89832 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/30/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| 57286 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | Documentation Required: The disbursement date of XX/XX/XXXX is before the cancel by date on the ROR listed as XXX/XXX/XXX. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, new ROR providing XXX days right to cancel This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. | Document Uploaded. | 04/03/2026 | PCCD with updated disbursement date provided; exception resolved; PCCD with updated disbursement date provided; exception resolved | 04/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.83% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 69.83% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 57286 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCRE1146 | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present. Title documentation does not reflect the title coverage amount. | Document Uploaded. | 04/02/2026 | Title Document is fully Present.; Evidence provided | 04/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.83% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 69.83% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 57286 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.83% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 69.83% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 22069 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | 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 XXX/XXX/XXX. | Document Uploaded. | 04/15/2026 | Evidence of eConsent is provided. | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 22069 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 22069 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 37266 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/13/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 37266 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/13/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 37266 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/13/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 51271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Acknowledged | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Max Acres allowed per Guidelines is XXX Property has XXX acres. Exception approval: XX/XX/XXXX VD Exception for XXX acres vs XXX acres max approved. Field review report supports value. Compensating Factors: DTI> than XXX% below program requirement / DSCR > XXX High discretionary income; XXX years in current job | Property/Appraisal guideline violation: Max Acres allowed per Guidelines is XXX Property has XXX acres. Exception approval: XX/XX/XXXX VD Exception for XXX acres vs XXX acres max approved. Field review report supports value. Compensating Factors: DTI> than XXX% below program requirement / DSCR > XXX High discretionary income; XXX years in current job |  | Exception approval: XX/XX/XXXX VD Exception for XXX acres vs XXX acres max approved. Field review report supports value. Compensating Factors: DTI> than XXX% below program requirement / DSCR > XXX High discretionary income; 5years in current job | 04/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 51271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 51271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 99399 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/08/2026 | Resolved | FCRE1133 | Credit | Purchase Contract Expiration Date is prior to XXX |  | Document Uploaded. | 05/12/2026 | Extension provided. | 05/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.64% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 63.64% is less than Guideline LTV of 80% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 99399 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/11/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.64% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 63.64% is less than Guideline LTV of 80% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 27168 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/27/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the closing co-ordination fee on the CD issued XX/XX/XXXX without a valid reason. 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). | Document Uploaded. ; Document Uploaded. | 05/12/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. ; Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. ; the COC provided did not resolve the exception, it does not list a valid reason for the closing coordination fee to increase | 05/13/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 27168 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/27/2026 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC or SPL to determine if the borrower's shopped for fees. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the abstract fee, XXX to XXX for the lender's title policy fee, XXX to XXX for the settlement fee, XXX to XXX for title closing protection letter fee, XXX to XXX for the title courier fee, XXX to XXX for the e-recording fee, XXX to XXX for the email fee, XXX to $ XXX for the title endorsement fee, XXX to XXX for the ILAPD fee, XXX to XXX for the title update fee, and XXX to XXX for the wire fee. All the original fees are from the XX/XX/XXXX LE and the final fees are from the PCCD dated XXX/XXX/XXX. This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | Document Uploaded. | 04/29/2026 | SSPL provided; exception resolved ; SSPL provided; exception resolved ; Document Uploaded. SSR uploaded; COC provided did not resolve the exception, all title fees are included in testing due to missing the SSPL dated within XXX business days of application | 05/04/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 27168 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/28/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 27168 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/28/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 84947 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84947 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84947 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 97576 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 97576 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 97576 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 59545 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Rescinded | FCRE1325 | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing CPA Letter required and not located within file | A CPA letter is not required in this instance. We used a XXX% expense ratio vs a different expense ratio from a CPA, we have validated how long the business has been opened and the operating agreement to verify percentage of ownership. | 04/22/2026 | Rescinded - Per client, " A CPA letter is not required in this instance. We used a XXX% expense ratio vs a different expense ratio from a CPA, we have validated how long the business has been opened and the operating agreement to verify percentage of ownership." ; Borrower 1 CPA Letter Provided; Agreed. CPA Letter is not required. | 04/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 59545 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 59545 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 60565 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2026 | Resolved | FCOM1252 | Compliance | TRID: Missing Loan Estimate | This loan failed the loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii)) The initial and/or any revised Loan Estimate is missing. As a result, a full review for compliance with timing and tolerance requirements could not be performed. The defect can be cured by providing the initial and any revised Loan Estimates that were issued to the consumer. | Document Uploaded. | 04/06/2026 | LE provided; exception resolves | 04/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX <=XXX LTV: Unlimited CASHOUT D | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 60565 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2026 | Resolved | FCOM3608 | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. Please provide either a signed intent to proceed document or provide the date the borrower gave the lender/broker their intent to proceed | Document Uploaded. | 04/06/2026 | Proof of Intent to Proceed has been provided. | 04/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX <=XXX LTV: Unlimited CASHOUT D | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 60565 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 04/06/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX <=XXX LTV: Unlimited CASHOUT D | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 60565 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX <=XXX LTV: Unlimited CASHOUT D | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 60565 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX <=XXX LTV: Unlimited CASHOUT D | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 58625 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 04/24/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/26/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 96410 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/02/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 96410 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/02/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 96410 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/02/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 87446 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Re-Cert Fee added on LE XXX/XXX/XXX. The COC provided doesn't validate fee addition as the reason is not specific. 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). | Document Uploaded. | 04/09/2026 | Valid COC received - exception resolved; Valid COC received - exception resolved | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C B | C A B | C A B | C A B | C A B | C A | A | A | A | A | A |
| 87446 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure Required. HPML Loan with established XXX and appraisal requirement met. Downgraded. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure Required. HPML Loan with established XXX and appraisal requirement met. Downgraded. |  | HPML compliant | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C B | C A B | C A B | C A B | C A B | C A | A | A | A | A | A |
| 87446 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FPRO1296 | Property | Was lowest appraised value used to qualify is No | Two appraisals in file, however the lowest appraised value was not used to qualify. Lender used Appraisal value XXX There is an AVM with a lower value pg.XXX | Two appraisals in file, however the lowest appraised value was not used to qualify. Lender used Appraisal value XXX There is an AVM with a lower value pg.XXX |  | Valuation used for LTV meets guidelines. | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C B | C A B | C A B | C A B | C A B | C A | A | A | A | A | A |
| 87446 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C B | C A B | C A B | C A B | C A B | C A | A | A | A | A | A |
| 26368 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/16/2026 | Resolved | 11518535082 | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX XXX XXXXX and XXX XXX XXXXX to XXX. | XXX: deed uploaded | 3/18/2026 | XXX: Deed received | 03/19/2026 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 26368 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/16/2026 | Resolved | 11518655491 | Property | Hazard Insurance Missing or Defective | Hazard Insurance provided is MISSING MORTGAGEe Clause. Please provide updated Hazard Insurance with Mortgagee Clause. | XXX: hoi uploaded | 3/19/2026 | XXX: HOI received | 03/19/2026 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 56987 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/17/2026 | Resolved | 11526833653 | Credit | Evidence of Primary Residence and Rent-Free Scenario Missing or Defective | Missing Verification of Primary Housing for property: XXX XXX XXX XXXXX | XXX: Uploaded Insurance Evidence | 3/19/2026 | XXX: Received Insurance Evidence | 03/19/2026 | 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 |
| 67368 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/19/2026 | Resolved | 92010203109-01 | Credit | No 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 |
| 25808 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/19/2026 | Resolved | 92010205176-01 | Credit | No 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 |
| 69592 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/23/2026 | Resolved | 92400204867-01 | Credit | No 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 |
| 54315 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/23/2026 | Resolved | 92300205814-01 | Credit | No 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 |
| 68741 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/24/2026 | Resolved | 90100201422-01 | Credit | No 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 |
| 25378 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/24/2026 | Resolved | 11581366730 | Credit | DSCR Minimum Not Met | XXX DSCR < XX/XX/XXXX minimum DSCR required for XXX. Monthly breakdown is as follows: XXX Income/ XXX P/I + XXX Insurance + XXX Taxes+ XXX HOA | XXX: Waiver | 3/24/2026 | XXX: Waiver received | 03/24/2026 | FICO above the minimum by XXX points or higher, Borrowers' contribution exceeds requirements by =>XXX%, VOR 0X30 in XXX months A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 87354 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/25/2026 | Resolved | 11592522976 | Property | Desk Review Variance > XXX% | Appraisal Review variance of XXX% > XXX% maximum allowed. | XXX: SSR uploaded | 4/2/2026 | XXX: Received SSR | 04/02/2026 | 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 |
| 85012 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/25/2026 | Resolved | 92300205676-01 | Credit | No 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 |
| 59424 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/25/2026 | Resolved | 92300205802-01 | Credit | No 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 |
| 97133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/25/2026 | Resolved | 92400200580-01 | Credit | No 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 |
| 22908 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/25/2026 | Resolved | 11595453575 | Credit | Note Missing or Defective | Missing prepayment addendum, Closing Disclosure reflects a XXX. Please upload or clarify. | XXX: PPP Addendum | 3/26/2026 | XXX: PPP Addendum uploaded | 03/26/2026 | D B A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 22908 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/25/2026 | Resolved | 11595599375 | Credit | Closing Documentation Missing or Defective | Purchase agreement was executed XX/XX/XXXX however, loan closed on XXX/XXX/XXX. Please provide updated purchase agreement. | XXX: Purchase agreement | 3/31/2026 | XXX: Purchase agreement received | 04/01/2026 | D B C A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 22908 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/25/2026 | Resolved | 11595699136 | Credit | Asset Documentation Missing or Defective | Missing Asset documentation | XXX: Bank Statement | 3/26/2026 | XXX: Bank Statement uploaded | 03/26/2026 | D B A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 22908 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/25/2026 | Acknowledged | 11595750536 | Property | Ineligible Property | Condotel is missing a separate bedroom | XXX: Exception Approval | 3/26/2026 | XXX: Exception Approval uploaded | 03/27/2026 | Borrowers' contribution exceeds requirements by =>XXX%, FICO above the minimum by XXX points or higher, DSCR > XX/XX/XXXX A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 43122 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/25/2026 | Resolved | 92010204684-01 | Credit | No 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 |
| 85982 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/25/2026 | Resolved | 92010201664-01 | Credit | No 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 |
| 85015 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/25/2026 | Resolved | 11596530659 | Credit | Closing Documentation Missing or Defective | Provided Closing Package including Note, Mortgage, Riders and Closing Disclosure are unsigned. Please provide the Executed Closing Package | XXX: Signed closing package | 3/26/2026 | XXX: Signed closing package uploaded | 03/26/2026 | 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 |
| 85015 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/25/2026 | Resolved | 11596547899 | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX XXXXX to XXX XXXXX XXXXX | XXX: Conveyance Deed | 3/26/2026 | XXX: Conveyance Deed uploaded | 03/26/2026 | 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 |
| 99761 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/25/2026 | Resolved | 92400204061-01 | Credit | No 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 |
| 11346 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/25/2026 | Resolved | 92010203885-01 | Credit | No 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 |
| 45544 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/25/2026 | Resolved | 11597227268 | Credit | Closing Documentation Missing or Defective | Missing executed Closing Documents: Note, Mortgage and Closing Disclosure | XXX: Closing docuements | 3/26/2026 | XXX: Closing documents received | 03/26/2026 | 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 |
| 91709 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/26/2026 | Resolved | 11602549152 | Credit | Title Insurance Missing or Defective | The provided preliminary title report is missing the mortgagee clause following the lender's name. Please provide an updated title supplement that includes the mortgagee clause after the lender's name | XXX: Title | 3/31/2026 | XXX: Received Title | 03/31/2026 | 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 |
| 91709 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/26/2026 | Resolved | 11602661957 | Credit | Closing Disclosure/Settlement Statement Missing or Defective | Missing closing disclosure/settlement Statement | XXX: Uploaded Settlement Statement | 3/30/2026 | XXX: Received Settlement Statement | 03/30/2026 | 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 |
| 82764 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/26/2026 | Resolved | 11605170741 | Credit | Entity Documentation - Missing or Defective | Missing Operating Agreement and EIN for Entity: XXX | XXX: Single member LLC documents | 3/30/2026 | XXX: Received single member confirmation | 03/31/2026 | 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 |
| 82764 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/26/2026 | Resolved | 11605853445 | Credit | Evidence of Primary Residence and Rent-Free Scenario Missing or Defective | Missing VOM for primary residence: XXX XXX | XXX: VOM | 3/30/2026 | XXX: Received VOM | 03/31/2026 | 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 |
| 77265 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/26/2026 | Resolved | 11606915744 | Credit | Subject Property Lease - Missing or Defective | Lease Agreement missing for Subject Property: XXX XXX | XXX: Lease uploaded | 3/30/2026 | XXX: Received Lease | 03/30/2026 | 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 |
| 93069 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/26/2026 | Resolved | 11607519429 | Credit | Entity Documentation - Missing or Defective | Missing executed Bylaws For: XXX XXX | XXX: entity vesting | 3/30/2026 | XXX: Confirmed single member | 03/30/2026 | 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 |
| 20504 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/27/2026 | Resolved | 92300201889-01 | Credit | No 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 |
| 16718 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/27/2026 | Acknowledged | 11616656046 | Property | Desk Review Variance > XXX% | Appraisal Review variance of XXX% > XXX% maximum allowed. | XXX: Uploaded 2nd Appraisal | 3/30/2026 | XXX: Received 2nd Appraisal, waiving using lower XXX | 03/30/2026 | LTV passes using lower appraisal value, FICO XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 65906 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/27/2026 | Acknowledged | 11616696624 | Property | Desk Review Variance > XXX% | Appraisal Review variance of XXX% > XXX% maximum allowed. | XXX: Automatic waive | 3/27/2026 | XXX: Automatically Waived | 03/27/2026 | LTV passes using lower appraisal value, FICO XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 71491 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/27/2026 | Resolved | 92010204029-01 | Credit | No 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 |
| 78938 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/27/2026 | Resolved | 92400203867-01 | Credit | No 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 |
| 70998 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/27/2026 | Resolved | 90000203736-01 | Credit | No 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 |
| 72380 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/03/2026 | Resolved | 90000204133-01 | Credit | No 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 |
| 67355 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/31/2026 | Resolved | 11638231788 | Credit | Title Insurance Coverage - XXX Coverage | Insufficient title coverage and missing lender's name with mortgagee clause. Title insurance coverage of XXX < XXX minimum coverage required, Please provide an updated title insurance policy reflecting XXX coverage and including the lender's name with mortgagee clause. | XXX: Title | 4/2/2026 | XXX: Title received | 04/02/2026 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 67355 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/31/2026 | Resolved | 11638286660 | Property | Flood Insurance Missing or Defective | Missing Flood Certificate For: XXX XXX | XXX: Flood Cert | 4/1/2026 | XXX: Flood Certificate uploaded | 04/01/2026 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 49943 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/31/2026 | Resolved | 92300206012-01 | Credit | No 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 |
| 73676 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/31/2026 | Resolved | 92400205409-01 | Credit | No 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 |
| 21570 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/31/2026 | Resolved | 92010199685-01 | Credit | No 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 |
| 35856 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/31/2026 | Resolved | 92010201778-01 | Credit | No 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 |
| 52031 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/31/2026 | Resolved | 92010202058-01 | Credit | No 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 |
| 60613 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/31/2026 | Resolved | 92010204312-01 | Credit | No 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 |
| 26333 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/31/2026 | Resolved | 11643187252 | Credit | Title Insurance Missing or Defective | Missing title supplement reflecting lender's name, mortgagee clause, and title coverage amount. | XXX: Title | 4/13/2026 | XXX: Title received | 04/13/2026 | 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 |
| 26333 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/31/2026 | Resolved | 11643184581 | Credit | Subject Property Lease - Missing or Defective | Missing lease agreement, evidence of 1st months' rent and security deposit for subject property: XXX XXX | XXX: Lease | 4/2/2026 | XXX: Lease received | 04/02/2026 | 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 |
| 22748 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/31/2026 | Acknowledged | 11643711134 | Credit | Insufficient Assets to Close | Assets of XXX < XXX minimum required for cash to close and reserves. | XXX: Exception Approval for short reserves | 4/8/2026 | XXX: Received exception approval for short reserves | 04/08/2026 | Borrowers' contribution exceeds requirements by =>XXX%, FICO above the minimum by XXX points o rhigher, VOR 0x30 in XXX months (checks for private), Rental history documented for almost three years showing paid as agreed. Prior XXX months mtg rating on credit showing paid on time. Strong overall credit profile along with DSCR over XX/XX/XXXX A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 64943 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/31/2026 | Resolved | 92300205906-01 | Credit | No 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 |
| 54120 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/31/2026 | Resolved | 92300205786-01 | Credit | No 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 |
| 18444 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/01/2026 | Resolved | 11654114585 | Credit | Closing Documentation Missing or Defective | Missing executed closing package documents: Note, Prepayment addendum, Security Instrument, Guaranty, Closing Disclosure or Settlement Statement, Deed, and all riders and addendums for: XXX XXX | XXX: GUARANTY UPLOADED FOR REVIEW | 4/6/2026 | XXX: Received closing docs | 04/06/2026 | 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 |
| 15174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/01/2026 | Resolved | 11654143556 | Credit | Background Check Missing or Defective | Missing Background Report for Guarantor XXX XXX. XXXXX and XXX | XXX: Fraud uploaded | 4/7/2026 | XXX: Received Fraud | 04/07/2026 | 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 |
| 15174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/01/2026 | Resolved | 11654168432 | Credit | Title Insurance Missing or Defective | Provided Preliminary Title Report is missing the Lender Name and Mortgagee Clause. Please provide an updated Title Policy reflecting the Lender Name with ISAOA/ATIMA verbiage included. | XXX: Updated Title | 4/6/2026 | XXX: Updated Title received | 04/06/2026 | 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 |
| 15174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/01/2026 | Resolved | 11654262207 | Credit | Subject Property Lease - Missing or Defective | Missing Lease Agreement for Subject Property located at: XXX XXX, XXX | XXX: Mo to MO | 4/10/2026 | XXX: Mo to MO | 04/10/2026 | 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 |
| 22908 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/01/2026 | Resolved | 11654933569 | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED | XXX: Deed | 4/1/2026 | XXX: Deed received | 04/01/2026 | D B A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 80598 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/01/2026 | Resolved | 92010204112-01 | Credit | No 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 |
| 26351 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/01/2026 | Resolved | 92010204116-01 | Credit | No 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 |
| 86112 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/01/2026 | Resolved | 92010204124-01 | Credit | No 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 |
| 80652 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/02/2026 | Acknowledged | 11662242148 | Property | Hazard Insurance Missing or Defective | Missing Rent loss Coverage in Hazard Insurance policy for the Subject Property: XXX XXX | XXX: Automatic waive | 4/1/2026 | XXX: Automatic waive received | 04/01/2026 | XXX months reserves greater than program requirement, Dscr above XXX C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 47764 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/03/2026 | Resolved | 92400204542-01 | Credit | No 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 |
| 55714 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/05/2026 | Resolved | 11690723290 | Credit | Insufficient Assets to Close | XXX assets < XXX minimum required to for cash to close and reserve requirements | XXX: XX/XX/XXXX Assets uploaded The total required funds for cash to close and reserves are $XXX. We have received a cashier's check for XXX which confirms that a portion of the borrower's funds has already been transferred to title. This amount has been updated in the Other Assets section with a note indicating that the funds were wired to title. | 4/9/2026 | XXX: Assets confirmed | 04/09/2026 | 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 |
| 87272 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/05/2026 | Resolved | 92400205605-01 | Credit | No 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 |
| 53792 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/08/2026 | Resolved | 92400202029-01 | Credit | No 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 |
| 43032 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/08/2026 | Resolved | 92300205819-01 | Credit | No 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 |
| 50121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/08/2026 | Resolved | 11702998577 | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX XXXXX XXXXX | XXX: Deed | 4/20/2026 | XXX: Deed received | 04/20/2026 | 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 |
| 73747 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/08/2026 | Resolved | 90000204114-01 | Credit | No 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 |
| 29317 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/08/2026 | Resolved | 11704255311 | Property | Hazard Insurance Missing or Defective | Hazard Insurance policy is missing ISAOA/ATIMA after the lender's name. Please provide an updated hazard insurance policy including ISAOA/ATIMA verbiage. | XXX: Updated insurance | 4/14/2026 | XXX: Insurance received | 04/14/2026 | 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 |
| 30887 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/08/2026 | Resolved | 92010203943-01 | Credit | No 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 |
| 75085 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/08/2026 | Resolved | 92010205684-01 | Credit | No 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 |
| 88110 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/08/2026 | Resolved | 11705316415 | Property | Desk Review Variance > XXX% | Appraisal Review variance of XXX% > XXX% maximum allowed. | XXX: field review | 4/21/2026 | XXX: field review received | 04/21/2026 | 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 |
| 55344 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/08/2026 | Resolved | 11705676174 | Credit | Asset Documentation Missing or Defective | Missing Asset documentation to cover cash to close and reserves in the amount of XXX | XXX: asset | 4/13/2026 | XXX: Received asset confirmation | 04/13/2026 | 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 |
| 16298 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2026 | Resolved | 92400204499-01 | Credit | No 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 |
| 41530 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/10/2026 | Resolved | 90000204139-01 | Credit | No 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 |
| 55992 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/10/2026 | Resolved | 11720594608 | Credit | Subject Property Lease - Missing or Defective | Lease in file reflects a rental amount of $XXX; however, payment records show the tenant paying $XXX. Please provide clarification or an updated lease agreement. | XXX: lease | 4/15/2026 | XXX: Lease received | 04/15/2026 | 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 |
| 65893 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/10/2026 | Acknowledged | 11721164387 | Property | Hazard Insurance Missing or Defective | Missing Rent loss Coverage | XXX: Automatic waive | 4/10/2026 | XXX: Automatic waive received | 04/10/2026 | XXX months reserves greater than program requirement, FICO XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 64127 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/10/2026 | Resolved | 92010202738-01 | Credit | No 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 |
| 38589 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/13/2026 | Acknowledged | 11736271966 | Property | Hazard Insurance Missing or Defective | Missing Rent loss Coverage | XXX: Automatic waive | 4/13/2026 | XXX: Automatic waive received | 04/13/2026 | XXX months reserves greater than program requirement, FICO XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 50588 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/13/2026 | Resolved | 92010201206-01 | Credit | No 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 |
| 22966 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/13/2026 | Resolved | 92010201208-01 | Credit | No 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 |
| 56251 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/14/2026 | Acknowledged | 11748034505 | Credit | General Eligibility | Borrower is ITIN which is ineligible per Investor DSCR guides | XXX: Exception in file | 4/14/2026 | XXX: Exception received | 04/14/2026 | Borrowers contribution exceeds requirements by =>XXX%, Fico XXX VOR/VOM XXX C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 56251 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/14/2026 | Resolved | 11748123606 | Credit | Title Insurance Missing or Defective | Provided Preliminary Title is missing Lender's name with ISAOA verbiage. Please provide updated Title Insurance or Title supplement. | XXX: Removed guideline | 4/24/2026 | XXX: Client removed guideline | 04/24/2026 | C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 60509 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/14/2026 | Resolved | 11750634951 | Credit | Evidence of Primary Residence and Rent-Free Scenario Missing or Defective | Missing Verification of Primary Housing. Please provide mortgage history or proof that borrower owns property free and clear | XXX: rent free letter | 4/17/2026 | XXX: Rent free letter received | 04/17/2026 | 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 |
| 57766 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/14/2026 | Resolved | 92010201209-01 | Credit | No 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 |
| 15701 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/14/2026 | Resolved | 92010201210-01 | Credit | No 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 |
| 59000 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/14/2026 | Resolved | 92010205493-01 | Credit | No 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 |
| 14125 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/15/2026 | Resolved | 92400205900-01 | Credit | No 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 |
| 18973 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/15/2026 | Resolved | 11757581994 | Credit | Title Insurance Missing or Defective | Insufficient Title Insurance coverage and MISSING MORTGAGEe clause following Lender's name. XXX Title Insurance coverage < XXX minimum coverage required. Please provide updated Title Commitment with sufficient coverage and ISAOA verbiage. | XXX: Updated Title | 4/20/2026 | XXX: Updated Title received | 04/20/2026 | 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 |
| 18973 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/15/2026 | Resolved | 11757572291 | Property | Hazard Insurance Missing or Defective | XXX Hazard Insurance coverage < XXX minimum coverage required. Please provide proof of replacement cost coverage or updated policy. | XXX: uploaded rce | 4/21/2026 | XXX: Received Replacement cost coverage | 04/21/2026 | 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 |
| 93343 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/16/2026 | Resolved | 11768861691 | Credit | Evidence of Primary Residence and Rent-Free Scenario Missing or Defective | Missing VOM for: XXX XXX | XXX: Property Free and Clear | 4/29/2026 | XXX: Received VOM | 04/29/2026 | 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 |
| 37991 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/16/2026 | Resolved | 92300205948-01 | Credit | No 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 |
| 37529 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/17/2026 | Resolved | 92400205375-01 | Credit | No 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 |
| 54245 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/20/2026 | Resolved | 11795151877 | Credit | Evidence of Primary Residence and Rent-Free Scenario Missing or Defective | Missing VOM for primary residence: XXX XXX | XXX: VOM | 4/22/2026 | XXX: VOM received | 04/22/2026 | 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 |
| 82497 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/20/2026 | Acknowledged | 11795419460 | Property | Hazard Insurance Missing or Defective | Missing rent loss coverage | XXX: Automatic waive | 4/20/2026 | XXX: Automatic waive received | 04/20/2026 | XXX months reserves greater than program requirement, FICO XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 66284 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/20/2026 | Resolved | 92300205989-01 | Credit | No 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 |
| 48074 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/20/2026 | Resolved | 92300205990-01 | Credit | No 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 |
| 12616 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/20/2026 | Resolved | 92300205994-01 | Credit | No 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 |
| 72846 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/20/2026 | Resolved | 11796814981 | Credit | Title Insurance Missing or Defective | Lender on Title does not match lender on Note, please provide updated Title or Title supplement | XXX: XXX this is a corresponding loan, and client has the option to list XXX or the Correspondent lender as the Mortgagee. | 4/24/2026 | XXX: Received clarification from client | 04/24/2026 | 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 |
| 56020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/21/2026 | Resolved | 92400205657-01 | Credit | No 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 |
| 76748 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/21/2026 | Resolved | 92010203305-01 | Credit | No 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 |
| 37211 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/30/2026 | Resolved | 11891924926 | Credit | Closing Disclosure/Settlement Statement Missing or Defective | Missing Closing Disclosure/Settlement Statement Document. | XXX: Uploaded HUD | 5/4/2026 | XXX: Received HUD | 05/04/2026 | 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 |
| 64521 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/30/2026 | Resolved | 92010205680-01 | Credit | No 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 |
| 62521 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/07/2026 | Resolved | 92010205837-01 | Credit | No 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 |
| 12214 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/11/2026 | Resolved | 92400205797-01 | Credit | No 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 |
| 59388 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/11/2026 | Resolved | 92010202612-01 | Credit | No 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 |
| 48905 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/12/2026 | Resolved | 92010206005-01 | Credit | No 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 |
| 96012 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 3/17/2026 | Cleared | 11529261879 | Credit | Background Check Missing or Defective | Missing background check for guarantor: XXX | XXX/XXX: uploaded background |  | XXX: Received | 3/24/2026 | 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 |
| 96012 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 3/17/2026 | Cleared | 11529260846 | Credit | Credit Report Missing or Defective | Credit report in file does not include FICO scores or SSN. Please provide full credit report | XXX/XXX: uploaded full credit report |  | XXX: Received | 3/24/2026 | 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 |
| 96012 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 3/17/2026 | Cleared | 11532664767 | Credit | Asset Documentation Missing or Defective | Gift funds are ineligible for closing. The gift letter on file indicates the funds were transferred to the borrower on XXX/XXX/XXX, prior to loan application. As such, the funds should be reflected in the borrower's bank account Statements. | XXX/XXX: See attached gift letter, bank Statements, cancelled check for the gift funds and purchase contract. Gift funds were the Earnest Money Deposit on the attached sales contract that was executed on XXX/XXX/XXX. The Check for the Gift funds was made out to XXX XXX which is the attorney for the seller. |  | XXX: Documentation provided confirms gift funds were sent directly to closing, clear | 3/30/3026 | 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 |
| 39485 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 4/13/2026 | Cleared | 6251200971 | Credit | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 4/13/2026 | 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 |
| 31104 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 4/30/2026 | Cleared | 6260201441 | Credit | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 4/30/2026 | 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 |

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## Exhibit 99.3

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| **Loan Number** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **Agency ID** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** |
| 75455 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  |  | Yes | No | 8 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 78140 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 33893 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 00 | 0 |  | No | XXX |
| 54783 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 91388 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 93421 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 61298 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 37389 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 98021 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 10066 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 94378 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 28268 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 98203 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 18551 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 97921 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 27571 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 53306 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 61510 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 63660 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 44524 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 46300 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 93087 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 32553 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 59386 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 17820 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 34230 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 35902 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 74041 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 78765 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | Yes |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 83034 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 59919 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 91969 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | Yes | Yes | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 31297 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 66671 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 47397 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 23263 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 87346 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 40 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 25331 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 39 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 86209 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  |  | Yes | Yes | 60 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 17879 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 48832 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 94724 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 28094 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 56296 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 26966 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 | 100.00 |  |  | Yes | Yes | 792 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 35693 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 | 100.00 |  |  | Yes | Yes | 106 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 55427 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 53237 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 18133 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 32861 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 51560 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 40408 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 50606 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  |  | Yes | Yes | 101 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 76037 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 81891 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 84242 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 50.00 | 50.00 |  |  | Yes | Yes | 128 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 30946 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 46502 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 61 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 23323 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 33930 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 33.00 |  |  |  | Yes | Yes | 26 | No |  | 0 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 12229 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | Yes |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 60385 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Yes |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 44747 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 87898 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 58244 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 26 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 342 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 28805 |  | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 19184 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 300 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 22944 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 146 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 52116 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | No | 0 | Yes | 24 | 1 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 30563 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 25444 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 29419 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 48 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 53643 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 91063 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 23578 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Written Verification of Employment | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 108 | 0 | 2 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 33172 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 50.00 |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 59202 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 1.00 | 50.00 |  |  | Yes | Yes | 60 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 67374 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 111 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 43608 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 83723 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 40823 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 53200 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 39788 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 24 | No |  | 1 | 1 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 99515 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 120 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 31609 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 96 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 23660 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | Yes |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 18899 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 11 | Business and Personal | 100.00 |  |  |  | 90.00 |  |  |  | Yes | Yes | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 85054 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 39477 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 48 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 51658 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Audited | 24 | Yes | No | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 60378 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 24 | Yes | 19 | 0 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 72162 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | Yes | Yes | 3 | Personal | 100.00 |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  | 0 | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 60803 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 0 | 1 | No | 1 | 1 | 0 | 1 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 99340 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 30.00 |  |  |  | Yes | Yes | 23 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 62722 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 50.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 57343 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 50.00 |  |  |  | Yes | Yes | 81 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 53693 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 72 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 26671 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Borrower Prepared | 12 | Yes | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 86259 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | Yes | Yes | 3 | Personal | 100.00 |  |  |  |  |  |  |  | No | No | 0 | Yes | 61 | 0 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  | 0 | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 20402 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | Yes | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  | 0 | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 51245 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | Yes | Yes | 12 | No |  | 1 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 98151 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | CPA Verified | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | Yes | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 93167 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 22169 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 58585 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 86390 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 64669 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | Yes | Yes | 3 | Personal | 100.00 |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  | 0 | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 91599 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 1 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  | 0 | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 11174 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | Yes | 2 | Business | 100.00 |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | Yes | 48 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 52552 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 47 | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 61832 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 15 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 160 | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 51457 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 24 | Yes | No | 60 | No |  | 2 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 47231 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 77824 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 33.33 |  |  |  | Yes | Yes | 127 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 81112 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 33.30 | 33.40 |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 80544 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  | 100.00 |  |  | Yes | Yes | 282 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 63175 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 75 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 29885 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 1 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 66891 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 75 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 62468 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Business P&L | No | No | Yes | 3 | Business | 100.00 |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 25 | Yes | Yes | 98 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 62069 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 120 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 88970 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | Yes | No | 0 | Yes | 26 | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 82778 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No |  |
| 82326 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 72170 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 76255 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  | 40.00 |  |  | No | No | 0 | Yes | 126 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 11414 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 68 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 41525 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 40 | 2 | 0 | No | 3 | 3 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 25057 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  | 100.00 |  |  | Yes | Yes | 240 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 34258 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  | 0 | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 12411 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 50.00 |  |  |  | Yes | Yes | 96 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 42813 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 30050 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 80727 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 89 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 90269 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 50.00 | 50.00 | Borrower Prepared | 12 | Yes | No | 48 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 88638 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 51388 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  | 0 | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 21286 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | Yes | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | Yes | 43 | 0 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  | 0 | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 64686 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Audited | 12 | Yes | Yes | 276 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 71261 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 73899 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 50.00 | 50.00 |  |  | Yes | No | 298 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 80823 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 77 | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | Yes | XXX |  | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 25769 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 65 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 64818 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 48 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 28173 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 16 | 1 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 2 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 81351 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 144 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 31054 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 50.00 |  | Audited | 12 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 94388 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Audited | 12 | Yes | No | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 29261 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 120 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 97924 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 51 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 33459 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 30 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 39139 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  | 0 | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 74689 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 25 | 1 | 0 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  | 0 | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 48917 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 13745 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 63065 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 73.50 |  |  |  | Yes | No | 242 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 90786 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 70414 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  | 0 | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 85886 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 95915 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 27892 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 56612 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 1 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 60507 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | Yes | XXX |  | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 64002 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | Yes | Yes | 24 | No |  | 1 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 85526 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 64 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 96369 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  | 0 | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 68312 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 25 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 61129 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 95802 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  | 0 | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 72131 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 46176 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 50 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 72547 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 | 100.00 | Audited | 12 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 84266 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 121 | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | Yes | XXX |  | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 91228 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 63881 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | Yes | No | 133 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 91940 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | Yes | 3 | Business | 100.00 |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 18635 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 300 | No |  | 0 | 0 | No | 0 | 0 | 0 | 1 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 17893 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Audited | 12 | Yes | No | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 16149 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  | 100.00 |  |  | Yes | No | 75 | No |  | 2 | 0 | No | 2 | 2 | 0 | 1 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 44321 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 90 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 63681 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 33506 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | Yes | Yes | 3 | Personal | 100.00 |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  | 0 | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 12627 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 28096 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 16682 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 83072 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 71356 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 24 | Yes | No | 48 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 18225 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Business | 100.00 |  |  |  | 50.00 | 50.00 |  |  | Yes | Yes | 69 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 53377 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 12 | No |  | 0 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 3 | 0 | 0 |  | No | XXX |
| 84894 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Business and Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 66 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 62709 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | Yes | Yes | 4 | Personal | 100.00 |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  | 0 | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 36943 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 126 | 0 | 0 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 55733 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 180 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 57778 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 120 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 30423 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 94154 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 74 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 53348 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 58162 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | Yes | 2 | Business | 100.00 |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 60 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 89832 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 57286 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Audited | 12 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 22069 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 37266 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Borrower Prepared | 12 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 51271 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 99399 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 63 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 27168 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 1 | 0 | No | 0 | 0 | 0 | 1 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 84947 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 97576 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 59545 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 60565 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 60.00 |  |  |  | Yes | Yes | 300 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 58625 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 72 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 96410 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 87446 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 26368 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 97% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 56987 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 67368 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 100% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 25808 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 69592 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 60% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 54315 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | US Citizen | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 68741 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 50% | 50% |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 25378 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 22% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 87354 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 31 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | Yes | No | No |  |  |  |  |  |  | 100% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 85012 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 59424 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | Yes |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 97133 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.02 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 22908 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 50% | 50% |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 99761 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.02 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 85982 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 50% | 50% |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 45544 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 11346 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 50% | 50% |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 85015 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 43122 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 100% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 91709 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 82764 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 77265 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.02 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 71491 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 100% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 93069 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 20504 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 25% | 25% |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 16718 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 100% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.02 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 65906 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.02 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 78938 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 70998 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 100% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 72380 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 100% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 67355 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 100% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.02 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 49943 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 73676 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 21570 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 80% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.02 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 35856 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 80% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.02 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 52031 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.04 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 60613 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 85% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 26333 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 22748 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 100% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 64943 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 54120 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 15174 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 80598 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 50% | 50% |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 26351 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 50% | 50% |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 86112 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 50% | 50% |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 18444 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 31 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 100% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 80652 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 90% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 47764 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 81% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 55714 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 87272 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | Yes |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 53792 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.02 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 43032 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 50121 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 73747 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 50% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 30887 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 100% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 88110 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 100% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 29317 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 50% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 55344 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 100% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX | No | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 75085 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 16298 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 51% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.04 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 50588 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 51% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 22966 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 51% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 38589 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 41530 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 50% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 55992 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 100% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 65893 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 100% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  | XXX | XX/XX/XXXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 64127 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 33% | 33% |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 56251 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 57766 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 51% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 15701 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 51% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | Yes | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 60509 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 59000 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 50% | 50% |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 18973 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 90% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 14125 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 50% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 93343 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 37991 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 37529 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 54245 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  | XXX | XX/XX/XXXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 82497 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 66284 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 48074 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 50% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 12616 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 72846 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 56020 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 100% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.02 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 76748 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 100% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 37211 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 100% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 64521 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 100% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.02 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 62521 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 12214 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 59388 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 48905 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | 85% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | Yes | XXX |
| 96012 |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | Percent | 0.05 |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 39485 |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | Percent | 0.05 |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 31104 |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | Percent | 0.05 |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |

---

## Exhibit 99.3

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller 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** |
| 75455 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 78140 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 33893 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 54783 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 91388 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 93421 |  |  | $XXXXXX D | A | A | A | A | A C D B | A | A | A | A | A B |
| 61298 |  |  | $XXXXXX D | A | A | A | A | A C D B | A | A | A | A | A B |
| 37389 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 98021 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 10066 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 94378 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 28268 |  |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 98203 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 18551 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 97921 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 27571 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 53306 |  |  | $XXXXXX D | A | A | A | A | A B D | A | A | A | A | A B |
| 61510 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 63660 |  |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 44524 |  |  | $XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| 46300 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 93087 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 32553 |  |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A B |
| 59386 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 17820 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 34230 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 35902 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 74041 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 78765 |  |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 83034 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 59919 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 91969 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 31297 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 66671 |  |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 47397 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 23263 |  |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 87346 |  |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 25331 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 86209 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 17879 |  |  | $XXXXXX B | A | A | A | A | A B | A | A | A | A | A |
| 48832 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 94724 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 28094 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 56296 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 26966 |  |  | $XXXXXX B | A | A | A | A | A B | A | A | A | A | A |
| 35693 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 55427 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 53237 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 18133 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 32861 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 51560 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 40408 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 50606 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 76037 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 81891 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 84242 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 30946 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 46502 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 23323 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 33930 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 12229 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 60385 |  |  | $XXXXXX B | A | A | A | A | A B | A | A | A | A | A |
| 44747 |  |  | $XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 87898 |  |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| 58244 |  |  | $XXXXXX C | C | C | C | C | C A | A | A | A | A | A |
| 28805 |  |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| 19184 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 22944 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 52116 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 30563 |  |  | $XXXXXX C | B | B | B | B | B A C | A | A | A | A | A |
| 25444 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 29419 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 53643 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 91063 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 23578 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 33172 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 59202 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 67374 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 43608 |  |  | $XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 83723 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 40823 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 53200 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 39788 |  |  | $XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 99515 |  |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 31609 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 23660 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 18899 |  |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 85054 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 39477 |  |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 51658 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 60378 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 72162 |  |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 60803 |  |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 99340 |  |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 62722 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 57343 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 53693 |  |  | $XXXXXX A | B | B | B | B | B C A | A | A | A | A | A |
| 26671 |  |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| 86259 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 20402 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 51245 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 98151 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 93167 |  |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 22169 |  |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 58585 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 86390 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 64669 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 91599 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 11174 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 52552 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 61832 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 51457 |  |  | $XXXXXX A | B | B | B | B | B D A | A | A | A | A | A |
| 47231 |  |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| 77824 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 81112 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 80544 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 63175 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 29885 |  |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 66891 |  |  | $XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 62468 |  |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 62069 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 88970 |  |  | $XXXXXX A | D | D | D | D | D A | B | B | B | B | B A |
| 82778 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 82326 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 72170 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 76255 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 11414 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 41525 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 25057 |  |  | $XXXXXX A | A | A | A | A | A D | A | A | A | A | A |
| 34258 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 12411 |  |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 42813 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 30050 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 80727 |  |  | $XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 90269 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 88638 |  |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| 51388 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 21286 |  |  | $XXXXXX C | B | B | B | B | B A C | A | A | A | A | A |
| 64686 |  |  | $XXXXXX A | D | D | D | D | D A | A | A | A | A | A |
| 71261 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 73899 |  |  | $XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 80823 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 25769 |  |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 64818 |  |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 28173 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 81351 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 31054 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 94388 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 29261 |  |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 97924 |  |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 33459 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 39139 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 74689 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 48917 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 13745 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 63065 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 90786 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 70414 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 85886 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 95915 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 27892 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 56612 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 60507 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 64002 |  |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 85526 |  |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 96369 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 68312 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 61129 |  |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| 95802 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 72131 |  |  | $XXXXXX A | B | B | B | B | B C A | A | A | A | A | A B |
| 46176 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 72547 |  |  | $XXXXXX C | B | B | B | B | B A C | A | A | A | A | A |
| 84266 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 91228 |  |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 63881 |  |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 91940 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 18635 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 17893 |  |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| 16149 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 44321 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 63681 |  |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 33506 |  |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 12627 |  |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 28096 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 16682 |  |  | $XXXXXX B | D | D | D | D | D A | A | A | A | A | A |
| 83072 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 71356 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 18225 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 53377 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 84894 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 62709 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 36943 |  |  | $XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 55733 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 57778 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 30423 |  |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 94154 |  |  | $XXXXXX C | B | B | B | B | B A C | A | A | A | A | A |
| 53348 |  |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 58162 |  |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 89832 |  |  | $XXXXXX A | D | D | D | D | D A | B | B | B | B | B A |
| 57286 |  |  | $XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 22069 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 37266 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 51271 |  |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A B |
| 99399 |  |  | $XXXXXX B | A | A | A | A | A B | A | A | A | A | A |
| 27168 |  |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 84947 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 97576 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 59545 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 60565 |  |  | $XXXXXX A | D | D | D | D | D A | A | A | A | A | A |
| 58625 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 96410 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 87446 |  |  | $XXXXXX A | C | C | C | C | C B A | A | A | A | A | A |
| 26368 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |
| 56987 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 67368 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 25808 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 69592 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 54315 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 68741 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 25378 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 87354 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 85012 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 59424 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 97133 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 22908 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A B |
| 99761 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85982 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 45544 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 11346 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85015 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 43122 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 91709 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 82764 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 77265 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 71491 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 93069 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 20504 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 16718 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 65906 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 78938 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 70998 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 72380 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 67355 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 49943 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 73676 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 21570 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 35856 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 52031 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 60613 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 26333 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 22748 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 64943 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 54120 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 15174 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 80598 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 26351 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 86112 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 18444 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 80652 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 47764 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 55714 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 87272 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 53792 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 43032 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 50121 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 73747 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 30887 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 88110 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 29317 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 55344 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 75085 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 16298 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 50588 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 22966 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 38589 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 41530 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 55992 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 65893 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 64127 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 56251 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 57766 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 15701 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 60509 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 59000 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 18973 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 14125 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 93343 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 37991 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 37529 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 54245 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 82497 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 66284 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 48074 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 12616 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 72846 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 56020 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 76748 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 37211 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 64521 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 62521 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 12214 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 59388 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 48905 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 96012 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 39485 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 31104 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.3

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **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** |
| 75455 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 78140 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.67 | 66.67 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 33893 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.56 | 61.56 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 54783 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 91388 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 93421 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 61298 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 37389 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 98021 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 10066 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |  |
| 94378 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 28268 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 98203 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0090 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0090 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18551 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |  |
| 97921 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.46 | 54.46 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 27571 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 53306 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 61510 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 13.89 | 13.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 63660 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 44524 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0099 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0099 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 46300 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 53.28 | 53.28 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 93087 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.97 | 55.97 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 32553 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 59386 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 69.99 | 69.99 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17820 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.69 | 53.69 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |  |
| 34230 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 47.84 | 47.84 | $XXX | $XXX | -.0172 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0172 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 35902 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 29.58 | 29.58 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 74041 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | 55.0 | 55.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 78765 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.94 | 67.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 83034 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.05 | 74.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| 59919 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 91969 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 31297 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 66671 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 42.74 | 42.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 47397 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 23263 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 87346 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 73.79 | 73.79 | $XXX | $XXX | -.0227 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0227 | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 25331 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 86209 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0871 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0871 | XXX | Inadequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 17879 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.55 | 79.55 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 48832 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.39 | 48.39 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 94724 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.68 | 58.68 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 28094 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.23 | 69.23 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 56296 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 26966 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 35693 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 34.0 | 34.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 55427 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 53237 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 18133 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 39.22 | 39.22 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 32861 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 51560 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0309 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX | $XXX | 3.09% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 40408 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 50606 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0189 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0189 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0189 | XXX | Adequate | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 76037 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.18 | 68.18 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 81891 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 84242 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 30946 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 46502 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 23323 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 73.71 | 73.71 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 33930 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 84.76 | 84.76 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 12229 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 60385 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 46.37 | 46.37 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 44747 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.94 | 69.94 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |  |
| 87898 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 73.44 | 73.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 58244 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 33.75 | 33.75 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  |
| 28805 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 19184 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 22944 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 52116 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 30563 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 25444 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 29419 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 53643 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 91063 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 23578 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 33172 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.55 | 54.55 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |  |
| 59202 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.09 | 62.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 67374 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.67 | 51.67 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 43608 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 74.9 | 74.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 83723 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.53 | 64.53 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 40823 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 53200 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 53.66 | 53.66 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 39788 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.9 | 70.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 99515 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.0 | 52.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 31609 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 23660 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 18899 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0465 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0465 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 85054 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0283 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0283 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 39477 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1098 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |  |
| 51658 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 60378 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0812 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0812 | 84.0 | 0.16 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 72162 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.0 | 50.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0260 | 87.0 | 0.13 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |  |
| 60803 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.93 | 75.93 | $XXX | $XXX | -.0704 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0704 | 88.0 | 0.12 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 99340 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0007 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0007 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 62722 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0077 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0076 | 98.0 | 0.02 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 57343 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0600 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0600 | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 53693 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | -.0733 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0733 | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 26671 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0086 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0086 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 86259 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.99 | 64.99 | $XXX | $XXX | .0629 | AVM |  |  |  |  | $XXX | $XXX | .2655 | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | .0629 | 81.0 | 0.19 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 20402 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 51245 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0305 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0305 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 98151 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |  |
| 93167 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 22169 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.5 | 62.5 | $XXX | $XXX | -.2047 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.2047 | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 58585 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | -.0094 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0094 | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 86390 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 64669 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0022 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0022 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 91599 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0512 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0512 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |
| 11174 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | -.0294 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0294 | 91.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 52552 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0556 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0556 | 97.0 | 0.3 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| 61832 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0292 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0292 | 88.0 | 0.12 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 51457 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0412 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0412 | 91.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 47231 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | -.0918 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0918 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 77824 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.17 | 74.17 | $XXX | $XXX | -.0086 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0086 | 91.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 81112 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 80544 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0108 | 83.0 | 0.17 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63175 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.81 | 67.81 | $XXX | $XXX | -.1163 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1163 | 87.0 | 0.13 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 29885 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.1353 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1353 | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 66891 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0584 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0584 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| 62468 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.1293 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1293 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| 62069 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | -.0558 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0558 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 88970 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.21 | 77.21 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 82778 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 2090 Individual Coop Report | $XXX | 68.85 | 68.85 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 82326 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.91 | 74.91 | $XXX | $XXX | .0487 | 1004 URAR |  |  |  |  | $XXX | $XXX | .0487 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 72170 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.53 | 73.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 76255 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.04 | 67.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 11414 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 41525 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 40.0 | 40.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 25057 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 34258 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 12411 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 42813 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 30050 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 80727 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 90269 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.91 | 79.91 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 88638 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 51388 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.1 | 58.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 21286 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 64686 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 43.25 | 43.25 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 71261 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 73899 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 80823 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 25769 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 64818 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.99 | 79.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 28173 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |  |
| 81351 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.5 | 73.5 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 31054 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 94388 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.0 | 72.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 29261 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 97924 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 33459 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.98 | 89.98 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 39139 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 74689 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 48917 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |
| 13745 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 63065 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.58 | 72.58 | $XXX | $XXX | -.0645 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0645 | XXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |  |
| 90786 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 70414 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.98 | 74.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 85886 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 95915 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 45.43 | 45.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 27892 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 49.61 | 49.61 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 56612 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.99 | 79.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 60507 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 43.48 | 43.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 64002 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 85526 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |
| 96369 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 46.21 | 46.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 68312 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61129 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 42.62 | 42.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 95802 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | 1004 URAR |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 72131 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 46176 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 72547 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84266 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 91228 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 63881 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.09 | 73.09 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |
| 91940 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.06 | 58.06 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |  |
| 18635 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 35.71 | 35.71 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0214 | 82.0 | 0.18 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 17893 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0121 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 16149 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 44321 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 63681 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |  |
| 33506 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 12627 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.56 | 79.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 28096 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0008 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0008 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| 16682 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.8 | 53.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 83072 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.72 | 65.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 71356 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0093 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0093 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 18225 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.87 | 26.87 | $XXX | $XXX | -.0475 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0475 | 86.0 | 0.14 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| 53377 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.35 | 64.35 | $XXX | $XXX | -.3863 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.3863 | 80.0 | 0.2 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 84894 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0087 | AVM |  |  |  |  | $XXX | $XXX | .0190 | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | .0087 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 62709 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.4 | 73.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| 36943 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 40.65 | 40.65 | $XXX | $XXX | -.1900 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1900 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 55733 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.36 | 52.36 | $XXX | $XXX | .0223 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0223 | 91.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 57778 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0789 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0789 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |  |
| 30423 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | -.0185 | AVM |  |  |  |  | $XXX | $XXX | .0484 | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | $XXX | -.0185 | 82.0 | 0.18 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 94154 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 64.16 | 64.16 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 53348 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | High Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 58162 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.97 | 69.97 | $XXX | $XXX | -.0483 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0483 | 88.0 | 0.12 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 89832 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.7 | 59.7 | $XXX | $XXX | -.0344 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0344 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 57286 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.83 | 69.83 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0773 | 87.0 | 0.13 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 22069 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0394 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0394 | 77.0 | 0.23 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 37266 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.3 | 73.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 51271 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.5046 | 86.0 | 0.14 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 99399 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.64 | 63.64 | $XXX | $XXX | .0777 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0777 | 97.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.9 |  |
| 27168 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0105 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0105 | 98.0 | 0.02 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 84947 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0112 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0112 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 97576 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.98 | 74.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 59545 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 60565 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0055 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0055 | 80.0 | 0.2 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 58625 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.2 | 76.2 | $XXX | $XXX | -.1087 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1087 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 96410 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0735 | 73.0 | 0.27 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| 87446 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0005 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0005 | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 26368 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 56987 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 67368 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 69.46% | 69.46% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 25808 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 67.81% | 67.81% | $XXX | $XXX | -3.70% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -3.70% | 87% | 13% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 69592 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 54315 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 68741 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 25378 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 | $XXX | 40.98% | 40.98% | $XXX | $XXX | 26.84% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 26.84% | 90% | 10% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 87354 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 | $XXX | 58.38% | 58.38% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 85012 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 59424 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 48.96% | 48.96% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 97133 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 22908 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 | $XXX | 43.87% | 43.87% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 99761 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 66.67% | 66.67% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 85982 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 67.66% | 67.66% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 45544 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 11346 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 74.52% | 74.52% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85015 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 43122 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 91709 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 34.85% | 34.85% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 82764 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 51.72% | 51.72% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 77265 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 | $XXX | 67.67% | 67.67% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 71491 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 73.00% | 73.00% | $XXX | $XXX | 10.99% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 10.99% | 97% | 3% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 93069 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 40.24% | 40.24% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 20504 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 50.00% | 50.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 16718 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  | $XXX | $XXX | -13.00% | XX/XX/XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Not Eligible | 5 |  |
| 65906 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 71A | $XXX | 61.82% | 61.82% | $XXX | $XXX | -22.32% | BPO |  |  |  |  | $XXX | $XXX | -2.26% | XX/XX/XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -22.32% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 78938 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 | $XXX | 60.00% | 60.00% | $XXX | $XXX | -7.92% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -7.92% | 94% | 6% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 70998 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 72380 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 67355 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 49943 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 73676 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 44.44% | 44.44% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Not Eligible |  |  |
| 21570 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 35856 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 73.05% | 73.05% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 52031 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 65.00% | 65.00% | $XXX | $XXX | -0.19% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.19% | 96% | 4% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Eligible | 1 |  |
| 60613 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 26333 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 53.47% | 53.47% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 22748 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 64943 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 54120 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 50.00% | 50.00% | $XXX | $XXX | -4.67% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -4.67% | 96% | 4% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 15174 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 | $XXX | 44.44% | 44.44% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 80598 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Eligible | 1 |  |
| 26351 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 | $XXX | 67.56% | 67.56% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Eligible | 1 |  |
| 86112 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Eligible | 1 |  |
| 18444 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% | $XXX | $XXX | -1.17% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -1.17% | 96% | 4% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 80652 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 59.03% | 59.03% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Not Eligible |  |  |
| 47764 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 55714 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 58.76% | 58.76% | $XXX | $XXX | -1.50% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -1.50% | 95% | 5% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 87272 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 | $XXX | 41.18% | 41.18% | $XXX | $XXX | -0.23% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.23% | 91% | 9% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 53792 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 43032 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 40.94% | 40.94% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 50121 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 | $XXX | 41.67% | 41.67% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 73747 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 30887 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 80.00% | 80.00% | $XXX | $XXX | -0.17% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.17% | 97% | 3% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 88110 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 29317 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% | $XXX | $XXX | -5.01% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -5.01% | 97% | 3% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 55344 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 75085 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% | $XXX | $XXX | 15.84% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 15.84% | 90% | 10% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 16298 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 50588 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 40.28% | 40.28% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 22966 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 38589 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 57.19% | 57.19% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 41530 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 55992 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% | $XXX | $XXX | 10.08% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 10.08% | 93% | 7% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 65893 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% | $XXX | $XXX | 18.86% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 18.86% | 95% | 5% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 64127 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 71A | $XXX | 60.00% | 60.00% | $XXX | $XXX | 0.00% | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 56251 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 68.68% | 68.68% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 57766 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 62.73% | 62.73% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 15701 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 60509 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% | $XXX | $XXX | -7.29% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -7.29% | 90% | 10% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 59000 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% | $XXX | $XXX | -4.35% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -4.35% | 90% | 10% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 18973 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 14125 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 78.05% | 78.05% | $XXX | $XXX | 12.20% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 12.20% | 96% | 4% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 93343 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 37991 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 | $XXX | 57.41% | 57.41% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 37529 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 67.46% | 67.46% | $XXX | $XXX | -9.30% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -9.30% | 92% | 8% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 54245 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 82497 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 70.00% | 70.00% | $XXX | $XXX | -5.17% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -5.17% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Not Eligible |  |  |
| 66284 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 55.56% | 55.56% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 48074 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 12616 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 72846 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 37.50% | 37.50% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Not Eligible |  |  |
| 56020 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 76748 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 71A | $XXX | 75.00% | 75.00% | $XXX | $XXX | -2.38% | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -2.38% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 37211 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 50.00% | 50.00% | $XXX | $XXX | 0.08% | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Not Eligible | 2.6 |  |
| 64521 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 80.00% | 80.00% | $XXX | $XXX | 63.12% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 63.12% | 93% | 7% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 62521 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 61.60% | 61.60% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 12214 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 85.00% | 85.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 59388 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% | $XXX | $XXX | -2.07% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -2.07% | 91% | 9% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 48905 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Eligible | 1.9 |  |
| 96012 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 69.97% | 69.97% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 39485 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 31104 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |

---

## Exhibit 99.3

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 75455 | XXXXX |  | Property Type | XXX | XXX | Confirmed the subject property is a single family home with HOA |
| 78140 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date updated |
| 78140 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Cash out used as reserves |
| 78140 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | No assets on file |
| 78140 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | No assets on file |
| 33893 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 33893 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per desk review |
| 33893 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per final CD cash out used for reserves |
| 33893 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Per final CD cash out used for reserves |
| 33893 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per final CD cash out used for reserves |
| 54783 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | Per Final 1003. |
| 54783 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal. |
| 54783 | XXXXX |  | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD. |
| 54783 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per Assets. |
| 54783 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Per Assets. |
| 54783 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per Assets. |
| 93421 | XXXXX |  | Monthly Total Escrow Payment | XXX | XXX | tax and insurance, not including HOA |
| 61298 | XXXXX |  | Monthly Total Escrow Payment | XXX | XXX | Tax and Insurance, not including HOA |
| 37389 | XXXXX |  | Monthly Total Escrow Payment | XXX | XXX | Per Final HUD, estimated escrow is $XXX. Tape data includes HOA. |
| 94378 | XXXXX |  | Monthly Total Escrow Payment | XXX | XXX | Not including HOA |
| 27571 | XXXXX |  | Monthly Total Escrow Payment | XXX | XXX | Tax and HOI docs verify escrow of $XXX. |
| 61510 | XXXXX |  | Monthly Total Escrow Payment | XXX | XXX | Per Final HUD, estimated escrow is $XXX. |
| 63660 | XXXXX |  | Monthly Total Escrow Payment | XXX | XXX | Tax and Insurance, not HOA |
| 63660 | XXXXX |  | Originator DSCR | XXX | XXX | ULAW in the file reflects DSCR = XXX |
| 46300 | XXXXX |  | Monthly Total Escrow Payment | XXX | XXX | Tax and HOI docs verify total escrow of $XXX. |
| 93087 | XXXXX |  | Monthly Total Escrow Payment | XXX | XXX | Tax and HOI docs verify monthly escrow of XXX |
| 32553 | XXXXX |  | Monthly Total Escrow Payment | XXX | XXX | HOA not included |
| 35902 | XXXXX |  | Monthly Total Escrow Payment | XXX | XXX | no impounds |
| 78765 | XXXXX |  | Monthly Total Escrow Payment | XXX | XXX | not including HOA |
| 91969 | XXXXX |  | Monthly Total Escrow Payment | XXX | XXX | no impounds |
| 31297 | XXXXX |  | Monthly Total Escrow Payment | XXX | XXX | Per Final HUD, estimated escrow is $XXX. Tape data is estimated taxes, insurance and assessment including HOA. |
| 66671 | XXXXX |  | Monthly Total Escrow Payment | XXX | XXX | tax and insurance, not hOA |
| 47397 | XXXXX |  | Originator Doc Type | XXX | XXX | Per Loan Approval |
| 48832 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | XXXhip verified. |
| 56296 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | Updated, ID on file |
| 32861 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | XXXhip verified. Docs in file. |
| 32861 | XXXXX |  | Property Type | XXX | XXX | XXX verified via Appraisal report. |
| 44747 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX in file is XX/XX/XXXX |
| 87898 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | True data verified Per Initial 1003. |
| 58244 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed XXX using the initial applicaiton. |
| 28805 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed XXX with 1003. |
| 19184 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified XXX XX/XX/XXXX as per the Initial 1003 found in the file. |
| 19184 | XXXXX |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Verified loan XXX XX/XX/XXXX as per the Note in file. Loan term XXX-year fixed. |
| 22944 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX initial app date. XX/XX/XXXX. Confirmed with app and note |
| 52116 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Audit confirmed XXX of XX/XX/XXXX per Compliance Details in file. Tape reflects XX/XX/XXXX which does not correspond to the initial XXX. Audit figure of XX/XX/XXXX is supported by the Compliance documentation. |
| 30563 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified XXX XX/XX/XXXX as Per Initial 1003 signed by Borrower located in file. |
| 30563 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Verified Borrower 1 Self Employment as per XXX and tax transcripts in file. |
| 30563 | XXXXX |  | Originator Doc Type | XXX | XXX | Verified XXX years of tax transcripts plus XXX provided in file to support Alt income and employment documentation. |
| 25444 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Audit Verified — ApplicationDate XX/XX/XXXX vs. Compliance Details Date XX/XX/XXXX Compliance to review he compliance date sequence is consistent with the required notice and disclosure timeline. No adverse findings. |
| 53643 | XXXXX |  | Monthly Total Escrow Payment | XXX | XXX | Tax and Insurance, not HOA |
| 91063 | XXXXX |  | Monthly Total Escrow Payment | XXX | XXX | Per Final CD, estimated escrow is $XXX. Tape data is estimated taxes, insurance and assessment including HOA. |
| 59202 | XXXXX |  | Monthly Total Escrow Payment | XXX | XXX | no impounds |
| 43608 | XXXXX |  | Monthly Total Escrow Payment | XXX | XXX | not including hOA |
| 40823 | XXXXX |  | Monthly Total Escrow Payment | XXX | XXX | Tax & Insurance ot HOA |
| 53200 | XXXXX |  | Monthly Total Escrow Payment | XXX | XXX | tax and insurance, not HOA |
| 99515 | XXXXX |  | Monthly Total Escrow Payment | XXX | XXX | Per Final CD, estimated escrow is $XXX. Tape data is estimated taxes, insurance and assessment including HOA. |
| 18899 | XXXXX |  | Property Value | $XXX | $XXX | The appraisal reflects a XXX of XXX while the sale price is XXX Lower XXX used to qualify. |
| 18899 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statements. |
| 85054 | XXXXX |  | Property Value | $XXX | $XXX | XXX Updated as per Appraisal in file |
| 85054 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified asset Statements |
| 39477 | XXXXX |  | Property Value | $XXX | $XXX | Using Purchase price as XXX since it is lower than the appraised value |
| 39477 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 51658 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX- No Assets in File. |
| 51658 | XXXXX |  | Verified Doc Type | XXX | XXX | XXX-XXX |
| 60378 | XXXXX |  | Property Type | XXX | XXX | Appraisal p.XXX shows attached |
| 60378 | XXXXX |  | Qualifying FICO | XXX | XXX | CBR p.XXX shows XXX lowest mid score |
| 60378 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified assets Statements on file |
| 72162 | XXXXX |  | Property Type | XXX | XXX | XXX is SFR as per Appraisal |
| 72162 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated as per documents |
| 60803 | XXXXX |  | Qualifying FICO | XXX | XXX | Primary WE per guidelines |
| 60803 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | No assets has been reported hence reserves updated as per Deal guide |
| 99340 | XXXXX |  | Property Value | $XXX | $XXX | AV per the appraisal is XXX CU score XXX; therefore an AVM was not required |
| 99340 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX is the calculated reserve amount |
| 62722 | XXXXX |  | Property Type | XXX | XXX | Per Appraisal |
| 62722 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated as per the document. |
| 57343 | XXXXX |  | Property Type | XXX | XXX | Per Mortgage |
| 57343 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 53693 | XXXXX |  | Property Value | $XXX | $XXX | Value vs. XXX |
| 53693 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves not required |
| 26671 | XXXXX |  | Property Value | $XXX | $XXX | XXX was lower than the appraised value. Used the lower of the XXX for proper LTV calculations. |
| 26671 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified from assets and lender guidelines. |
| 26671 | XXXXX |  | Verified Doc Type | XXX | XXX | Verified from rate lock agreement or Conditional Loan Approval, qualified income docs provided and lender guidelines. |
| 86259 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated as per available asset balance. |
| 20402 | XXXXX |  | Property Value | $XXX | $XXX | value vs. XXX |
| 20402 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified Statements on file |
| 51245 | XXXXX |  | Property Value | $XXX | $XXX | XXX Updated as Per Appraisal. |
| 51245 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated as Per Assets. |
| 98151 | XXXXX |  | Property Value | $XXX | $XXX | True Date reflect Appraisal amount - Tape Date reflects XXX |
| 98151 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 98151 | XXXXX |  | Verified Doc Type | XXX | XXX | Per loan approval and income docs |
| 93167 | XXXXX |  | Property Type | XXX | XXX | PUD rider in File - Tape data reflect SFR per Appraisal which was not marked PUD |
| 93167 | XXXXX |  | Property Value | $XXX | $XXX | True Data reflects XXX - Tape Data reflects XXX |
| 93167 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Assets verified with Statements and proceed from sale of current home |
| 22169 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Post closing assets =XXX months reserves. |
| 58585 | XXXXX |  | Property Value | $XXX | $XXX | True data shows the appraisal value while the tape data shows the contract of sale XXX. |
| 58585 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated as per available asset balance. |
| 86390 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Updated as per the Initial 1003 document |
| 86390 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated as per the lender guidelines |
| 64669 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statement, |
| 91599 | XXXXX |  | Property Value | $XXX | $XXX | Audit value of XXX is appraised value. Tape data value of XXX is XXX. |
| 91599 | XXXXX |  | Qualifying FICO | XXX | XXX | Qualifying FICO of the primary wage earner. |
| 91599 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves calculated based on verified assets. |
| 11174 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the cash out. |
| 52552 | XXXXX |  | Property Value | $XXX | $XXX | Using Purchase price as XXX since it is lower than the appraised value |
| 52552 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 61832 | XXXXX |  | Property Type | XXX | XXX | pg446 XXX |
| 61832 | XXXXX |  | Property Value | $XXX | $XXX | Value vs XXX |
| 61832 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified assets on file |
| 51457 | XXXXX |  | Property Type | XXX | XXX | Per the Appraisal |
| 47231 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated as per the asset document |
| 77824 | XXXXX |  | Property Value | $XXX | $XXX | Verified with the appraisal. |
| 77824 | XXXXX |  | Qualifying CLTV | XXX | XXX | Verified with the appraisal and loan amount. |
| 77824 | XXXXX |  | Qualifying LTV | XXX | XXX | Verified with the appraisal and loan amount. |
| 77824 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statement. |
| 81112 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per compliance report |
| 81112 | XXXXX |  | Property Value | $XXX | $XXX | Using Purchase price as XXX since it is lower than the appraised value |
| 81112 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 80544 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the cash out. |
| 29885 | XXXXX |  | Property Value | $XXX | $XXX | True Data reflects Appraised Value - Tape Data Reflects XXX |
| 29885 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX account in file for Assets - Tape data only reflect XXX used by Lender |
| 66891 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Assets Short - Lender did not use most recent verification of funds |
| 62468 | XXXXX |  | Margin | XXX | XXX | Verified with the note. |
| 62468 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statement. |
| 62069 | XXXXX |  | Property Value | $XXX | $XXX | Value vs XXX |
| 62069 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified assets Statement on file |
| 88970 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Compliance |
| 88970 | XXXXX |  | Property County | XXX | XXX | Per Executed Mortgage |
| 88970 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per Cash Out as Cash Out can be used a reserves per guidelines |
| 82778 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statements. |
| 82778 | XXXXX |  | Verified Doc Type | XXX | XXX | Verified with the XXX and the provided income docs |
| 82326 | XXXXX |  | Property Value | $XXX | $XXX | XXX- Per Appraisal XXX |
| 82326 | XXXXX |  | Qualifying CLTV | XXX | XXX | XXX-Appraisal $XXX/ Loan Amount $XXX= XXX |
| 82326 | XXXXX |  | Qualifying LTV | XXX | XXX | XXX-Appraisal $XXX/ Loan Amount $XXX= XXX |
| 82326 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX-XXX Available assets. Per Lender guidelines cash-out reserves available for assets. |
| 72170 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX Should be update as Per Initial 1003 and E-Consent |
| 72170 | XXXXX |  | Property Type | XXX | XXX | Per Appraisal |
| 72170 | XXXXX |  | Property Value | $XXX | $XXX | XXX Should be update as per Appraisal document |
| 72170 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months Reserves per final XXX |
| 76255 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX- Per 1003 XX/XX/XXXX |
| 76255 | XXXXX |  | Property Type | XXX | XXX | XXX per Appraisal- PUD |
| 76255 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX-XXX |
| 11414 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | True Data reflects XXX - Tape Data reflects Closing Date |
| 11414 | XXXXX |  | Property Value | $XXX | $XXX | True Data reflects XXX - Tape Data relfects the XXX |
| 11414 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX no reserves required as per guideline. |
| 41525 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Audit verified XXX months of reserves after cash to close requirement was met |
| 25057 | XXXXX |  | Property Value | $XXX | $XXX | Purchase price lower than appraised value. Using PP as Value |
| 25057 | XXXXX |  | Qualifying FICO | XXX | XXX | Per credit report |
| 25057 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX per assets provided in file. |
| 34258 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX matches loan detail report pg. XXX |
| 34258 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX month reserves required per Lender Guidelines |
| 12411 | XXXXX |  | Property Value | $XXX | $XXX | Audit value of XXX is appraised value. Tape data value of XXX is XXX. |
| 12411 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves calculated based on verified assets. |
| 42813 | XXXXX |  | Property County | XXX | XXX | Per Deed p.XXX XXX |
| 42813 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Although program does not require reserves due to loan amount less than 1mil, lender used 6mo reserves for FTHB |
| 30050 | XXXXX |  | Property Type | XXX | XXX | SFR PUD |
| 30050 | XXXXX |  | Property Value | $XXX | $XXX | $XXX, PER APPRSL |
| 30050 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX MONTHS OF RESERVES REQUIRED |
| 80727 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Assets verified with reserves XX/XX/XXXX |
| 90269 | XXXXX |  | Qualifying CLTV | XXX | XXX | Rounding |
| 90269 | XXXXX |  | Qualifying FICO | XXX | XXX | Primary WE per guidelines |
| 90269 | XXXXX |  | Qualifying LTV | XXX | XXX | Rounding |
| 90269 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves required per Lender Guidelines |
| 88638 | XXXXX |  | Property Value | $XXX | $XXX | XXX updated as per appraisal |
| 88638 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX is auto populated and the reserves months updated as per guidelines |
| 51388 | XXXXX |  | Property County | XXX | XXX | Per Mortgage |
| 51388 | XXXXX |  | Qualifying FICO | XXX | XXX | Per middle score |
| 51388 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 21286 | XXXXX |  | Property Value | $XXX | $XXX | The property is valued at XXX per the appraisal dated XXX. |
| 21286 | XXXXX |  | Qualifying FICO | XXX | XXX | The lower of the XXX borrower's middle score is XXX |
| 21286 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | The post closing assets =XXX months reserves |
| 64686 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per CD |
| 71261 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX updated based on guidelines |
| 73899 | XXXXX |  | Property Value | $XXX | $XXX | Appraised value is XXX verified with appraisal and desk review/Purchase price was XXX verified with sales contract. |
| 73899 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Auditor verified all assets needed for closing and reserves. XX/XX/XXXX months reserve assets remain. |
| 73899 | XXXXX |  | Verified Doc Type | XXX | XXX | Borrowers are XXX and using XXX months Bank Statement income to qualify. |
| 80823 | XXXXX |  | Prepayment Penalty | XXX | XXX | Verified with the Note Prepayment addendum, |
| 80823 | XXXXX |  | Property Type | XXX | XXX | Verified with the appraisal. |
| 80823 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statements, |
| 25769 | XXXXX |  | Property Value | $XXX | $XXX | Using Purchase price as XXX since it is lower than the appraised value |
| 25769 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 64818 | XXXXX |  | Property Value | $XXX | $XXX | XXX pg.XXX shows XXX |
| 64818 | XXXXX |  | Qualifying CLTV | XXX | XXX | Rounding |
| 64818 | XXXXX |  | Qualifying LTV | XXX | XXX | Rounding |
| 64818 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified assets on file |
| 28173 | XXXXX |  | Property Value | $XXX | $XXX | Per the appraisal |
| 28173 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XX/XX/XXXX verified with assets |
| 81351 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Audit data based on XXX months PITI reserves per bank Statements provided. |
| 31054 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified if required per Lender guides per loan amount, validated the loan amount from the note and verified applicable assets available. |
| 94388 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 29261 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 97924 | XXXXX |  | Property Type | XXX | XXX | Verified PU from XXX pg.XXX |
| 97924 | XXXXX |  | Property Value | $XXX | $XXX | value vs. XXX |
| 97924 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified Statements on file |
| 33459 | XXXXX |  | Property Type | XXX | XXX | Per Appraisal |
| 33459 | XXXXX |  | Property Value | $XXX | $XXX | Using Purchase price as XXX since it is lower than the appraised value |
| 33459 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 39139 | XXXXX |  | Property Value | $XXX | $XXX | XXX = XXX |
| 39139 | XXXXX |  | Qualifying CLTV | XXX | XXX | XXX CLTV |
| 39139 | XXXXX |  | Qualifying LTV | XXX | XXX | XXX LTV |
| 39139 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves required |
| 74689 | XXXXX |  | Property Value | $XXX | $XXX | XXX-$XXX Per Appraisal. |
| 74689 | XXXXX |  | Qualifying FICO | XXX | XXX | Qualifying FICO- Credit report dated XX/XX/XXXX mid score XXX |
| 74689 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX-XXX |
| 74689 | XXXXX |  | Verified Doc Type | XXX | XXX | Per income documentation |
| 48917 | XXXXX |  | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | Verified per the Note. |
| 48917 | XXXXX |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Verified per the Note. |
| 48917 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified from assets and net proceeds from final CD. |
| 13745 | XXXXX |  | Property Type | XXX | XXX | Per Appraisal |
| 13745 | XXXXX |  | Property Value | $XXX | $XXX | value vs XXX |
| 13745 | XXXXX |  | Qualifying FICO | XXX | XXX | XXX lowest mid score |
| 13745 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified assets Statements on file |
| 63065 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 90786 | XXXXX |  | Property County | XX/XX/XXXX | XX/XX/XXXX | Per Mortgage |
| 90786 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 70414 | XXXXX |  | Property Value | XXX | XXX | Using Purchase price as XXX since it is lower than the appraised value |
| 70414 | XXXXX |  | Qualifying CLTV | XXX | XXX | Per XXX |
| 70414 | XXXXX |  | Qualifying LTV | $XXX | $XXX | Per XXX |
| 70414 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 85886 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 95915 | XXXXX |  | Property Value | XXX | XXX | XXX was confirmed with Appraisal |
| 95915 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves calculated based on verified assets. |
| 27892 | XXXXX |  | Qualifying FICO | $XXX | $XXX | Qualifying FICO is highest middle credit score for all borrowers. |
| 27892 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves calculated based on verified assets. |
| 56612 | XXXXX |  | Property Value | XXX | XXX | Using Purchase price as XXX since it is lower than the appraised value |
| 56612 | XXXXX |  | Qualifying FICO | XXX | XXX | Per middle score of primary wage earner. Lender used score of CB who is not primary |
| 56612 | XXXXX |  | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per assets |
| 60507 | XXXXX |  | Prepayment Penalty | XXX | XXX | PPP confirmed using PPP addendum to note/rider. |
| 60507 | XXXXX |  | Property County | XXX | XXX | XXX confirmed using mortgage. |
| 60507 | XXXXX |  | Property Type | XXX | XXX | XXX confirmed using appraisal. |
| 60507 | XXXXX |  | Property Value | XXX | XXX | Audit value of XXX is appraised value. Tape data value of XXX is XXX. |
| 60507 | XXXXX |  | Qualifying FICO | XXX | XXX | Per credit report |
| 60507 | XXXXX |  | Qualifying Total Reserves Number of Months | $XXX | $XXX | Reserves calculated based on verified assets. |
| 64002 | XXXXX |  | Property Value | XXX | XXX | Verified with the appraisal, the lower purchase price used to qualify. |
| 64002 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statements. |
| 85526 | XXXXX |  | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per Assets in File |
| 96369 | XXXXX |  | Application Date | XXX | XXX | pg.XXX and XXX confirm XX/XX/XXXX |
| 96369 | XXXXX |  | First Payment Date | XXX | XXX | Note p.XXX shows XX/XX/XXXX |
| 96369 | XXXXX |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Note p141 XX/XX/XXXX |
| 96369 | XXXXX |  | Qualifying Total Reserves Number of Months | XX/XX/XXXX | XX/XX/XXXX | Verified assets Statements on file |
| 68312 | XXXXX |  | Qualifying Total Reserves Number of Months | XX/XX/XXXX | XX/XX/XXXX | Per assets |
| 68312 | XXXXX |  | Sales Price | XXX | XXX | Using Purchase price as XXX since it is lower than the appraised value |
| 61129 | XXXXX |  | Loan Product Type | XXX | XXX | Verified to Note |
| 61129 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified to cash out |
| 95802 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves not required when Asset Utilization is only source of income |
| 72131 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified with Bank Statements provided |
| 46176 | XXXXX |  | Application Date | XXX | XXX | Initial 1003 |
| 46176 | XXXXX |  | Property Value | XXX | XXX | Value vs XXX |
| 46176 | XXXXX |  | Qualifying Total Reserves Number of Months | XX/XX/XXXX | XX/XX/XXXX | Verified assets Statements on file |
| 72547 | XXXXX |  | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per assets |
| 84266 | XXXXX |  | Application Date | XXX | XXX | Updated as per the initial date provided in the Initial 1003. and the data Entry Proof sheet. |
| 84266 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated from the latest asset document. |
| 91228 | XXXXX |  | Property County | XX/XX/XXXX | XX/XX/XXXX | Per Mortgage |
| 91228 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 63881 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per XXX |
| 91940 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the asset Statements. |
| 18635 | XXXXX |  | Property Type | XXX | XXX | Per Appraisal |
| 18635 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in file |
| 17893 | XXXXX |  | Property Value | XXX | XXX | Verified to appraised value vs purchase price |
| 17893 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 16149 | XXXXX |  | Property Value | $XXX | $XXX | XXX confirmed using appraisal report, tape value reflects purchase price. |
| 16149 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 44321 | XXXXX |  | Qualifying Total Reserves Number of Months | $XXX | $XXX | Loan has the required assets. |
| 63681 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX confirmed using Asset docs available in the file. |
| 33506 | XXXXX |  | Property Value | XXX | XXX | Per Appraisal pg #XXX.. alue Opinion is $XXX vs PP-$XXX per Sales contract pg #XXX |
| 33506 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | AUDIT-Verified assets-$XXX minus FTC-$XXX. et Post close assets-$XXX. roposed PITIA=$XXX~XXX mos PITI reserves |
| 12627 | XXXXX |  | First Payment Date | $XXX | $XXX | Verified with Note |
| 12627 | XXXXX |  | Maturity Date | XXX | XXX | Verified with Note & Mortgage documents |
| 12627 | XXXXX |  | Qualifying Total Reserves Number of Months | XX/XX/XXXX | XX/XX/XXXX | Verified with Bank Statements |
| 28096 | XXXXX |  | Qualifying Total Reserves Number of Months | XX/XX/XXXX | XX/XX/XXXX | Verified if required per Lender guides per loan amount, validated the loan amount from the note and verified applicable assets available. |
| 16682 | XXXXX |  | Application Date | XXX | XXX | Verified with the initial 1003 |
| 16682 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statement and cash out. |
| 83072 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified XXX: XX/XX/XXXX From Initial 1003 Section XXX: Loan Originator Information. |
| 83072 | XXXXX |  | Qualifying FICO | XXX | XXX | Verified Qualifying FICO: XXX from Credit Report |
| 83072 | XXXXX |  | Qualifying Total Reserves Number of Months | XX/XX/XXXX | XX/XX/XXXX | The guideline reserve requirement for loan amounts between XXX and XXX is XXX months PITIA, which has been updated in the asset screen. In the Business Purpose – Approval and Guideline Screen, The LM Auto-Calculated Qualifying Total Reserves show XXX. and Tape Data show XX/XX/XXXX |
| 83072 | XXXXX |  | Verified Doc Type | XXX | XXX | XXX: XXX Month Bank Statement based on Borrower Income Documents. |
| 71356 | XXXXX |  | Property Value | XXX | XXX | Verified with the appraisal, the lower purchase price used to qualify. |
| 71356 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statements. |
| 71356 | XXXXX |  | Verified Doc Type | $XXX | $XXX | Verified with the income documents, income calculator, and XXX |
| 18225 | XXXXX |  | Application Date | XXX | XXX | XXX is correct based off URLA. |
| 18225 | XXXXX |  | Qualifying FICO | XXX | XXX | Primary WE per guidelines |
| 18225 | XXXXX |  | Qualifying Total Reserves Number of Months | XX/XX/XXXX | XX/XX/XXXX | Loan is refinance. |
| 53377 | XXXXX |  | Application Date | XXX | XXX | XXX XX/XX/XXXX Per Initial 1003 |
| 53377 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Cash proceeds can be used for XXX months PITI required reserves per guidelines |
| 84894 | XXXXX |  | Qualifying Total Reserves Number of Months | XX/XX/XXXX | XX/XX/XXXX | Verified to assets |
| 62709 | XXXXX |  | Application Date | XXX | XXX | Updated as per the document. |
| 62709 | XXXXX |  | Prepayment Penalty | XXX | XXX | Updated as per addendum. |
| 62709 | XXXXX |  | Qualifying Total Reserves Number of Months | XX/XX/XXXX | XX/XX/XXXX | Updated as per given asset document. |
| 36943 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified total assets using bank Statements |
| 55733 | XXXXX |  | Qualifying FICO | XXX | XXX | Primary WE per guidelines |
| 55733 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Update as per Guidelines |
| 57778 | XXXXX |  | Prepayment Penalty | XXX | XXX | Verified prepayment using the Note |
| 57778 | XXXXX |  | Property Value | XXX | XXX | Purchase price less than appraised value, using PP as value |
| 57778 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified borrower asset using bank Statements |
| 30423 | XXXXX |  | Application Date | $XXX | $XXX | Initial vs Final 1003 dates |
| 30423 | XXXXX |  | Property Type | XXX | XXX | Appraisal XXX-pg25 Condo |
| 30423 | XXXXX |  | Qualifying Total Reserves Number of Months | XX/XX/XXXX | XX/XX/XXXX | Verified asset Statements on file |
| 94154 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per CD |
| 53348 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified via lender guides again available assets. |
| 58162 | XXXXX |  | Application Date | XXX | XXX | Verified with the Final 1003 |
| 58162 | XXXXX |  | Loan Product Type | XXX | XXX | Verified with the Note and Final CD |
| 58162 | XXXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 58162 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statements |
| 89832 | XXXXX |  | Property Value | XX/XX/XXXX | XX/XX/XXXX | Appraised value is $XXX. Purchase price is $XXX |
| 89832 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | AUS reserves match true data. Tape includes gift funds |
| 57286 | XXXXX |  | Application Date | $XXX | $XXX | XXX is XX/XX/XXXX per initial loan application |
| 57286 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified reserves is XX/XX/XXXX months verified using most recent bank staement |
| 22069 | XXXXX |  | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | Updated as per Note Document p.XXX |
| 22069 | XXXXX |  | Maturity Date | XXX | XXX | Updated as per Note Document p.XXX |
| 22069 | XXXXX |  | Qualifying FICO | XX/XX/XXXX | XX/XX/XXXX | Updated as per Credit Report p.XXX |
| 22069 | XXXXX |  | Qualifying Total Reserves Number of Months | XX/XX/XXXX | XX/XX/XXXX | Updated as per Asset Documents |
| 37266 | XXXXX |  | Prepayment Penalty | XXX | XXX | Prepayment verified on Final CD |
| 37266 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Assets were verified with Funds from Closing and Statement #XXX in file |
| 51271 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 99399 | XXXXX |  | Application Date | XXX | XXX | XXX updated as Per Initial 1003 |
| 99399 | XXXXX |  | First Payment Date | XXX | XXX | XXX updated as per Note document. |
| 99399 | XXXXX |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | XXX updated as per Note document. |
| 99399 | XXXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | XXX update as per document. |
| 99399 | XXXXX |  | Qualifying Total Reserves Number of Months | XX/XX/XXXX | XX/XX/XXXX | Assets reserves updated. |
| 27168 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | confirmed with E-consent |
| 27168 | XXXXX |  | Property Value | XXX | XXX | Confirmed with appraisal |
| 27168 | XXXXX |  | Qualifying Total Reserves Number of Months | XX/XX/XXXX | XX/XX/XXXX | Reserves confirmed with guideline |
| 84947 | XXXXX |  | Application Date | $XXX | $XXX | Per Initial 1003 |
| 84947 | XXXXX |  | Property County | XXX | XXX | Per Mortgage |
| 84947 | XXXXX |  | Qualifying Total Reserves Number of Months | XX/XX/XXXX | XX/XX/XXXX | Per assets |
| 97576 | XXXXX |  | Property Type | XXX | XXX | Per Appraisal |
| 97576 | XXXXX |  | Property Value | XXX | XXX | The appraisal reflects a XXX of XXX while the sale price is XXX Additionally, the Tape Data shows a property valuation of XXX |
| 97576 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Post closing assets =XXX months reservess |
| 59545 | XXXXX |  | Property Value | $XXX | $XXX | True Date reflects the Appraised Value - Tape Data reflect XXX |
| 59545 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified with assets in file |
| 60565 | XXXXX |  | Qualifying Total Reserves Number of Months | $XXX | $XXX | Lender used c/o for reserves, which is acceptable. |
| 58625 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statement |
| 96410 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Qualifying Reserves verified XXX |
| 87446 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are not required loans less than XXX per guide |
| 26368 | XXXXX |  | Escrows | XXX | XXX | no XXX |
| 56987 | XXXXX |  | Co Borrower First Name | XXX | XXX | co-borrower |
| 56987 | XXXXX |  | Co Borrower Last Name | XXX | XXX | co-borrower |
| 56987 | XXXXX |  | Qualifying FICO | XXX | XXX | FICO XXX |
| 54315 | XXXXX |  | DSCR | XXXXX | XXXXX | XXX Rents / XXX PITIA = XX/XX/XXXX DSCR |
| 68741 | XXXXX |  | Qualifying FICO | XXX | XXX | XXX |
| 25378 | XXXXX |  | DSCR | XXX | XXX | XXX Rents / XXX PITIA = XXX DSCR |
| 85012 | XXXXX |  | Mo Pymt (P&I) | XXX | XXX | P&I is XXX |
| 59424 | XXXXX |  | DSCR | XXX | XXX | XXX Rents / XXX PITIA = XX/XX/XXXX DSCR |
| 59424 | XXXXX |  | T & I Payment | XXX | XXX | XXX Tax + XXX Ins + XXX HOA = XXX T&I |
| 22908 | XXXXX |  | Co Borrower First Name | XXX | XXX | co-borrower |
| 22908 | XXXXX |  | Co Borrower Last Name | XXX | XXX | co-borrower |
| 85015 | XXXXX |  | T & I Payment | XXX | XXX | XXX Tax + XXX Ins + XXX Flood + XXX HOA = T&I+HOA |
| 91709 | XXXXX |  | T & I Payment | XXXXX | XXXXX | XXX Tax + XXX Ins + XXX HOA = XXX |
| 82764 | XXXXX |  | DSCR | XXX | XXX | XXX Rents / XXX PITIA = XX/XX/XXXX DSCR |
| 82764 | XXXXX |  | Mo Pymt (P&I) | XXX | XXX | P&I is XXX |
| 82764 | XXXXX |  | T & I Payment | XXX | XXX | XXX Tax + XXX Ins = XXX T&I |
| 77265 | XXXXX |  | Mo Pymt (P&I) | XXX | XXX | P&I is XXX |
| 77265 | XXXXX |  | T & I Payment | XXX | XXX | XXX Tax + XXX Ins + XXX HOA = XXX T&I |
| 77265 | XXXXX |  | Escrows | XXX | XXX | Taxes only |
| 20504 | XXXXX |  | Mo Pymt (P&I) | XXX | XXX | P&I is XXX |
| 16718 | XXXXX |  | Mo Pymt (P&I) | XXX | XXX | P&I is XXX |
| 16718 | XXXXX |  | T & I Payment | XXX | XXX | XXX Tax + XXX Ins.= XXX T&I |
| 65906 | XXXXX |  | Qualifying FICO | XXX | XXX | FICO XXX |
| 65906 | XXXXX |  | Qualifying Value | XXX | XXX | BPO reflects XXX |
| 65906 | XXXXX |  | Original LTV | XXX | XXX | XXX loan amount / XXX = XXX% |
| 65906 | XXXXX |  | DSCR | $XXX | $XXX | XXX Rents / XXX PITIA = XX/XX/XXXX DSCR |
| 65906 | XXXXX |  | Mo Pymt (P&I) | XXX | XXX | P&I is XXX |
| 65906 | XXXXX |  | T & I Payment | XXX | XXX | XXX Tax + XXX Ins.= XXX T&I |
| 67355 | XXXXX |  | T & I Payment | XXX | XXX | XXX Tax + XXX Ins.= XXX T&I |
| 49943 | XXXXX |  | T & I Payment | XXX | XXX | XXX Tax + XXX Ins. + XXX HOA = XXX T&I |
| 26333 | XXXXX |  | Qualifying Value | XXX | XXX | appraisal reflects as-is value of XXX |
| 26333 | XXXXX |  | Original LTV | XXX | XXX | XXX loan amt / XXX = 53.47% LTV |
| 26333 | XXXXX |  | DSCR | $XXX | $XXX | XXX Rents / XXX PITIA = XX/XX/XXXX DSCR |
| 26333 | XXXXX |  | Mo Pymt (P&I) | XXX | XXX | P&I is XXX |
| 26333 | XXXXX |  | T & I Payment | XXX | XXX | XXX Tax + XXX Ins = XXX T&I |
| 22748 | XXXXX |  | Origination Date | XXX | XXX | XXX is XX/XX/XXXX |
| 64943 | XXXXX |  | DSCR | XXX | XXX | XXX Rents / XXX PITIA = XX/XX/XXXX DSCR |
| 64943 | XXXXX |  | Mo Pymt (P&I) | XX/XX/XXXX | XX/XX/XXXX | P&I is XXX |
| 64943 | XXXXX |  | T & I Payment | XXX | XXX | XXX + XXX Ins = XXX T&I |
| 54120 | XXXXX |  | Qualifying FICO | XXX | XXX | FICO XXX |
| 15174 | XXXXX |  | DSCR | XXX | XXX | XXX Rents / XXX PITIA = XX/XX/XXXX DSCR |
| 15174 | XXXXX |  | T & I Payment | XXX | XXX | XXX Tax + XXX Ins + XXX HOA = XXX T&I |
| 15174 | XXXXX |  | Escrows | XXX | XXX | no XXX |
| 80598 | XXXXX |  | Co Borrower First Name | XXX | XXX | co-borrower |
| 80598 | XXXXX |  | Co Borrower Last Name | XXX | XXX | co-borrower |
| 80598 | XXXXX |  | DSCR | XXX | XXX | XXX Rents / XXX PITIA = XX/XX/XXXX DSCR |
| 26351 | XXXXX |  | Co Borrower First Name | XXXXX | XXXXX | co-borrower |
| 26351 | XXXXX |  | Co Borrower Last Name | XXX | XXX | co-borrower |
| 86112 | XXXXX |  | Co Borrower First Name | XXX | XXX | co-borrower |
| 86112 | XXXXX |  | Co Borrower Last Name | XXXXX | XXXXX | co-borrower |
| 80652 | XXXXX |  | DSCR | XXX | XXX | XXX Rents / XXX PITIA = XX/XX/XXXX DSCR |
| 80652 | XXXXX |  | Mo Pymt (P&I) | XXXXX | XXXXX | P&I is XXX |
| 80652 | XXXXX |  | T & I Payment | XXX | XXX | XXX Tax + XXX Ins = XXX T&I |
| 47764 | XXXXX |  | DSCR | XXX | XXX | XXX Rents / XXX PITIA = XX/XX/XXXX DSCR |
| 43032 | XXXXX |  | Property Type | XXX | XXX | XXX UNITS |
| 43032 | XXXXX |  | DSCR | XXX | XXX | XXX Rent/ XXX PITIA = XX/XX/XXXX DSCR |
| 43032 | XXXXX |  | Mo Pymt (P&I) | XXX | XXX | Note reflects XXX |
| 43032 | XXXXX |  | T & I Payment | XXX | XXX | XXX Tax + XXX HOI = XXX T&I |
| 43032 | XXXXX |  | Prepayment Penalty |  | XXX | NO PREPAYMENT |
| 88110 | XXXXX |  | DSCR | XXX | XXX | XXX Lease and Market rent / XXX PITIA = XX/XX/XXXX DSCR |
| 29317 | XXXXX |  | Property Type | XXX | XXX | PUD TOWNHOME |
| 50588 | XXXXX |  | Property Type | XXX | XXX | XXX UNIT PROP |
| 55992 | XXXXX |  | DSCR | XXX | XXX | XXX Rent / XXX PITIA = XX/XX/XXXX DSCR |
| 64127 | XXXXX |  | Co Borrower First Name | XXX | XXX | co-borrower |
| 64127 | XXXXX |  | Co Borrower Last Name | XXX | XXX | co-borrower |
| 64127 | XXXXX |  | Qualifying FICO | XXX | XXX | using higher representitive score |
| 56251 | XXXXX |  | DSCR | XXXXX | XXXXX | XXX Rent / XXX PITIA = XX/XX/XXXX DSCR |
| 56251 | XXXXX |  | Mo Pymt (P&I) | XXX | XXX | Note reflects XXX |
| 56251 | XXXXX |  | T & I Payment | XXX | XXX | XXX Tax + XXX Ins = XXX T&I |
| 56251 | XXXXX |  | Escrows | XXX | XXX | TAXES AND INSURANCE |
| 60509 | XXXXX |  | DSCR | XXX | XXX | XXX Market Rent/ XXX PITIA = XX/XX/XXXX DSCR |
| 14125 | XXXXX |  | T & I Payment | XXX | XXX | XXX Tax + XXX Ins = XXX T&I |
| 93343 | XXXXX |  | Property Type | XXX | XXX | SFR |
| 93343 | XXXXX |  | Qualifying Value | XXX | XXX | As-is value per appraisal and appraisal review XXX |
| 93343 | XXXXX |  | Original LTV | XXX | XXX | XXX loan amt / XXX = 75.00% LTV |
| 93343 | XXXXX |  | DSCR | $XXX | $XXX | XXX / XXX PITIA = XX/XX/XXXX DSCR |
| 93343 | XXXXX |  | Mo Pymt (P&I) | XXX | XXX | Note reflects XXX |
| 93343 | XXXXX |  | T & I Payment | XXX | XXX | XXX Tax + XXX Ins = XXX T&I |
| 37991 | XXXXX |  | Qualifying Value | XXX | XXX | As-is value per appraisal and appraisal review XXX |
| 37991 | XXXXX |  | Original LTV | XXX | XXX | XXX loan amt / XXX = 57.41% LTV |
| 37991 | XXXXX |  | DSCR | $XXX | $XXX | XXX / XXX PITIA = XX/XX/XXXX DSCR |
| 37991 | XXXXX |  | T & I Payment | XXX | XXX | XXX Tax + XXX Ins + XXX HOA = XXX T&I |
| 37991 | XXXXX |  | Escrows | XXX | XXX | TAXES AND INSURANCE |
| 54245 | XXXXX |  | DSCR | XXX | XXX | XXX / XXX PITIA = XXX DSCR |
| 54245 | XXXXX |  | T & I Payment | XXX | XXX | XXX Tax + XXX Ins XXX HOA = XXX T&I |
| 82497 | XXXXX |  | Qualifying FICO | XXX | XXX | using higher representitive score |
| 82497 | XXXXX |  | DSCR | XXX | XXX | XXX / XXX PITIA = XX/XX/XXXX DSCR |
| 66284 | XXXXX |  | Qualifying FICO | XXX | XXX | using higher representitive score |
| 48074 | XXXXX |  | Property Type | XXX | XXX | SFR PUD |
| 48074 | XXXXX |  | DSCR | XXX | XXX | XXX / XXX PITIA = XX/XX/XXXX DSCR |
| 72846 | XXXXX |  | Qualifying FICO | XXX | XXX | using higher representitive score |
| 56020 | XXXXX |  | Qualifying FICO | XXX | XXX | XXX |
| 56020 | XXXXX |  | T & I Payment | XXX | XXX | XXX Tax + XXX Ins = XXX T&I |
| 62521 | XXXXX |  | Property No Units | XXX | XXX | XXX WITH ACCESSORY (XXX 1007s in file) |
| 39485 | XXXXX |  | Property Type | XXX | XXX | Appraisal reflects XXX-unit |
| 39485 | XXXXX |  | PITIA | XXX | XXX | Utilizing tax cert in file |
| 31104 | XXXXX |  | Property Type | XXX | XXX | Appraisal reflects XXX-unit |

---

## Exhibit 99.4

**Exhibit 99.4**

![](n5966_img001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary

BRAVO 2026-NQM6

Dated: June 12, 2026

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

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![](n5966_img003.jpg)

**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 Loan Funding Structure V LLC, (together with its affiliates the "Client"). The Review was conducted via files imaged and provided by the client or its designee for review.

**Sample size of the assets reviewed.** 

The final population of the Review covered 35 loans, consisting of 9 Residential Loans and 26 Business Purpose loans, totaling an aggregate original principal balance of approximately $14,747,032.00. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

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

The Review was conducted consistent with the criteria for S&P Global Ratings ("S&P"), and Fitch Ratings, Inc. ("Fitch"), and DBRS Inc., the NRSRO identified in Item 3 of the ABS Due Diligence-15E.

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

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

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

---

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

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

For each Loan, Evolve will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset

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![](n5966_img003.jpg)

documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h)title/preliminary title, (i) mortgage/ deed of trust, G) note, (k) certificate of business purpose / non-owner occupancy, (1) articles of incorporation, if applicable, (m) operating agreement, (n) background check and (o) leases.

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

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

***Credit Application***

 

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

***Credit Report***

 

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

***Borrowing Entity***

 

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

***Property Income***

 

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

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| ![](n5966_img002.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

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![](n5966_img003.jpg)

***Valuation Review***

 

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

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

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

***Asset Review***

 

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

***Insurance***

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

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| ![](n5966_img002.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

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![](n5966_img003.jpg)

***Title***

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

***Fraud / Criminal Background***

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

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

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

Review procedures include:

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

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

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

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

● Review additional items for confirmation of non-owner occupancy possibly including:

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

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

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

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

● Calculate DSCR as required by the guidelines

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

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

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![](n5966_img003.jpg)

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &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;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| A | 9 | 25.71% | 9 | 25.71% | 9 | 25.71% |
| B | - | 0.00% | - | 0.00% | - | 0.00% |
| C | - | 0.00% | - | 0.00% | - | 0.00% |
| D | - | 0.00% | - | 0.00% | - | 0.00% |
| N/A | 26 | 74.29% | 26 | 74.29% | 26 | 74.29% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &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;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| A | 34 | 97.14% | 34 | 97.14% | 34 | 97.14% |
| B | 1 | 2.86% | 1 | 2.86% | 1 | 2.86% |
| C | - | 0.00% | - | 0.00% | - | 0.00% |
| D | - | 0.00% | - | 0.00% | - | 0.00% |
| N/A | - | 0.00% | - | 0.00% | - | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** |

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**Property Valuation Results Summary**

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &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;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| A | 35 | 100.00% | 35 | 100.00% | 35 | 100.00% |
| B | - | 0.00% | - | 0.00% | - | 0.00% |
| C | - | 0.00% | - | 0.00% | - | 0.00% |
| D | - | 0.00% | - | 0.00% | - | 0.00% |
| N/A | - | 0.00% | - | 0.00% | - | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** |

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![](n5966_img003.jpg)

**Overall Results Summary**

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &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;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| A | 34 | 97.14% | 34 | 97.14% | 34 | 97.14% |
| B | 1 | 2.86% | 1 | 2.86% | 1 | 2.86% |
| C | - | 0.00% | - | 0.00% | - | 0.00% |
| D | - | 0.00% | - | 0.00% | - | 0.00% |
| N/A | - | 0.00% | - | 0.00% | - | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** |

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**Data Integrity Summary**

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| | | | |
|:---|:---|:---|:---|
| **Field Label** | **# Loans with Discrepancy** | **Total Time Compared** | **% Variance** |
| Amortization Type | 16 | 35 | 45.71% |
| Appraised Value | 3 | 35 | 8.57% |
| DSCR | 9 | 35 | 25.71% |
| Doc Type | 20 | 35 | 57.14% |
| First Payment Date | 19 | 35 | 54.29% |
| Index Type | 3 | 35 | 8.57% |
| Interest Only | 1 | 35 | 2.86% |
| Loan Purpose | 4 | 35 | 11.43% |
| Maturity Date | 16 | 35 | 45.71% |
| Note Date | 17 | 35 | 48.57% |
| Occupancy | 9 | 35 | 25.71% |
| Original Amortization Term | 4 | 35 | 11.43% |
| Original CLTV | 2 | 35 | 5.71% |
| Original Interest Rate | 2 | 35 | 5.71% |
| Original LTV | 2 | 35 | 5.71% |
| Original P&I | 20 | 35 | 57.14% |
| PITI | 31 | 35 | 88.57% |
| Prepayment Penalty | 10 | 35 | 28.57% |
| Prepayment Penalty Type | 15 | 35 | 42.86% |
| Product Code | 17 | 35 | 48.57% |
| Property City | 3 | 35 | 8.57% |
| Property Type | 15 | 35 | 42.86% |
| Property Zip | 2 | 35 | 5.71% |
| QM Status | 31 | 35 | 88.57% |
| Qualifying Credit Score | 6 | 35 | 17.14% |
| Qualifying DTI | 12 | 35 | 34.29% |
| Sales Price | 19 | 35 | 54.29% |

---

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![](n5966_img003.jpg)

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| Self-Employment Flag<sub>8</sub> | 35 | 22.86% |

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**APPENDIX A**

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

 ****

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

&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;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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(VI) Document Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

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

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

 

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

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

 

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

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

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

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

&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;

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

**(XI) FIRREA Review**

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

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

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

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

Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Evolve do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Evolve. Information contained in any Evolve report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client,

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or other agreed upon party, that has engaged Evolve to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Evolve are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Evolve does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Evolve.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&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;

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

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

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

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

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

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

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## Exhibit 99.4

![](evolved_logo.jpg)

**Rating Agency Grades**

**Run Date - 06/05/2026 9:46:33 AM**

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1689287 | XXXXXXXXX | XXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1688504 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1686681 | XXXXXXXXX | XXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1685440 | XXXXXXXXX | XXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686811 | XXXXXXXXX | XXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1687888 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687682 | XXXXXXXXX | XXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686481 | XXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1688019 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687842 | XXXXXXXXX | XXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1688029 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1686765 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687837 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 1688038 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688530 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1686718 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688304 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687612 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1688551 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688353 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1684205 | XXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1688239 | XXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687666 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687939 | XXXXXXXXX | XXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687831 | XXXXX | XXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1687726 | XXXXX | XXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688297 | XXXXXXXXX | XXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688030 | XXXXXXX | XXXXXXX | XXXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1688204 | XXXXXXX | XXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1688587 | XXXXXXXXX | XXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1689041 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1688305 | XXXXXXXXX | XXXXXXXXXX | XXXXXX A | D | D | D | D | D C A | A | A | A | A | A |
| 1686875 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1686355 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1687625 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.4

![](evolved_logo.jpg)

**Exception Detail**

**Run Date - 06/05/2026 9:46:33 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 1684205 | XXXXXXXXX | XXXXXXXXXXXXXX | 7685203 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Foreign XXXXXXXXXXXXX XXXXXXXXX for X | IN XXXX and XXXXXXXX XXXXXXXXXXXXX provided |  |  | 01/26/2026 |  | A | 1 | XXXXXXXXXX | IN | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1686355 | XXXXXXXXXX | XXXXXXXXXX | 7846168 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is<br> required. |  | Provide secondary valuation as XXX score was not determined. | Received XXX |  |  | 01/29/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1686355 | XXXXXXXXXX | XXXXXXXXXX | 7846665 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The XXXXXXXXXXX XXXXXXXX indicated the borrower''''s previous residence at XXX XXXXXXX XXXXX XXXXXXXXXXX XXX XXXXXX may have been in foreclosure as of XXXXXXXXXXXX XXX record of sale of the property in XXXXXX of XXXXX as indicated on the letter of explanation for the borrower''''s current residence. XXXXXXX provide clarity of the remark on the fraud documentation and verification of the borrowers previous residence to complete a XXX month housing history. XXXXXXX of explanation states the borrower lived with a parent from XXXXXXXXX | Received XXX for prior home sale |  | Reviewer 01/29/2026 06:35 PM; Received XXXXXX XXXXXXXX the final closing disclosure not to reflect a short sale or foreclosure. XXXXXXXX mortgage history also. did not see any mortgages listed on the credit report<br>| 02/18/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1686481 | XXXXXXXXX | XXXXXXXXXX | 8150974 | 862 | XXXXXXXXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | DOT references XXXXXXXXX as a XXXXXX but is signed individually, with no reference to XXXXXXXX XXXX other closing documents in file are signed by an individual and XXXXX does not reference a XXXXXXXX XXXXXXX provide corrected XXXXX referencing an individual borrower, along with a XXXXXXX of XXXXXXX to XXXXXXXXXXXX | Information provided |  |  | 02/20/2026 |  | A | 1 | XXXXXXXXXX | CT | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1686811 | XXXXXXXXX | XXXXXXX | 8161671 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Max XXXX XXXX for XXXXX with XXXXX < XXXXXXXX XXXXXXXXXX approval in file to allow XXXX XXXX with XXXXX < XXXXXX |  | Client waived with compensating factors: XXXXXXXXXXXX<br> XXXXXXXXXX XXX months reserve when XX months required<br> for exception. XXXXX XXXX when minimum requirement is<br> XXXXX |  |  |  | 02/12/2026 B | 2 | XXXXXXXXXX | PA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1686875 | XXXXXXXXXX | XXXXXXXXXX | 7993466 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing the borrowers government issued XXX and either the XXXXXXXXX or the XXXXXXX results. | Received XXX and XXXXX match from XXX |  |  | 02/09/2026 |  | A | 1 | XXXXXXXXXX | NJ | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1687612 | XXXXXXXXXX | XXXXXXXXXX | 8182296 | 875 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Other: |  | Loan must contain the XXXXX XXXXX confirmation. XXXXXXX provide XXXXX XXXXX XXXXXXXXXXXXXX | Information provided |  |  | 02/18/2026 |  | A | 1 | XXXXXXXXXX | OH | 2 | 1 C A | C | A |  | Non-QM | 1 |
| 1687612 | XXXXXXXXXX | XXXXXXXXXX | 8263277 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing the borrowers XXXX XXXXX or the XXXXXXX results required under the guidelines for all applicants. | Received XXXX match |  | Reviewer 02/18/2026 09:49 AM; LOE does not clear this condition. XXXXX requires XXXXXXX XXXXXXXXX XXXXX or XXXXXXX results.<br>Reviewer 02/18/2026 09:50 AM; See guidelines XXXXXXX XXXXX XXXXXXXXXXXXXXX XXXXX<br>| 03/03/2026 |  | A | 1 | XXXXXXXXXX | OH | 2 | 1 C A | C | A |  | Non-QM | 1 |
| 1687612 | XXXXXXXXXX | XXXXXXXXXX | 8263559 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide XXXXX XXXXX XXXXXXXXXXXXXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. | Received XXXXX XXXX |  |  | 02/18/2026 |  | A | 1 | XXXXXXXXXX | OH | 2 | 1 C A | C | A |  | Non-QM | 1 |
| 1687831 | XXXXX | XXXXX | 8325329 | 187 | XXXXXXXXXX | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Flood XXXXXXXXXXXX in file is for a different property. XXXXXX provide XXXXXX XXXXXXXXXXXX for correct property. | Documents received |  | Client 02/25/2026 12:26 PM; Making sure you saw that the<br> correct flood, hazard and title were uploaded yesterday<br>Reviewer 02/25/2026 01:33 PM; <br>Reviewer 02/26/2026 10:47 AM; Hello <br> XXXXX has been cleared. <br>XXXXXX<br>| 02/26/2026 |  | A | 1 | XXXXXXXXXX | PA | 3 | 13 D A | N/A | N/A |  | Exempt | 1 |
| 1687831 | XXXXX | XXXXX | 8325330 | 201 | XXXXXXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | Hazard insurance in file is for wrong property. XXXXXXX provide proof of insurance for correct property. | Documents received |  |  | 02/26/2026 |  | A | 1 | XXXXXXXXXX | PA | 3 | 13 D A | N/A | N/A |  | Exempt | 1 |
| 1687831 | XXXXX | XXXXX | 8325472 | 824 | XXXXXXXXXX | Credit | Title Policy |  | Title Policy - is missing. Final ALTA title policy required. |  | Title XXXXXXXXXXX in file is for wrong property. XXXXXXX provide XXXXXX XXXXXXXXXXX for correct property. | Documents received |  |  | 02/26/2026 |  | A | 1 | XXXXXXXXXX | PA | 3 | 13 D A | N/A | N/A |  | Exempt | 1 |
| 1687831 | XXXXX | XXXXX | 8385157 | 1006 | XXXXXXXXXX | Credit | UW Approval |  | UW Approval - UW Approval - 1008 or 92900 LT missing |  | Provide the signed and dated XXXXXXX XXXX XXXXX in file is not for the subject property. | XXXX provided |  |  | 02/24/2026 |  | A | 1 | XXXXXXXXXX | PA | 3 | 13 D A | N/A | N/A |  | Exempt | 1 |
| 1687837 | XXXXXXXXXX | XXXXXXXXXX | 8298658 | 875 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Other: |  | Loan must contain XXXXX XXXXX XXXXXXXXXXXXXXX XXXXXXX provide XXXXX XXXXX XXXXXXXXXXXXXX | Information provided |  |  | 02/24/2026 |  | A | 1 | XXXXXXXXXX | NC | 1 | 13 D A | C | A |  | Non-QM | 1 |
| 1687837 | XXXXXXXXXX | XXXXXXXXXX | 8305863 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide the XXXXXXXXXXXX XXXXXXXXXXXXXXXXX from XXXXXX noted on the XXXXX that is not dated. | Email chain for collateral review provided |  | Reviewer 02/19/2026 03:37 PM; Return file to underwriting when received.<br>Reviewer 02/25/2026 09:08 PM; Received XXXXX XXXXXX XXXXX returned to XXXXXXX XXX for review.<br>| 02/26/2026 |  | A | 1 | XXXXXXXXXX | NC | 1 | 13 D A | C | A |  | Non-QM | 1 |
| 1688029 | XXXXXXXXXX | XXXXXXXXXX | 8668523 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing final signed closing disclosure issued XXXXXXXXX showing cash back of XXXXXXXXXXX | Received final XX |  |  | 03/09/2026 |  | A | 1 | XXXXXXXXXX | CA | 1 | 3 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1688030 | XXXXXXX | XXXXXXX | 8398860 | 7 | XXXXXXXXXX | Credit | Application |  | Application - Completed, signed, initial application for all applicant not in file |  | Initial application, signed by XXXXXXXXX and XXX is missing from file. XXXXXXX provide initial application, signed and dated by XXXXXXXXX and XXXX | Information provided |  | Client 02/25/2026 12:01 PM; Uploaded - please clear file <br>Reviewer 02/25/2026 12:19 PM; <br>Reviewer 02/26/2026 10:42 AM; <br>| 02/25/2026 |  | A | 1 | XXXXXXXXXX | DE | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1688204 | XXXXXXX | XXXXXXX | 8462531 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing final signed and dated loan application. | Received business purpose loan application signed and dated by borrowers. |  |  | 03/02/2026 |  | A | 1 | XXXXXXXXXX | CT | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1688204 | XXXXXXX | XXXXXXX | 8446774 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXXXXXXX XXXXXXXX XXXXXXXXXXX | Information provided |  |  | 03/02/2026 |  | A | 1 | XXXXXXXXXX | CT | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1688204 | XXXXXXX | XXXXXXX | 8446775 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide all pages of personal guaranty for borrower XXXXX XXXXXXX XXXXXXXXXXXX | Information provided |  |  | 03/02/2026 |  | A | 1 | XXXXXXXXXX | CT | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1688204 | XXXXXXX | XXXXXXX | 8446776 | 879 | XXXXXXXXXX | Credit | Application |  | Application - Other: |  | Application missing XXX signature. XXXXXXX provide the initial application that is also signed | Information provided |  |  | 03/02/2026 |  | A | 1 | XXXXXXXXXX | CT | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1688204 | XXXXXXX | XXXXXXX | 8447505 | 957 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - First Payment Letter Missing or Incorrect |  | Total payment reflected on the XXXXXX payment letter is incorrect. XXXXXXX be XXXXXXXXXX | Information provided |  |  | 03/02/2026 |  | A | 1 | XXXXXXXXXX | CT | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1688305 | XXXXXXXXX | XXXXXXXXXX | 8608773 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  | Reviewer 03/11/2026 12:42 PM; Escalated for review<br>| 03/11/2026 |  | A | 1 | XXXXXXXXXX | NC | 1 | 13 D A | D | A C |  | Non-QM | 1 |
| 1688305 | XXXXXXXXX | XXXXXXXXXX | 8616216 | 973 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - CD- Other |  | Funding date is in the future. XXXXXXX provide proof that loan has funded. | Information provided |  | Reviewer 03/10/2026 10:29 AM; No documentation provided<br>| 03/11/2026 |  | A | 1 | XXXXXXXXXX | NC | 1 | 13 D A | D | A C |  | Non-QM | 1 |
| 1688305 | XXXXXXXXX | XXXXXXXXXX | 8616369 | 108 | XXXXXXXXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - is missing. |  | Please provide XXXXX signed at closing. | Information provided |  | Reviewer 03/10/2026 10:29 AM; No documentation provided<br>| 03/11/2026 |  | A | 1 | XXXXXXXXXX | NC | 1 | 13 D A | D | A C |  | Non-QM | 1 |
| 1688305 | XXXXXXXXX | XXXXXXXXXX | 8676635 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide an appraisal review or secondary valuation in accordance with guidelines. XXXXX the initial appraisal was provided. | Received XXXXX XXX score = X |  |  | 03/09/2026 |  | A | 1 | XXXXXXXXXX | NC | 1 | 13 D A | D | A C |  | Non-QM | 1 |
| 1688530 | XXXXXXXXXX | XXXXXXXXXX | 8587779 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing closing protection letter | Received XXX |  |  | 03/05/2026 |  | A | 1 | XXXXXXXXXX | NV | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1689041 | XXXXXXXXXX | XXXXXXXXXX | 8606667 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing final XXXXXXXXXXXXXXXXX XXXXXXX | Received final XXXX |  |  | 03/09/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1689287 | XXXXXXXXX | XXXXXXXXX | 8718524 | 380 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Lease Agreements |  | Missing copies of the two current leases for the subject property calling for monthly income of XXXXXXXXX | Received both current leases |  |  | 03/12/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1687831 | XXXXX | XXXXX | 8384733 | 380 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Lease Agreements |  | Provide the fully executed renewed lease for the subject property. | On page XXX of the lease it shows it will automatically renew for XXX months. |  | Client 02/24/2026 07:54 AM; On page XXX of the lease it shows it will automatically renew for XXX months. " XXXXXXXX XXXXXX<br> XXXXX lease shall automatically renew after the initial term of the lease. XXXX renewal term shall be (select <br> term): XXX XXXXXXX<br>Reviewer 02/24/2026 09:25 AM; <br>| 02/24/2026 |  | A | 1 | XXXXXXXXXX | PA | 3 | 13 D A | N/A | N/A |  | Exempt | 1 |
| 1687837 | XXXXXXXXXX | XXXXXXXXXX | 8306004 | 386 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Documents Expired |  | The most recent XXXX statement used to calculate income is dated XXXXXXXXXXXX which exceeds XXX days from the XXXXXXXXXXX XXXXX date. XXXXXXXX XXXX statements within XXX days of closing are required. | XX/XXXX XXXX statement provided |  | Reviewer 02/19/2026 03:37 PM; Return file to underwriting when received.<br>Reviewer 02/25/2026 10:22 AM; Documents received did not include XXXX statements within XXX days of closing<br>| 02/26/2026 |  | A | 1 | XXXXXXXXXX | NC | 1 | 13 D A | C | A |  | Non-QM | 1 |
| 1687837 | XXXXXXXXXX | XXXXXXXXXX | 8306287 | 1006 | XXXXXXXXXX | Credit | UW Approval |  | UW Approval - UW Approval - 1008 or 92900 LT missing |  | Provide a dated XXXXX XXXXXXXXXXXXXXXX XXXX XXXXX provided is not dated. | there is no space on the XXXXX for the date. |  | Reviewer 02/19/2026 04:03 PM; Return file to underwriting<br>Reviewer 02/25/2026 09:56 AM; <br>| 02/25/2026 |  | A | 1 | XXXXXXXXXX | NC | 1 | 13 D A | C | A |  | Non-QM | 1 |
| 1688305 | XXXXXXXXX | XXXXXXXXXX | 8608774 | 970 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - CD- Missing |  | Initial XXX is missing. | Information provided |  | Reviewer 03/10/2026 10:29 AM; No documentation provided<br>| 03/11/2026 |  | A | 1 | XXXXXXXXXX | NC | 1 | 13 D A | D | A C |  | Non-QM | 1 |

---

## Exhibit 99.4

![](evolved_logo.jpg)

**Valuation Report**

**Run Date - 06/05/2026 9:46:33 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 1689287 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  | XXXXXX |  | 0.00% | XXXXXXXXXXX | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688504 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXX | 5.83% | XXXXXXXX | 1004 |  |  |  | XXXXXXXXXX |  |  | XXXXXX | XXXXX | 2.17% | XXXXXXXXXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.7 |
| 1686681 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  | XXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 1685440 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  | XXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1686811 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  | XXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| 1687888 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  | XXXXXX |  | 0.00% | XXXXXXXXXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687682 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  | XXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1686481 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  | XXXXXX |  | 0.00% | XXXXXXXXXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688019 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  | XXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1687842 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  | XXXXXXX |  | 0.00% | XXXXXXXXXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688029 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  | XXXXXXX |  | 0.00% | XXXXXXXXXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| 1686765 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  | XXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1687837 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004C | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  | XXXXXX |  | 0.00% | XXXXXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688038 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  | XXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1688530 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  | XXXXXX |  | 0.00% | XXXXXXXXXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1686718 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  | XXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1688304 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  | XXXXXX |  | 0.00% | XXXXXXXXXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.2 |
| 1687612 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  | XXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1688551 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  | XXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| 1688353 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  | XXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1684205 | XXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  | XXXXXX |  | 0.00% | XXXXXXXXXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688239 | XXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  | XXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.1 |
| 1687666 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  | XXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.2 |
| 1687939 | XXXXXXXXX | XXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  | XXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| 1687831 | XXXXX | XXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  | XXXXXX |  | 0.00% | XXXXXXXXXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.3 |
| 1687726 | XXXXX | XXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  | XXXXXX | XXXXXX | -5.17% | XXXXXXXXXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688297 | XXXXXXXXX | XXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  | XXXXXX |  | 0.00% | XXXXXXXXXXX | Excellent | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688030 | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  | XXXXXXX |  | 0.00% | XXXXXXXXXXX | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5 |
| 1688204 | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  | XXXXXX |  | 0.00% | XXXXXXXXXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688587 | XXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  | XXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1689041 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  | XXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1688305 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  | XXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1686875 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  | XXXXXX |  | 0.00% | XXXXXXXXXXX | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686355 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  | XXXXXX | XXXXX | -2.49% | XXXXXXXXXX | 96 | XXXXXXXX |  |  |  | XXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3 |
| 1687625 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  | XXXXXXX |  | 0.00% | XXXXXXXXXXX | Excellent | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.9 |

---

## Exhibit 99.4

![](evolved_logo.jpg)

**Data Compare**

**Run Date - 06/05/2026 9:46:33 AM**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1689287 | XXXXXXXXX | XXXXXXXXX | Doc Type | XXXXXXXX | XXXXXXXX | Verified |
| 1689287 | XXXXXXXXX | XXXXXXXXX | Occupancy | XXXXXXXX | XXXXXXXX | Verified |
| 1689287 | XXXXXXXXX | XXXXXXXXX | Original P&I | XXXXXXXX | XXXXXXXX | Verified |
| 1689287 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1689287 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty | XXXXXXXX | XXXXXXXX | Verified |
| 1689287 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty Type | XXXXXXXX | XXXXXXXX | Verified |
| 1689287 | XXXXXXXXX | XXXXXXXXX | Product Code | XXXXXXXX | XXXXXXXX | Verified |
| 1689287 | XXXXXXXXX | XXXXXXXXX | QM Status | XXXXXXXX | XXXXXXXX | Verified |
| 1688504 | XXXXXXXXX | XXXXXXXXX | Appraised Value | XXXXXXXX | XXXXXXXX | Verified |
| 1688504 | XXXXXXXXX | XXXXXXXXX | Doc Type | XXXXXXXX | XXXXXXXX | Verified |
| 1688504 | XXXXXXXXX | XXXXXXXXX | Occupancy | XXXXXXXX | XXXXXXXX |  |
| 1688504 | XXXXXXXXX | XXXXXXXXX | Original P&I | XXXXXXXX | XXXXXXXX |  |
| 1688504 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1688504 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty | XXXXXXXX | XXXXXXXX |  |
| 1688504 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty Type | XXXXXXXX | XXXXXXXX |  |
| 1688504 | XXXXXXXXX | XXXXXXXXX | Product Code | XXXXXXXX | XXXXXXXX | Verified |
| 1688504 | XXXXXXXXX | XXXXXXXXX | QM Status | XXXXXXXX | XXXXXXXX |  |
| 1688029 | XXXXXXXXXX | XXXXXXXXXX | Original P&I | XXXXXXXX | XXXXXXXX | Verified |
| 1688029 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1688029 | XXXXXXXXXX | XXXXXXXXXX | Property City | XXXXXXXX | XXXXXXXX | Verified |
| 1688029 | XXXXXXXXXX | XXXXXXXXXX | QM Status | XXXXXXXX | XXXXXXXX | Verified |
| 1688029 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI | XXXXXXXX | XXXXXXXX | Verified |
| 1688029 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag | XXXXXXXX | XXXXXXXX | Verified |
| 1686765 | XXXXXXXXXX | XXXXXXXXXX | Qualifying Credit Score | XXXXXXXX | XXXXXXXX | Verified |
| 1686765 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | XXXXXXXX | XXXXXXXX | Verified |
| 1686765 | XXXXXXXXXX | XXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1686765 | XXXXXXXXXX | XXXXXXXXXX | Original Interest Rate | XXXXXXXX | XXXXXXXX | Verified |
| 1686765 | XXXXXXXXXX | XXXXXXXXXX | Original P&I | XXXXXXXX | XXXXXXXX | Verified |
| 1686765 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1686765 | XXXXXXXXXX | XXXXXXXXXX | Product Code | XXXXXXXX | XXXXXXXX | Verified |
| 1686765 | XXXXXXXXXX | XXXXXXXXXX | Property Type | XXXXXXXX | XXXXXXXX | Verified |
| 1686765 | XXXXXXXXXX | XXXXXXXXXX | QM Status | XXXXXXXX | XXXXXXXX |  |
| 1687837 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | XXXXXXXX | XXXXXXXX | Verified |
| 1687837 | XXXXXXXXXX | XXXXXXXXXX | Loan Purpose | XXXXXXXX | XXXXXXXX | Verified |
| 1687837 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | XXXXXXXX | XXXXXXXX | Verified |
| 1687837 | XXXXXXXXXX | XXXXXXXXXX | Original P&I | XXXXXXXX | XXXXXXXX | Verified |
| 1687837 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1687837 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI | XXXXXXXX | XXXXXXXX | Verified |
| 1688038 | XXXXXXXXXX | XXXXXXXXXX | DSCR | XXXXXXXX | XXXXXXXX | Verified |
| 1688038 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | XXXXXXXX | XXXXXXXX | Verified |
| 1688038 | XXXXXXXXXX | XXXXXXXXXX | Original P&I | XXXXXXXX | XXXXXXXX | Verified |
| 1688038 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1688038 | XXXXXXXXXX | XXXXXXXXXX | Product Code | XXXXXXXX | XXXXXXXX | Verified |
| 1688530 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | XXXXXXXX | XXXXXXXX | Verified |
| 1688530 | XXXXXXXXXX | XXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1688530 | XXXXXXXXXX | XXXXXXXXXX | Original P&I | XXXXXXXX | XXXXXXXX | Verified |
| 1688530 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1688530 | XXXXXXXXXX | XXXXXXXXXX | Product Code | XXXXXXXX | XXXXXXXX | Verified |
| 1686718 | XXXXXXXXXX | XXXXXXXXXX | Qualifying Credit Score | XXXXXXXX | XXXXXXXX | Verified |
| 1686718 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | XXXXXXXX | XXXXXXXX | Verified |
| 1686718 | XXXXXXXXXX | XXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1686718 | XXXXXXXXXX | XXXXXXXXXX | Original P&I | XXXXXXXX | XXXXXXXX | Verified |
| 1686718 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1686718 | XXXXXXXXXX | XXXXXXXXXX | Product Code | XXXXXXXX | XXXXXXXX | Verified |
| 1686718 | XXXXXXXXXX | XXXXXXXXXX | QM Status | XXXXXXXX | XXXXXXXX |  |
| 1688304 | XXXXXXXXXX | XXXXXXXXXX | Qualifying Credit Score | XXXXXXXX | XXXXXXXX | Verified |
| 1688304 | XXXXXXXXXX | XXXXXXXXXX | DSCR | XXXXXXXX | XXXXXXXX | Verified |
| 1688304 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | XXXXXXXX | XXXXXXXX | Verified |
| 1688304 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | XXXXXXXX | XXXXXXXX | Verified |
| 1688304 | XXXXXXXXXX | XXXXXXXXXX | Original P&I | XXXXXXXX | XXXXXXXX | Verified |
| 1688304 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1688304 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | XXXXXXXX | XXXXXXXX | Verified |
| 1688304 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type | XXXXXXXX | XXXXXXXX | Verified |
| 1688304 | XXXXXXXXXX | XXXXXXXXXX | Product Code | XXXXXXXX | XXXXXXXX | Verified |
| 1688304 | XXXXXXXXXX | XXXXXXXXXX | Property Type | XXXXXXXX | XXXXXXXX | Verified |
| 1688304 | XXXXXXXXXX | XXXXXXXXXX | QM Status | XXXXXXXX | XXXXXXXX | Verified |
| 1688304 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI | XXXXXXXX | XXXXXXXX | Verified |
| 1687612 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | XXXXXXXX | XXXXXXXX | Verified |
| 1687612 | XXXXXXXXXX | XXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1687612 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | XXXXXXXX | XXXXXXXX | Verified |
| 1687612 | XXXXXXXXXX | XXXXXXXXXX | Original P&I | XXXXXXXX | XXXXXXXX | Verified |
| 1687612 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1687612 | XXXXXXXXXX | XXXXXXXXXX | Product Code | XXXXXXXX | XXXXXXXX |  |
| 1687612 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI | XXXXXXXX | XXXXXXXX | Verified |
| 1688551 | XXXXXXXXXX | XXXXXXXXXX | Qualifying Credit Score | XXXXXXXX | XXXXXXXX | Verified |
| 1688551 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | XXXXXXXX | XXXXXXXX | Verified |
| 1688551 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | XXXXXXXX | XXXXXXXX | Verified |
| 1688551 | XXXXXXXXXX | XXXXXXXXXX | Original P&I | XXXXXXXX | XXXXXXXX | Verified |
| 1688551 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1688551 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | XXXXXXXX | XXXXXXXX | Verified |
| 1688551 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type | XXXXXXXX | XXXXXXXX | Verified |
| 1688551 | XXXXXXXXXX | XXXXXXXXXX | Property Type | XXXXXXXX | XXXXXXXX | Verified |
| 1688551 | XXXXXXXXXX | XXXXXXXXXX | QM Status | XXXXXXXX | XXXXXXXX |  |
| 1688353 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | XXXXXXXX | XXXXXXXX | Verified |
| 1688353 | XXXXXXXXXX | XXXXXXXXXX | Original P&I | XXXXXXXX | XXXXXXXX | Verified |
| 1688353 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1688353 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type | XXXXXXXX | XXXXXXXX | Verified |
| 1688353 | XXXXXXXXXX | XXXXXXXXXX | QM Status | XXXXXXXX | XXXXXXXX | Verified |
| 1688353 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag | XXXXXXXX | XXXXXXXX | Verified |
| 1687831 | XXXXX | XXXXX | DSCR | XXXXXXXX | XXXXXXXX | Verified |
| 1687831 | XXXXX | XXXXX | Doc Type | XXXXXXXX | XXXXXXXX | Verified |
| 1687831 | XXXXX | XXXXX | Original P&I | XXXXXXXX | XXXXXXXX | Verified |
| 1687831 | XXXXX | XXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1687831 | XXXXX | XXXXX | Property City | XXXXXXXX | XXXXXXXX | Verified |
| 1687831 | XXXXX | XXXXX | Sales Price | XXXXXXXX | XXXXXXXX | Verified |
| 1687831 | XXXXX | XXXXX | QM Status | XXXXXXXX | XXXXXXXX |  |
| 1687831 | XXXXX | XXXXX | Qualifying DTI | XXXXXXXX | XXXXXXXX | Verified |
| 1687831 | XXXXX | XXXXX | Self-Employment Flag | XXXXXXXX | XXXXXXXX | Verified |
| 1687726 | XXXXX | XXXXX | DSCR | XXXXXXXX | XXXXXXXX | Verified |
| 1687726 | XXXXX | XXXXX | Doc Type | XXXXXXXX | XXXXXXXX | Verified |
| 1687726 | XXXXX | XXXXX | Original P&I | XXXXXXXX | XXXXXXXX | Verified |
| 1687726 | XXXXX | XXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1687726 | XXXXX | XXXXX | Prepayment Penalty | XXXXXXXX | XXXXXXXX | Verified |
| 1687726 | XXXXX | XXXXX | Prepayment Penalty Type | XXXXXXXX | XXXXXXXX | Verified |
| 1687726 | XXXXX | XXXXX | Sales Price | XXXXXXXX | XXXXXXXX | Verified |
| 1687726 | XXXXX | XXXXX | QM Status | XXXXXXXX | XXXXXXXX |  |
| 1687726 | XXXXX | XXXXX | Self-Employment Flag | XXXXXXXX | XXXXXXXX | Verified |
| 1688030 | XXXXXXX | XXXXXXX | Original Amortization Term | XXXXXXXX | XXXXXXXX | Verified |
| 1688030 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXXX | XXXXXXXX | Verified |
| 1688030 | XXXXXXX | XXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 1688030 | XXXXXXX | XXXXXXX | Interest Only | XXXXXXXX | XXXXXXXX | Verified |
| 1688030 | XXXXXXX | XXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 1688030 | XXXXXXX | XXXXXXX | Original P&I | XXXXXXXX | XXXXXXXX | Verified |
| 1688030 | XXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1688030 | XXXXXXX | XXXXXXX | Prepayment Penalty | XXXXXXXX | XXXXXXXX | Verified |
| 1688030 | XXXXXXX | XXXXXXX | Prepayment Penalty Type | XXXXXXXX | XXXXXXXX | Verified |
| 1688030 | XXXXXXX | XXXXXXX | Property Zip | XXXXXXXX | XXXXXXXX | Verified |
| 1688030 | XXXXXXX | XXXXXXX | QM Status | XXXXXXXX | XXXXXXXX |  |
| 1688204 | XXXXXXX | XXXXXXX | Loan Purpose | XXXXXXXX | XXXXXXXX | Verified |
| 1688204 | XXXXXXX | XXXXXXX | Original P&I | XXXXXXXX | XXXXXXXX | Verified |
| 1688204 | XXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1688204 | XXXXXXX | XXXXXXX | Prepayment Penalty | XXXXXXXX | XXXXXXXX | Verified |
| 1688204 | XXXXXXX | XXXXXXX | Prepayment Penalty Type | XXXXXXXX | XXXXXXXX | Verified |
| 1688204 | XXXXXXX | XXXXXXX | Property Type | XXXXXXXX | XXXXXXXX | Verified |
| 1688204 | XXXXXXX | XXXXXXX | Property Zip | XXXXXXXX | XXXXXXXX | Verified |
| 1688204 | XXXXXXX | XXXXXXX | Sales Price | XXXXXXXX | XXXXXXXX | Verified |
| 1688204 | XXXXXXX | XXXXXXX | QM Status | XXXXXXXX | XXXXXXXX | Verified |
| 1689041 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | XXXXXXXX | XXXXXXXX | Verified |
| 1689041 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | XXXXXXXX | XXXXXXXX | Verified |
| 1689041 | XXXXXXXXXX | XXXXXXXXXX | Index Type | XXXXXXXX | XXXXXXXX | Verified |
| 1689041 | XXXXXXXXXX | XXXXXXXXXX | Loan Purpose | XXXXXXXX | XXXXXXXX | Verified |
| 1689041 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | XXXXXXXX | XXXXXXXX | Verified |
| 1689041 | XXXXXXXXXX | XXXXXXXXXX | Original P&I | XXXXXXXX | XXXXXXXX | Verified |
| 1689041 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1689041 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type | XXXXXXXX | XXXXXXXX | Verified |
| 1689041 | XXXXXXXXXX | XXXXXXXXXX | Product Code | XXXXXXXX | XXXXXXXX | Verified |
| 1689041 | XXXXXXXXXX | XXXXXXXXXX | Property Type | XXXXXXXX | XXXXXXXX | Verified |
| 1689041 | XXXXXXXXXX | XXXXXXXXXX | QM Status | XXXXXXXX | XXXXXXXX |  |
| 1686875 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | XXXXXXXX | XXXXXXXX | Verified |
| 1686875 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | XXXXXXXX | XXXXXXXX | Verified |
| 1686875 | XXXXXXXXXX | XXXXXXXXXX | Index Type | XXXXXXXX | XXXXXXXX | Verified |
| 1686875 | XXXXXXXXXX | XXXXXXXXXX | Loan Purpose | XXXXXXXX | XXXXXXXX | Verified |
| 1686875 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | XXXXXXXX | XXXXXXXX | Verified |
| 1686875 | XXXXXXXXXX | XXXXXXXXXX | Original P&I | XXXXXXXX | XXXXXXXX | Verified |
| 1686875 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1686875 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type | XXXXXXXX | XXXXXXXX | Verified |
| 1686875 | XXXXXXXXXX | XXXXXXXXXX | Product Code | XXXXXXXX | XXXXXXXX | Verified |
| 1686875 | XXXXXXXXXX | XXXXXXXXXX | Property Type | XXXXXXXX | XXXXXXXX | Verified |
| 1686875 | XXXXXXXXXX | XXXXXXXXXX | QM Status | XXXXXXXX | XXXXXXXX |  |
| 1686875 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag | XXXXXXXX | XXXXXXXX | Verified |
| 1686355 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | XXXXXXXX | XXXXXXXX | Verified |
| 1686355 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | XXXXXXXX | XXXXXXXX | Verified |
| 1686355 | XXXXXXXXXX | XXXXXXXXXX | Index Type | XXXXXXXX | XXXXXXXX | Verified |
| 1686355 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | XXXXXXXX | XXXXXXXX | Verified |
| 1686355 | XXXXXXXXXX | XXXXXXXXXX | Original P&I | XXXXXXXX | XXXXXXXX | Verified |
| 1686355 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1686355 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type | XXXXXXXX | XXXXXXXX | Verified |
| 1686355 | XXXXXXXXXX | XXXXXXXXXX | Product Code | XXXXXXXX | XXXXXXXX | Verified |
| 1686355 | XXXXXXXXXX | XXXXXXXXXX | Property Type | XXXXXXXX | XXXXXXXX | Verified |
| 1686355 | XXXXXXXXXX | XXXXXXXXXX | QM Status | XXXXXXXX | XXXXXXXX | Verified |
| 1686355 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag | XXXXXXXX | XXXXXXXX | Verified |
| 1686681 | XXXXXXXXX | XXXXXXX | Amortization Type | XXXXXXXX | XXXXXXXX | Verified |
| 1686681 | XXXXXXXXX | XXXXXXX | Appraised Value | XXXXXXXX | XXXXXXXX | Verified |
| 1686681 | XXXXXXXXX | XXXXXXX | DSCR | XXXXXXXX | XXXXXXXX | Verified |
| 1686681 | XXXXXXXXX | XXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1686681 | XXXXXXXXX | XXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1686681 | XXXXXXXXX | XXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1686681 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1686681 | XXXXXXXXX | XXXXXXX | Prepayment Penalty | XXXXXXXX | XXXXXXXX | Verified |
| 1686681 | XXXXXXXXX | XXXXXXX | Prepayment Penalty Type | XXXXXXXX | XXXXXXXX | Verified |
| 1686681 | XXXXXXXXX | XXXXXXX | Property Type | XXXXXXXX | XXXXXXXX | Verified |
| 1686681 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXX | XXXXXXXX | Verified |
| 1686681 | XXXXXXXXX | XXXXXXX | QM Status | XXXXXXXX | XXXXXXXX |  |
| 1685440 | XXXXXXXXX | XXXXXXX | Amortization Type | XXXXXXXX | XXXXXXXX | Verified |
| 1685440 | XXXXXXXXX | XXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1685440 | XXXXXXXXX | XXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1685440 | XXXXXXXXX | XXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1685440 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1685440 | XXXXXXXXX | XXXXXXX | Property Type | XXXXXXXX | XXXXXXXX | Verified |
| 1685440 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXX | XXXXXXXX | Verified |
| 1685440 | XXXXXXXXX | XXXXXXX | QM Status | XXXXXXXX | XXXXXXXX | Verified |
| 1685440 | XXXXXXXXX | XXXXXXX | Qualifying DTI | XXXXXXXX | XXXXXXXX | Verified |
| 1686811 | XXXXXXXXX | XXXXXXX | Amortization Type | XXXXXXXX | XXXXXXXX | Verified |
| 1686811 | XXXXXXXXX | XXXXXXX | DSCR | XXXXXXXX | XXXXXXXX | Verified |
| 1686811 | XXXXXXXXX | XXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1686811 | XXXXXXXXX | XXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1686811 | XXXXXXXXX | XXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1686811 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXX | XXXXXXXX | Verified |
| 1686811 | XXXXXXXXX | XXXXXXX | QM Status | XXXXXXXX | XXXXXXXX |  |
| 1687888 | XXXXXXXXX | XXXXXXXXX | Amortization Type | XXXXXXXX | XXXXXXXX | Verified |
| 1687888 | XXXXXXXXX | XXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1687888 | XXXXXXXXX | XXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1687888 | XXXXXXXXX | XXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1687888 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1687888 | XXXXXXXXX | XXXXXXXXX | Product Code | XXXXXXXX | XXXXXXXX | Verified |
| 1687888 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXX | XXXXXXXX | Verified |
| 1687888 | XXXXXXXXX | XXXXXXXXX | QM Status | XXXXXXXX | XXXXXXXX |  |
| 1687888 | XXXXXXXXX | XXXXXXXXX | Qualifying DTI | XXXXXXXX | XXXXXXXX | Verified |
| 1687682 | XXXXXXXXX | XXXXXXXXXXX | Amortization Type | XXXXXXXX | XXXXXXXX | Verified |
| 1687682 | XXXXXXXXX | XXXXXXXXXXX | Doc Type | XXXXXXXX | XXXXXXXX | Verified |
| 1687682 | XXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1687682 | XXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1687682 | XXXXXXXXX | XXXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1687682 | XXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1687682 | XXXXXXXXX | XXXXXXXXXXX | Product Code | XXXXXXXX | XXXXXXXX | Verified |
| 1687682 | XXXXXXXXX | XXXXXXXXXXX | Sales Price | XXXXXXXX | XXXXXXXX | Verified |
| 1687682 | XXXXXXXXX | XXXXXXXXXXX | QM Status | XXXXXXXX | XXXXXXXX | Verified |
| 1687682 | XXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | XXXXXXXX | XXXXXXXX | Verified |
| 1686481 | XXXXXXXXX | XXXXXXXXXX | Amortization Type | XXXXXXXX | XXXXXXXX | Verified |
| 1686481 | XXXXXXXXX | XXXXXXXXXX | DSCR | XXXXXXXX | XXXXXXXX | Verified |
| 1686481 | XXXXXXXXX | XXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1686481 | XXXXXXXXX | XXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1686481 | XXXXXXXXX | XXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1686481 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1686481 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | XXXXXXXX | XXXXXXXX | Verified |
| 1686481 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type | XXXXXXXX | XXXXXXXX | Verified |
| 1686481 | XXXXXXXXX | XXXXXXXXXX | Product Code | XXXXXXXX | XXXXXXXX | Verified |
| 1686481 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXX | XXXXXXXX | Verified |
| 1686481 | XXXXXXXXX | XXXXXXXXXX | QM Status | XXXXXXXX | XXXXXXXX |  |
| 1688019 | XXXXXXXXX | XXXXXXXXX | Amortization Type | XXXXXXXX | XXXXXXXX | Verified |
| 1688019 | XXXXXXXXX | XXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1688019 | XXXXXXXXX | XXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1688019 | XXXXXXXXX | XXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1688019 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1688019 | XXXXXXXXX | XXXXXXXXX | Property Type | XXXXXXXX | XXXXXXXX | Verified |
| 1688019 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXX | XXXXXXXX | Verified |
| 1688019 | XXXXXXXXX | XXXXXXXXX | QM Status | XXXXXXXX | XXXXXXXX | Verified |
| 1687842 | XXXXXXXXX | XXXXXXXXXX | Amortization Type | XXXXXXXX | XXXXXXXX |  |
| 1687842 | XXXXXXXXX | XXXXXXXXXX | Doc Type | XXXXXXXX | XXXXXXXX | Verified |
| 1687842 | XXXXXXXXX | XXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX |  |
| 1687842 | XXXXXXXXX | XXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX |  |
| 1687842 | XXXXXXXXX | XXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX |  |
| 1687842 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1687842 | XXXXXXXXX | XXXXXXXXXX | Product Code | XXXXXXXX | XXXXXXXX | Verified |
| 1687842 | XXXXXXXXX | XXXXXXXXXX | Property City | XXXXXXXX | XXXXXXXX |  |
| 1687842 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXX | XXXXXXXX | Verified |
| 1687842 | XXXXXXXXX | XXXXXXXXXX | QM Status | XXXXXXXX | XXXXXXXX | Verified |
| 1687842 | XXXXXXXXX | XXXXXXXXXX | Qualifying DTI | XXXXXXXX | XXXXXXXX | Verified |
| 1684205 | XXXXXXXXX | XXXXXXXXXXXXXX | Amortization Type | XXXXXXXX | XXXXXXXX | Verified |
| 1684205 | XXXXXXXXX | XXXXXXXXXXXXXX | Qualifying Credit Score | XXXXXXXX | XXXXXXXX | Verified |
| 1684205 | XXXXXXXXX | XXXXXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1684205 | XXXXXXXXX | XXXXXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1684205 | XXXXXXXXX | XXXXXXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1684205 | XXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1684205 | XXXXXXXXX | XXXXXXXXXXXXXX | Sales Price | XXXXXXXX | XXXXXXXX | Verified |
| 1684205 | XXXXXXXXX | XXXXXXXXXXXXXX | QM Status | XXXXXXXX | XXXXXXXX | Verified |
| 1688239 | XXXXXXXXX | XXXXXXXXXXXXXX | Amortization Type | XXXXXXXX | XXXXXXXX |  |
| 1688239 | XXXXXXXXX | XXXXXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX |  |
| 1688239 | XXXXXXXXX | XXXXXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX |  |
| 1688239 | XXXXXXXXX | XXXXXXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX |  |
| 1688239 | XXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1688239 | XXXXXXXXX | XXXXXXXXXXXXXX | Sales Price | XXXXXXXX | XXXXXXXX | Verified |
| 1688239 | XXXXXXXXX | XXXXXXXXXXXXXX | QM Status | XXXXXXXX | XXXXXXXX | Verified |
| 1688239 | XXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | XXXXXXXX | XXXXXXXX | Verified |
| 1687666 | XXXXXXXXX | XXXXXXXXXXXXX | Amortization Type | XXXXXXXX | XXXXXXXX | Verified |
| 1687666 | XXXXXXXXX | XXXXXXXXXXXXX | Doc Type | XXXXXXXX | XXXXXXXX | Verified |
| 1687666 | XXXXXXXXX | XXXXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1687666 | XXXXXXXXX | XXXXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1687666 | XXXXXXXXX | XXXXXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1687666 | XXXXXXXXX | XXXXXXXXXXXXX | Property Type | XXXXXXXX | XXXXXXXX | Verified |
| 1687666 | XXXXXXXXX | XXXXXXXXXXXXX | Sales Price | XXXXXXXX | XXXXXXXX | Verified |
| 1687666 | XXXXXXXXX | XXXXXXXXXXXXX | QM Status | XXXXXXXX | XXXXXXXX | Verified |
| 1687666 | XXXXXXXXX | XXXXXXXXXXXXX | Qualifying DTI | XXXXXXXX | XXXXXXXX | Verified |
| 1687939 | XXXXXXXXX | XXXXXXXX | Amortization Type | XXXXXXXX | XXXXXXXX | Verified |
| 1687939 | XXXXXXXXX | XXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1687939 | XXXXXXXXX | XXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1687939 | XXXXXXXXX | XXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1687939 | XXXXXXXXX | XXXXXXXX | Prepayment Penalty Type | XXXXXXXX | XXXXXXXX | Verified |
| 1687939 | XXXXXXXXX | XXXXXXXX | Product Code | XXXXXXXX | XXXXXXXX | Verified |
| 1687939 | XXXXXXXXX | XXXXXXXX | Sales Price | XXXXXXXX | XXXXXXXX | Verified |
| 1687939 | XXXXXXXXX | XXXXXXXX | QM Status | XXXXXXXX | XXXXXXXX |  |
| 1688297 | XXXXXXXXX | XXXXX | Amortization Type | XXXXXXXX | XXXXXXXX | Verified |
| 1688297 | XXXXXXXXX | XXXXX | DSCR | XXXXXXXX | XXXXXXXX | Verified |
| 1688297 | XXXXXXXXX | XXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1688297 | XXXXXXXXX | XXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1688297 | XXXXXXXXX | XXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1688297 | XXXXXXXXX | XXXXX | Property Type | XXXXXXXX | XXXXXXXX | Verified |
| 1688297 | XXXXXXXXX | XXXXX | Sales Price | XXXXXXXX | XXXXXXXX | Verified |
| 1688297 | XXXXXXXXX | XXXXX | QM Status | XXXXXXXX | XXXXXXXX | Verified |
| 1688297 | XXXXXXXXX | XXXXX | Self-Employment Flag | XXXXXXXX | XXXXXXXX | Verified |
| 1688587 | XXXXXXXXX | XXXXXXXXXXXX | Amortization Type | XXXXXXXX | XXXXXXXX | Verified |
| 1688587 | XXXXXXXXX | XXXXXXXXXXXX | Qualifying Credit Score | XXXXXXXX | XXXXXXXX | Verified |
| 1688587 | XXXXXXXXX | XXXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1688587 | XXXXXXXXX | XXXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1688587 | XXXXXXXXX | XXXXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1688587 | XXXXXXXXX | XXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1688587 | XXXXXXXXX | XXXXXXXXXXXX | Property Type | XXXXXXXX | XXXXXXXX | Verified |
| 1688587 | XXXXXXXXX | XXXXXXXXXXXX | Sales Price | XXXXXXXX | XXXXXXXX | Verified |
| 1688587 | XXXXXXXXX | XXXXXXXXXXXX | QM Status | XXXXXXXX | XXXXXXXX | Verified |
| 1688587 | XXXXXXXXX | XXXXXXXXXXXX | Self-Employment Flag | XXXXXXXX | XXXXXXXX | Verified |
| 1688305 | XXXXXXXXX | XXXXXXXXXX | Amortization Type | XXXXXXXX | XXXXXXXX | Verified |
| 1688305 | XXXXXXXXX | XXXXXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 1688305 | XXXXXXXXX | XXXXXXXXXX | Doc Type | XXXXXXXX | XXXXXXXX | Verified |
| 1688305 | XXXXXXXXX | XXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1688305 | XXXXXXXXX | XXXXXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 1688305 | XXXXXXXXX | XXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1688305 | XXXXXXXXX | XXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1688305 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1688305 | XXXXXXXXX | XXXXXXXXXX | Product Code | XXXXXXXX | XXXXXXXX | Verified |
| 1688305 | XXXXXXXXX | XXXXXXXXXX | Property Type | XXXXXXXX | XXXXXXXX | Verified |
| 1688305 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXX | XXXXXXXX | Verified |
| 1688305 | XXXXXXXXX | XXXXXXXXXX | QM Status | XXXXXXXX | XXXXXXXX |  |
| 1688305 | XXXXXXXXX | XXXXXXXXXX | Qualifying DTI | XXXXXXXX | XXXXXXXX | Verified |
| 1687625 | XXXXXXXXX | XXXXXXXXXXX | Amortization Type | XXXXXXXX | XXXXXXXX | Verified |
| 1687625 | XXXXXXXXX | XXXXXXXXXXX | DSCR | XXXXXXXX | XXXXXXXX | Verified |
| 1687625 | XXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1687625 | XXXXXXXXX | XXXXXXXXXXX | Original Interest Rate | XXXXXXXX | XXXXXXXX | Verified |
| 1687625 | XXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1687625 | XXXXXXXXX | XXXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1687625 | XXXXXXXXX | XXXXXXXXXXX | Original P&I | XXXXXXXX | XXXXXXXX | Verified |
| 1687625 | XXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1687625 | XXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty | XXXXXXXX | XXXXXXXX | Verified |
| 1687625 | XXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type | XXXXXXXX | XXXXXXXX | Verified |
| 1687625 | XXXXXXXXX | XXXXXXXXXXX | Property Type | XXXXXXXX | XXXXXXXX | Verified |
| 1687625 | XXXXXXXXX | XXXXXXXXXXX | Sales Price | XXXXXXXX | XXXXXXXX | Verified |
| 1687625 | XXXXXXXXX | XXXXXXXXXXX | QM Status | XXXXXXXX | XXXXXXXX |  |

---

## Exhibit 99.4

![](evolved_logo.jpg)

**QM ATR Data**

**Run Date - 06/05/2026 9:46:33 AM**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 1689287 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688504 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1686681 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1685440 | XXXXXXXXX | XXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $4760.00 | XXXXXXXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $5750.16 |
| 1686811 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687888 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $18326.13 |
| 1687682 | XXXXXXXXX | XXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $7331.50 | XXXXXXXXX | XXXXXXXXXX | Self-Employed |  | US Citizen |  |  |  | Yes | $7370.00 |
| 1686481 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688019 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687842 | XXXXXXXXX | XXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $1740.00 | XXXXXXXXX | XXXXXXXXXX | Self-Employed |  | US Citizen |  |  |  | Yes | $10562.13 |
| 1688029 | XXXXXXXXXX | XXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $1703.75 | XXXXXXXXX | XXXXXXXXXX | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $11371.53 |
| 1686765 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1687837 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $7757.10 | XXXXXXXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $7681.34 |
| 1688038 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Not Required |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1688530 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1686718 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1688304 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 1687612 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $3199.00 | XXXXXXXXX | 0.00% | Retired |  | US Citizen |  |  |  | No |  |
| 1688551 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Not Required |  | Foreign National | B-1 Visa |  |  | No |  |
| 1688353 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1684205 | XXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688239 | XXXXXXXXX | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $19515.00 | XXXXXXXXX | XXXXXXXXXX | Employed |  | US Citizen |  |  |  | Yes | $18980.90 |
| 1687666 | XXXXXXXXX | XXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $7107.70 | XXXXXXXXX | XXXXXXXXXX | Self-Employed |  | US Citizen |  |  |  | Yes | $37883.82 |
| 1687939 | XXXXXXXXX | XXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687831 | XXXXX | XXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687726 | XXXXX | XXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688297 | XXXXXXXXX | XXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688030 | XXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688204 | XXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1688587 | XXXXXXXXX | XXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Not Required | Not Required | Permanent Resident Alien |  | Permanent Resident Alien |  | No |  |
| 1689041 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688305 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $16255.95 | XXXXXXXXX | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $15033.16 |
| 1686875 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1686355 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687625 | XXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXXXXXXX | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |

---

## Exhibit 99.4

---

| |
|:---|
| ![](evolved_logo.jpg) |
| **Business Purpose Data** |
| **Run Date - 06/05/2026 9:46:33 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **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** | **DSCR** | **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** | **EIN Number** |
| 1689287 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | Yes | $3475.00 | $3500.00 | FNMA 1007/216 | 1025 | No |  | 0 |  |  | 3500 | 1.05 | 1.05 | $3321.19 | 20260430 | 12 |  | Yes | $34058.00 |  | NO | $0.00 | $532.66 | $286.99 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 16 | 1.8 | US Citizen |  | 745 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 2 | XXXXXXXXXXX | 1872 | 4 | 2 | C3 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXXX | FALSE | XXXXXXXXX |
| 1688504 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2440.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2440 | 0.81 | 0.81 | $3030.78 |  |  |  | Yes | $35000.00 |  | NO | $0.00 | $432.84 | $385.70 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 11 | 1.6 | US Citizen |  | 790 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 1 | XXXXXXXXXXX | 784 | 1 | 1 | C4 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXXX | FALSE | XXXXXXXXX |
| 1686681 | XXXXXXXXX | XXXXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | No | $0.00 | $3200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3200 | 1.14 | 1.14 | $2802.94 |  |  |  | Yes | $0.00 | Yes | YES | XXXXXXXXX | $548.72 | $66.42 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 2 | 2 | US Citizen |  | 749 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 1 | XXXXXXXXXXX | 2693 | 4 | 2.1 | C2 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXXX | FALSE | XXXXXXXXX |
| 1686811 | XXXXXXXXX | XXXXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | No | $0.00 | $1475.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1475 | 0.95 | 0.95 | $1550.32 |  |  |  | Yes | $30090.00 |  | NO | $0.00 | $260.25 | $83.98 | Stated, Verified | NO | 1 | 9 |  | No | No | Experienced | 22 | 6 | US Citizen |  | 725 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 1 | XXXXXXXXXXX | 1034 | 3 | 1 | C4 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXXX | FALSE | XXXXXXXXX |
| 1687888 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | Full Doc | XXXXXXXXXX | Full | Yes | No | $0.00 | $4000.00 |  | 1025 | No |  | 0 | 36.025 |  | 0 |  |  | $3907.93 |  |  |  | Yes | $311760.00 |  | NO | $0.00 | $1004.58 | $311.08 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 11 | 6 | US Citizen |  | 735 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 3 | XXXXXXXXXXX | 2569 | 3 | 3 | C3 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXXX | FALSE | XXXXXXXXX |
| 1686481 | XXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | Yes | $7500.00 | $8550.00 |  | Leases | No |  | 0 |  |  | 7500 | 2.39 | 2.39 | $3138.05 | 20260502 | 12 |  | Yes | $71449.00 |  | NO | $0.00 | $908.93 | $197.25 | Stated, Verified | NO | 1 | 10 |  | No | No | Experienced | 97 | 22 | US Citizen |  | 704 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 3 | XXXXXXXXXXX | 4896 | 9 | 3.3 | C2 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXXX | FALSE | XXXXXXXXX |
| 1688019 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | No | $0.00 | $3600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3600 | 0.88 | 0.88 | $4113.90 |  |  |  | Yes | $50000.00 |  | YES | XXXXXXXXX | $744.85 | $350.78 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 38 | 1.6 | US Citizen |  | 731 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 1 | XXXXXXXXXXX | 2041 | 3 | 2 | C3 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXXX | FALSE | XXXXXXXXX |
| 1686765 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2395.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2395 | 1.21 | 1.21 | $1976.75 |  |  |  | Yes | $0.00 | Yes | YES | XXXXXXXXX | $164.94 | $74.64 | Stated, Verified | NO | 1 | 11 |  | No | No | Experienced | 230 | 30 | US Citizen | US Citizen | 778 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXXXXXX | XXXXX |  | US Citizen | Stated, Verified | 728 | 730 | 725 | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 790 | 751 | 759 | Not Required | Not Required | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 1 | XXXXXXXXXXX | 1760 | 4 | 2.1 | C3 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXXXX | FALSE | XXXXXXXXX |
| 1688038 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | Yes | $2675.00 | $2675.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2675 | 1.01 | 1.01 | $2649.02 | 20261031 | 12 | No | Yes | $0.00 | Yes | YES | XXXXXXXXX | $826.15 | $193.86 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 60 | 10 | Non Permanent Resident Alien |  | 706 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 1 | XXXXXXXXXXX | 2749 | 4 | 2.1 | C2 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXXX | FALSE | XXXXXXXXX |
| 1688530 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | No | $0.00 | $1750.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1750 | 1.2 | 1.2 | $1457.33 |  |  |  | Yes | $33500.00 |  | YES | XXXXXXXXX | $171.76 | $72.08 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 19 | 6 | US Citizen |  | 769 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXXXXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 1 | XXXXXXXXXXX | 1502 | 3 | 2.1 | C4 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXXX | FALSE | XXXXXXXXX |
| 1686718 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | Yes | $2200.00 | $2200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2200 | 1.22 | 1.22 | $1808.82 | 20261201 | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $110.75 | $57.39 | Stated, Verified | NO | 1 | 11 |  | No | No | Experienced | 247 | 30 | US Citizen | US Citizen | 778 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXXXXXX | XXXXX |  | US Citizen | Stated, Verified | 728 | 730 | 725 | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 790 | 751 | 759 | Not Required | Not Required | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 1 | XXXXXXXXXXX | 1159 | 3 | 2 | C4 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXXXX | FALSE | XXXXXXXXX |
| 1688304 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | DSCR- Foreign National | XXXXXXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2600 | 1.2 | 1.2 | $2158.81 |  |  |  | Yes | $39000.00 |  | YES | XXXXXXXXX | $412.45 | $113.16 | Stated, Verified | NO | 1 | 2 |  | Yes | Yes | Experienced | 23 | 15 | Non Permanent Resident Alien | Non Permanent Resident Alien |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXXXXXXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | XXXX | XXXXXXXXXXXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | Not Required | Not Required | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 1 | XXXXXXXXXXX | 2455 | 5 | 3 | C1 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXXXX | FALSE | XXXXXXXXX |
| 1688551 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | No | $0.00 | $3500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3500 | 1.06 | 1.06 | $3296.87 |  |  |  | Yes | $44900.00 |  | YES | XXXXXXXXX | $600.07 | $210.48 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Inexperienced | 4 | 10 | Non Permanent Resident Alien |  | 718 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXXXXXXXXXXX | XXXXXXXX |  | Non Permanent Resident Alien | Stated, Verified | 718 | 725 | 716 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 1 | XXXXXXXXXXX | 2119 | 3 | 2.1 | C3 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXXXX | FALSE | XXXXXXXXX |
| 1688353 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | DSCR- Foreign National | XXXXXXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2500 | 1.27 | 1.27 | $1963.62 |  |  |  | Yes | $35000.00 |  | YES | XXXXXXXXX | $283.98 | $89.34 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Inexperienced | 18 | 5.1 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXXXXXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 1 | XXXXXXXXXXX | 1707 | 3 | 2 | C3 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXXX | FALSE | XXXXXXXXX |
| 1684205 | XXXXXXXXX | XXXXXXXXXXXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | No | $0.00 | $3000.00 |  | 1025 | No |  | 0 |  |  | 3000 | 1.2 | 1.2 | $2501.70 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $334.58 | $71.42 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 19 | 3.8 | US Citizen |  | 793 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXXX | XXXXXXXXX |  | US Citizen | Stated, Verified | 787 | 802 | 793 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 2 | XXXXXXXXXXX | 2501 | 6 | 4 | C1 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXXXX | FALSE | XXXXXXXXX |
| 1687939 | XXXXXXXXX | XXXXXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | Yes | $1975.00 | $2100.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1975 | 1.04 | 1.04 | $1891.83 | 20261231 | 48 | No | Yes | $49200.00 |  | NO | $0.00 | $461.87 | $149.34 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 98 | 5 | US Citizen |  | 812 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 1 | XXXXXXXXXXX | 1486 | 3 | 2 | C4 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXXX | FALSE | XXXXXXXXX |
| 1687831 | XXXXX | XXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2275.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1821 | 1.64 | 1.64 | $1107.01 |  |  |  | No |  |  | NO | $0.00 | $190.49 | $126.43 | Stated, Verified | NO | 2 | 9 |  | No | No | Experienced | 30 | 5 | US Citizen |  | 684 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 1 | XXXXXXXXXXX | 1648 | 4 | 1 | C3 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXXX | FALSE | XXXXXXXXX |
| 1687726 | XXXXX | XXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | Yes | $6550.00 | $5850.00 |  | 1025 | No |  | 0 |  |  | 5850 | 1.6 | 1.6 | $3667.54 | 20260531 | 12 |  | Yes | $50000.00 |  | NO | $0.00 | $694.85 | $151.29 | Stated, Verified | NO | 1 | 15 |  | No | No | Experienced | 80 | 5 | US Citizen |  | 726 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 731 | 726 | 725 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 4 | XXXXXXXXXXX | 3417 | 8 | 4 | C4 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXXXX | FALSE | XXXXXXXXX |
| 1688297 | XXXXXXXXX | XXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | Yes | $3300.00 | $3500.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3300 | 2.87 | 2.87 | $1151.38 | 20260515 | 12 | No | Yes | $3500.00 |  | NO | $0.00 | $177.95 | $316.50 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 17 | 7.5 | US Citizen |  | 691 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXXXX |  | US Citizen | Stated, Verified | 694 | 668 | 691 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 3 | XXXXXXXXXXX | 1878 | 5 | 3 | C3 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXXXX | FALSE | XXXXXXXXX |
| 1688030 | XXXXXXX | XXXXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | No | $0.00 | $7500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 7500 | 0.8 | 0.8 | $9334.33 |  |  |  | Yes | $127600.00 |  | NO | $0.00 | $445.18 | $438.95 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 26 | 30 | US Citizen |  | 769 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXXXXXX |  | US Citizen | Stated, Verified | 776 | 731 | 769 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 1 | XXXXXXXXXXX | 2285 | 4 | 3.1 | C3 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXXXX | FALSE | XXXXXXXXX |
| 1688204 | XXXXXXX | XXXXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | No | $0.00 | $3900.00 |  | 1025 | No |  | 0 |  |  | 3900 | 1.73 | 1.73 | $2259.82 |  |  |  | Yes | $39800.00 |  | NO | $0.00 | $562.00 | $149.25 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 7 | 3 | Permanent Resident Alien |  | 752 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXXXXXXXXXXXXX |  | Permanent Resident Alien | Stated, Verified | 761 | 749 | 752 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 2 | XXXXXXXXXXX | 2112 | 6 | 2 | C3 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXXXX | FALSE | XXXXXXXXX |
| 1688587 | XXXXXXXXX | XXXXXXXXXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | Yes | $2600.00 | $2665.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2600 | 1 | 1 | $2590.86 | 20270731 | 24 | No | Yes | $14000.00 |  | YES | XXXXXXXXX | $887.08 | $122.46 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 17 | 3.1 | Permanent Resident Alien | Permanent Resident Alien | 808 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXXXXXXXXX | Co-Borrower | Co-Borrower | XXXX | XXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 1 | XXXXXXXXXXX | 2671 | 4 | 2.1 | C3 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXXX | FALSE | XXXXXXXXX |
| 1689041 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | Yes | $6750.00 | $3200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3200 | 0.7 | 0.7 | $4562.21 | 20270801 | 24 | No | No |  |  | NO | $0.00 | $1179.25 | $412.08 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 86 | 0 | US Citizen |  | 772 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXXXXXXXXXX |  | US Citizen | Stated, Verified | 754 | 774 | 772 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 1 | XXXXXXXXXXX | 2741 | 3 | 1 | C4 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXXXX | FALSE | XXXXXXXXX |
| 1686875 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | No | $0.00 | $3400.00 |  | 1025 | No |  | 0 |  |  | 3400 | 1.31 | 1.31 | $2586.13 |  |  |  | No |  |  | NO | $0.00 | $436.05 | $442.07 | Stated, Verified | NO | 1 | 9 |  | No | No | Experienced | 95 | 10 | US Citizen |  | 720 | 0 | 0 |  |  | 0 | 0 | 0 | 2 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXXX | XXXXXX |  | US Citizen | Stated, Verified | 710 | 720 | 722 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 2 | XXXXXXXXXXX | 1756 | 5 | 2 | C4 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Corporation | XXXXXXXXXXX | FALSE | XXXXXXXXX |
| 1686355 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2350.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2350 | 1.04 | 1.04 | $2250.79 |  |  |  | Yes | $5000.00 |  | YES | XXXXXXXXX | $335.48 | $90.37 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 24 | 0.8 | US Citizen |  | 666 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 1 | XXXXXXXXXXX | 1470 | 4 | 3 | C3 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXXX | FALSE | XXXXXXXXX |
| 1687625 | XXXXXXXXX | XXXXXXXXXXX |  | XXXXXXXXXXX | XXXXXXXXXXX | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | No | $0.00 | $14500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 14500 | 0.81 | 0.81 | $17926.17 |  |  |  | Yes | $115652.00 |  | YES | XXXXXXXXX | $2604.17 | $185.65 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 38 | 10 | US Citizen |  | 693 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 1 | XXXXXXXXXXX | 4513 | 4 | 4.1 | C3 | XXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXXX | FALSE | XXXXXXXXX |

---

## Exhibit 99.5

**Exhibit 99.5**

![](canopy_logo.jpg)

**NARRATIVE**

**BRAVO 2026-NQM6**

**By Canopy Financial Technology Partners LLC on June 12, 2026**

Canopy Financial Technology Partners LLC

<u>cwheeler@canopytpr.com</u> \| 720-371-8517 \| <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 <br>

![](canopy_logo.jpg)

**D** **escription of Services**<br>

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 Loan Funding Structure V LLC (the "Client") or its affiliated company. The Review was conducted from February to April 2026 via files imaged and provided by the Client for review.

The Review consisted of a population of twenty-five (25) loans with an aggregate principal balance of $24,070,288.

**Loan Sampling**

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

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

**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 First Name | &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 Last Name | &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 |

---

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

![](canopy_logo.jpg)

---

| | |
|:---|:---|
| &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;Interest rate | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan amount | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Maturity Date | &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 Value | &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:

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

![](canopy_logo.jpg)

**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;

● 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

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

![](canopy_logo.jpg)

applicable per above and may include:

● Verbal or Written VOE's;

● Paystubs;

● W-2 forms;

● Tax returns;

● Financial statements;

● Award letters;

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

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

● Borrower identity:

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

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

● Employment:

● Licensing – reviewed NMLS data for:

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

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

● Occupancy:

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

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

● OFAC.

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

● Depository account statements;

● Gift funds;

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

● Stock or security account statements; and/or

● VOD's.

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

![](canopy_logo.jpg)

**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.

**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].

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

![](canopy_logo.jpg)

**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.

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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● 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.

● 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.

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● 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.

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.

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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.

**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***

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

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

**Agency Eligible Loans:**

· For FNMA loans, if a CU Score was available and the CU Score was greater than 2.5, Canopy ordered a Desk Review. If the CU Score was less than or equal to 2.5, no Desk Review 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 a Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no Desk Review was required based on market acceptance of Agency Eligible Loans.

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**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

---

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

---

---

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

---

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

---

---

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

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections.

8.00% or two (2) mortgage loans have an overall grade of "B" and 92.00% or twenty-three (23) mortgage loans have an overall grade of "A".

Canopy's review concluded a credit grade of "B" for 8.00% or two (2) mortgage loans and a credit grade of "A" for 92.00% or twenty-three (23) mortgage loans.

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

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Canopy's review concluded a compliance grade of "B" for 0.00% or zero (0) mortgage loans and a compliance grade of "A" for 100.00% or twenty-five (25) mortgage loans.

Canopy's review concluded a property/valuation grade of "B" for 0.00% or zero (0) mortgage loans and a property/valuation grade of "A" for 100.00% or twenty-five (25) mortgage loans.

**FINDINGS TABLE**

**REVIEW TABLES**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;23 | &nbsp;&nbsp;92.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;8.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;23 | &nbsp;&nbsp;92.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;8.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** |

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

![](canopy_logo.jpg)

**Additional Loan Summary Details**

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$24070288.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$24070288.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$24070288.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$24070288.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.00% | &nbsp;&nbsp;$1000000.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;10 | &nbsp;&nbsp;40.00% | &nbsp;&nbsp;$7326100.00 |
| &nbsp;&nbsp;Limited Cash Out (GSE Definition) | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;4 | &nbsp;&nbsp;16.00% | &nbsp;&nbsp;$2842000.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;6 | &nbsp;&nbsp;24.00% | &nbsp;&nbsp;$6352300.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;4 | &nbsp;&nbsp;16.00% | &nbsp;&nbsp;$6549888.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$24070288.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;24 | &nbsp;&nbsp;96.00% | &nbsp;&nbsp;$22895288.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.00% | &nbsp;&nbsp;$1175000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$24070288.00** |

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

![](canopy_logo.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;20 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;$21177288.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;2 | &nbsp;&nbsp;8.00% | &nbsp;&nbsp;$834000.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;3 | &nbsp;&nbsp;12.00% | &nbsp;&nbsp;$2059000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$24070288.00** |

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**DATA COMPARISON RESULTS**

Of the twenty-five (25) mortgage loan files reviewed, three (3) unique loans (12.00% by number) have three (3) tape comparison discrepancies across one (1) data field.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;25 | &nbsp;&nbsp;4.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;25 | &nbsp;&nbsp;8.00% |

---

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

![](canopy_logo.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 <br>

## Exhibit 99.5

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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 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 | 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 | 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 |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **Business Purpose Loan?** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **Appraiser License #** | **Appraiser First Name** | **Appraisal Last Name** | **Maturity Date** | **Number of Units** |
| 21717 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.025 | 1.025 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 104.16 | No | 55 | N/A | xxx | xxx | xxx | xxx | 1 |
| 76036 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | No | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.16% | 46.16% | No | Yes |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Executed 4506T Verified, Award Letter Verified - 2026 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025, 2026 | Borrower - 2 YRS Executed 4506T Verified - 2026 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025, 2026 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 80.56 | No | 55.93 | N/A | xxx | xxx | xxx | xxx | 4 |
| 12155 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | No | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 17.54% | 17.54% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2025 \|\| Co Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified - 2025 \|\| Co Borrower - Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 49.26 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 52686 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | No | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.63% | 44.63% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 120 | Yes | 120 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2026, 2025 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2026, 2025 | Borrower - 2026, 2025 \|\| Co Borrower - 2026, 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 35.57 | xxx | 35.57 | No | 68.41 | N/A | xxx | xxx | xxx | xxx | 1 |
| 24024 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | No | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.44% | 21.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2025 | Borrower - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 101.16 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 83954 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | No | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.32% | 45.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025 | Borrower - 3 YRS Executed 4506T Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 10.68 | xxx | 10.68 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 26852 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | No | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 20.10% | 20.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025 | Borrower - 3 YRS Executed 4506T Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 3.10 | xxx | 3.1 | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 47935 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | No | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.49% | 38.49% | Yes | Yes |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 216 | 25 | Other | No | 0 |  | N/A | Borrower - Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 130.36 | xxx | 130.36 | No | 75 | No | xxx | xxx | xxx | xxx | 1 |
| 30660 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | No | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 15.03% | 15.03% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025 | Borrower - 3 YRS Executed 4506T Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 98.65 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13341 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | No | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.93% | 37.93% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025, 2026 \|\| Co Borrower | Borrower - 2024, 2025, 2026 \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 8.88 | xxx | 8.88 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 27918 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | No | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.89% | 49.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified - 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified - 2024, 2023 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 4.51 | xxx | 4.51 | No | 73.25 | N/A | xxx | xxx | xxx | xxx | 1 |
| 26629 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | No | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.98% | 40.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 57.63% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SSI and Disability, Other - CPA Letter Verified, Award Letter Verified, Personal Bank Statements Verified - 2026, 2025 | Borrower - 2026, 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | xxx | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 31.66 | xxx | 31.66 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 24051 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | No | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.86% | 34.86% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 92.09% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Personal Bank Statements Verified - 2025, 2026 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified - 2025, 2026 | Borrower - 2025, 2026 \|\| Co Borrower - 2025, 2026 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  | xxx | xxx | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 41.15 | xxx | 41.15 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 29871 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | No | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 29.93% | 29.93% | No | Yes |  |  |  |  |  |  | Unknown | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 125.89% |  | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower \|\| Co Borrower - SESoleProprietor, SESoleProprietor, Other - Business Bank Statements Verified - 2025, 2026 | Borrower \|\| Co Borrower - 2025, 2026 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 14.41 | xxx | 14.41 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 92685 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | No | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 17.23% | 17.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 106 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2026, 2025 | Borrower - 2026, 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Yes | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 8.74 | xxx | 8.74 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 45813 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.852 | 0.852 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 71.68 | No | 70 | No | xxx | xxx | xxx | xxx | 1 |
| 78520 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | No | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.94% | 49.94% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 230 | 25 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified - 2024, 2025, 2026 \|\| Co Borrower - Wage, Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified - 2024, 2025, 2026 | Borrower - 2024, 2025, 2026 \|\| Co Borrower - 2024, 2025, 2026 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Yes | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 73.24 | No | 60.54 | No | xxx | xxx | xxx | xxx | 1 |
| 63756 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | No | Yes | Yes | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | DU Approve/Eligible | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 15.57% | 15.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2026 | Borrower - 2025, 2026 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 3.89 | xxx | 3.89 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 97347 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | No | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 10.23% | 10.23% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 129.51 | No | 47.62 | N/A | xxx | xxx | xxx | xxx | 1 |
| 49417 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | No | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.00% | 39.00% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR 1099 Only | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 218 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified - 2024, 2025, 2026 | Borrower - 2024, 2025, 2026 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .03 | xxx | 0.03 | No | 58.61 | N/A | xxx | xxx | xxx | xxx | 3 |
| 66858 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | No | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 19.14% | 19.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 74 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2026 | Borrower - 2025, 2026 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 34.18 | No | 67.51 | N/A | xxx | xxx | xxx | xxx | 1 |
| 26912 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | No | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.82% | 47.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 109.23% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other - Business Bank Statements Verified - 2025, 2026 | Borrower - 2025, 2026 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 42.41 | xxx | 42.41 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 81830 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | No | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.16% | 40.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Asset Depletion – Total Asset Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | Yes | Yes | 12 | No | Yes | Yes | 0 | 12 | No |  |  |  | 44.35% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Asset Depletion, Other - Business Bank Statements Verified - 2026, 2025 | Borrower - 2026, 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 153.83 | xxx | 186.01 | No | 54.65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 93780 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | No | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 10.33% | 10.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 16.71 | No | 65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 29628 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.41% | 46.41% | Yes |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | Yes | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion, Subject Property Net Rental Income(Loss) if NOO, Other - 2026, 2025 | Borrower - 2026, 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 15.85 | xxx | 15.85 | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |

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## Exhibit 99.5

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 21717 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 97.59 | 1.025 | 1.025 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | Yes | No | 3.6 | 1 | 1 | N/A | 104.16 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 45813 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 117.43 | 0.852 | 0.852 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xxx |  |  |  |  |  |  |  | No | 15.6 | 1 | 1 | N/A | 71.68 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |  |  |
| 29628 |  |  | xxx | xxx | Asset Depletion – Debt Ratio Calculation | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 15.85 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |

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## Exhibit 99.5

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 21717 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 76036 |  | D A | Closed | FCOM1229 | 2026-02-23 14:04 | 2026-05-08 13:28 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-The 1-4 Family Rider is Present - Due Diligence Vendor-05/08/2026 <br>Ready for Review-Document Uploaded. Corrected mortgage and 1-4 family <br> rider uploaded for review. - Buyer-05/08/2026 <br>Open-1-4 Family Rider is Missing \*\*\*\*\*\*Security Instrument is missing the 1-4<br> rider. Per the Appraisal and Deed of Trust provided, Security Instrument should<br> include 1-4 rider. - Due Diligence Vendor-02/23/2026 |  | Resolved-The 1-4 Family Rider is Present - Due Diligence Vendor-05/08/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 55.93% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 45.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 80.56 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.96 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12155 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 52686 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 24024 |  | C A | Closed | FCOM1292 | 2026-03-23 13:27 | 2026-05-07 15:04 | Resolved | 1 - Information C A | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form Model (new creditor with H-9 form type) | Resolved- - Due Diligence Vendor-05/07/2026 <br>Ready for Review-Document Uploaded. - Buyer-05/07/2026 <br>Counter-\*\*\*Received new electronically signed NORTC in correct form model. Finding will r<br> esolve after the expiration of the new rescission period. Lender to provide additional supporting <br> documentation sent to the borrower: tracking information of package sent to borrower along <br> with LOE sent. - Due Diligence Vendor-05/07/2026 <br>Ready for Review-Document Uploaded. Added Revised and signed Right to Cancel form. - Buyer-05/05/2026 <br>Open-Loan Purpose is Refinance and Creditor did not provide the appropriate Right to Cancel Form Mode<br> l (New creditor with H-9 form type). \*\*\*\*\*\*Documentation provided includes an<br> H9 Right to Cancel form. Lender has NOT been identified as either the current <br> lender or the recorded original lender. The correct form should be an H8 - Due Diligence Vendor-03/23/2026 |  |  | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.21 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.16 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 83954 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 26852 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 47935 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |  |
| 30660 |  | C A | Closed | FCRE6026 | 2026-03-25 05:12 | 2026-04-06 11:46 | Resolved | 1 - Information C A | Credit | Income | Potential Employment/income Issues identified in the file | Resolved-Updated 1003 removing the additional income provided - Due Diligence Vendor-04/06/2026 <br>Ready for Review-Document Uploaded. - Buyer-04/03/2026 <br>Open-Borrower has mentioned additional employment on 1003<br> but its documents are not provided in file. - Due Diligence Vendor-03/25/2026 |  | Resolved-Updated 1003 removing the additional income provided - Due Diligence Vendor-04/06/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.34 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.65 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 45.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.50 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 760 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13341 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 27918 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 26629 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 24051 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 29871 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 92685 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 45813 |  | D A | Closed | FCRE5770 | 2026-04-03 06:52 | 2026-04-08 11:00 | 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-04/08/2026 <br>Ready for Review-Document Uploaded. - Buyer-04/07/2026 <br>Open-Borrower 1 Credit Report is Missing. Borrower 1 Credit Report is Missing in File. <br> Require Credit Report with all Information - Due Diligence Vendor-04/03/2026 |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-04/08/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By<br> Six (6) Or More Months - Months Reserves Of 71.68 Are Greater<br> Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty<br> (20) or More Points - Qualifying FICO Of xxx is Greater Than The<br> Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 78520 |  | B A | Closed | FCRE1143 | 2026-04-08 03:42 | 2026-04-09 08:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Builder is in control of HOA | Waived-The Builder is in control of the HOA Allow temporary certificate of occupancy for new condo project. 61% <br> LTV-xxx credit score 83 months reserves- DTI needs to be under 50% currently <br> 51.596-this is a cash out refi debts can be paid to accommodate this<br> - Due Diligence Vendor-04/08/2026 |  | Waived-The Builder is in control of the HOA Allow temporary certificate of occupancy for new condo project. 61% LTV-xxx credit score 83 months reserves- DTI needs to be under 50% currently 51.596-this is a cash out refi debts can be paid to accommodate this<br> - Due Diligence Vendor-04/08/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 73.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.93 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 60.54% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 17.92 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.51 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.52 Years | - FICO +20 points<br> - LTV 10% below max <br> - Reserves > 6 months min |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 63756 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 97347 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 49417 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 66858 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 26912 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 81830 |  | C A | Closed | finding-47 | 2026-04-14 05:36 | 2026-04-17 11:35 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD_ received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. Submitted PCCD for review. - Buyer-04/17/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end <br> (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.<br> The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required <br> by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*\*\*\* Borrower executed documents on xxx.<br> Please Provide Post Consummation Closing Disclosure funding after Rescission period<br> - Due Diligence Vendor-04/14/2026 <br> Open- - Due Diligence Vendor-04/14/2026 <br> Open- - Due Diligence Vendor-04/14/2026 |  | Resolved-PCCD_ received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/17/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 186.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 40.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 54.65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.24 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 93780 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 29628 |  | C B A | Closed | FCRE1194 | 2026-04-27 12:11 | 2026-04-28 08:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with supporting comp factors: Audited LTV of 70% exceeds Guideline LTV of 65% - Due Diligence Vendor-04/28/2026 <br> Open-Audited LTV of 70% exceeds Guideline LTV of 65% - Due Diligence Vendor-04/28/2026 <br> Ready for Review-Only 2 comp factors are required Fico and Multiple paid as agreed are valid compensating <br> factors noted on the approved credit exception (they are checked off under the Compensating Factors section, <br> not as written in the UW Credit Memo). - Buyer-04/27/2026 Open-Audited LTV of 70% exceeds Guideline<br> LTV of 65% Exception form on page xxx was approved on xxx w/ comp factors : xxx Credit Score. 21.27% DTI.<br> 506 Months Reserves. $xxx. Residual Income. Some of these comp factors no longer apply. Please review and re-submit - Due Diligence Vendor-04/27/2026 |  | Waived-Exception granted with supporting comp factors: Audited LTV of 70% exceeds Guideline LTV of 65% - Due Diligence Vendor-04/28/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.85 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | xxx Credit Score. <br> 21.27% DTI. <br> 506 Months Reserves.  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |

---

## Exhibit 99.5

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 21717 |  |  | xxx A |
| 76036 |  |  | xxx A D |
| 12155 |  |  | xxx A |
| 52686 |  |  | xxx A |
| 24024 |  |  | xxx A C |
| 83954 |  |  | xxx A |
| 26852 |  |  | xxx A |
| 47935 |  |  | xxx A |
| 30660 |  |  | xxx C A |
| 13341 |  |  | xxx A |
| 27918 |  |  | xxx A |
| 26629 |  |  | xxx A |
| 24051 |  |  | xxx A |
| 29871 |  |  | xxx A |
| 92685 |  |  | xxx A |
| 45813 |  |  | xxx D A |
| 78520 |  |  | xxx B A |
| 63756 |  |  | xxx A |
| 97347 |  |  | xxx A |
| 49417 |  |  | xxx A |
| 66858 |  |  | xxx A |
| 26912 |  |  | xxx A |
| 81830 |  |  | xxx A C |
| 93780 |  |  | xxx A |
| 29628 |  |  | xxx C A B |

---

## Exhibit 99.5

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 21717 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 55.0 | 55.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 76036 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 55.93 | 55.93 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | EXCELLENT | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12155 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 52686 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 68.41 | 68.41 |  |  |  |  |  |  |  |  | xxx | xxx | .0227 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 24024 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | xxx |
| 83954 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 26852 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.1 | xxx |
| 47935 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 30660 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | MODERATE RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 13341 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 27918 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 73.25 | 73.25 |  |  |  |  |  |  |  |  | xxx | xxx | .0130 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 26629 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 24051 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 29871 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | REASONABLE | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 92685 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 45813 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 78520 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 60.54 | 60.54 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 63756 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 97347 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 47.62 | 47.62 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible |  |  |
| 49417 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 58.61 | 58.61 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | 0% | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66858 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 67.51 | 67.51 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | REASONABLE | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 26912 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 81830 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 54.65 | 54.65 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | REASONABLE | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 93780 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 29628 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |

---

## Exhibit 99.5

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 21717 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 76036 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Retired | No | No | No |  |
| 12155 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 52686 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | Yes | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 24024 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 83954 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 26852 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 47935 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 30660 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13341 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 27918 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 26629 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 24051 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed | Employed | No | No | No |  |
| 29871 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Unknown | Employed | No | No | No |  |
| 92685 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 45813 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 78520 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 63756 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 97347 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 49417 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 66858 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 26912 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 81830 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | Yes | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 93780 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 29628 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | Yes |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | Yes | Retired |  | No |  | Yes | Present |

---

## Exhibit 99.5

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 26912 |  |  | Primary Appraised Property Value | xxx | xxx |
| 76036 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 49417 |  |  | Property Type | Two to Four Unit | Single Family Detached |

---

## Exhibit 99.6

**Exhibit 99.6**

![](amc-bravo_logo.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on residential mortgage loans acquired by Loan Funding Structure V LLC (the "Client"). These mortgage loans, which were originated by multiple parties, were purchased by the Client in multiple bulk transactions or via Reliance Letter and were reviewed by AMC on behalf of such party. The mortgage loans were reviewed via files imaged and provided by the Client or its designee for review.

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

The diligence review (the "Review") was conducted on a portion of the securitization mortgage loan population reviewed by AMC. The total population covered during the Review varied by mortgage loan scope. The Client may have utilized multiple third-party review ("TPR") firms for the securitization and AMC did not review all of the mortgage loans in the securitization loan population for a specific scope of review.

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

&nbsp;&nbsp;&nbsp;&nbsp;■ "Credit and Compliance Review": 246 mortgage loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Leases Review": 187 mortgage loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Data Integrity Review": 433 mortgage loans

Throughout the securitization process, the Client may have removed or added various mortgage loans from the securitization population for reasons that are unknown to AMC. AMC's disclosures herein reflect findings on the securitization population (as known by AMC) as of the date hereof.

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

The Compliance Review was conducted consistent with the criteria for the NRSRO(s) identified in Item 3 of the Form ABS Due Diligence-15E.

**(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 file as captured during the Compliance Review. The scope of this review and the findings are detailed later in this document.

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

**<u>CREDIT AND COMPLIANCE SCOPE (246 Mortgage Loans)</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, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible,

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

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

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

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

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

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

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

**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.

If standard GSE forms were not used for the mortgage loan, AMC sought to confirm the existence of: (i) a "due on sale" clause, (ii) mortgagor's requirement to maintain adequate insurance at the mortgagor's own expense, and (iii) the holder's right to foreclose and to confirm that any homestead exemption has been waived as required by applicable law within the forms utilized.

**<u>LEASES SCOPE (187 Mortgage Loans)</u>**

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**<u>DOCUMENT REVIEW</u>**

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

**<u>CREDIT REVIEW</u>**

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

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

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

**Employment and Income:** AMC will determine whether applicable supporting employment and income documentation required by the guidelines, was present in the mortgage loan file and where possible, wasn't fraudulent.

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

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

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

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

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

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

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

**Title:** AMC will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower. AMC will also review the Title Commitment for the disclosure 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; and environmental liens. Review for instances of delinquent taxes (non-liens). In addition, AMC will review for Oil, Gas, Water or Mineral rights.

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

**<u>DATA COLLECTION</u>**

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

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

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<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

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income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) depending on the application date, defined in accordance with 1026.2(a)(3)(ii) and the loan designation provided on the subject loan, either:

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

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

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

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

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

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

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

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

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

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

 

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

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

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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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;&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;

&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.

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

**Data Integrity Review (433 Mortgage Loans):** AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Compliance Review. The number of fields included and reviewed on a bid tape can vary by counterparty and by time period of transaction.

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

**(9) Disclaimer**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions,

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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** 

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

**COMPLIANCE RESULTS SUMMARY**

Please note that 187 Leases Review were not subjected to a compliance review and did not receive a compliance grade. Of the remaining 246 mortgage loans under the DBRS, Fitch and S&P rating criteria, 201 (81.71%) mortgage loans received an "A" compliance grade and 45 (18.29%) mortgage loans received a "B" compliance grade.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS, Fitch & S&P Compliance** | &nbsp;&nbsp;**DBRS, Fitch & S&P Compliance** | &nbsp;&nbsp;**DBRS, Fitch & S&P Compliance** | &nbsp;&nbsp;**DBRS, Fitch & S&P Compliance** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Compliance Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;201 | &nbsp;&nbsp;46.42% | &nbsp;&nbsp;81.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;45 | &nbsp;&nbsp;10.39% | &nbsp;&nbsp;18.29% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Compliance Not Run | &nbsp;&nbsp;187 | &nbsp;&nbsp;43.19% | &nbsp;&nbsp;N/A |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**433** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

---

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**CREDIT RESULTS SUMMARY**

Within the securitization population, 379 (87.53%) of the mortgage loans received an "A" credit grade and 54 (12.47%) of the mortgage loans received a "B" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS, Fitch & S&P Credit** | &nbsp;&nbsp;**DBRS, Fitch & S&P Credit** | &nbsp;&nbsp;**DBRS, Fitch & S&P Credit** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;379 | &nbsp;&nbsp;87.53% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;54 | &nbsp;&nbsp;12.47% |
| &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;**433** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

Within the securitization population under the DBRS, Fitch and S&P rating criteria all 433 (100.00%) of the mortgage loans received an "A" property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS, Fitch & S&P Property/Valuation** | &nbsp;&nbsp;**DBRS, Fitch & S&P Property/Valuation** | &nbsp;&nbsp;**DBRS, Fitch & S&P Property/Valuation** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;433 | &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;**433** | &nbsp;&nbsp;**100.00%** |

---

**OVERALL RESULTS SUMMARY**

After considering the grading implications of the Compliance, Credit, and Property/Valuation sections above, under the DBRS, Fitch and S&P ratings criteria, 100% of the loans by number in the pool possessed a NRSRO grade of "A" or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS, Fitch & S&P Overall** | &nbsp;&nbsp;**DBRS, Fitch & S&P Overall** | &nbsp;&nbsp;**DBRS, Fitch & S&P Overall** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;340 | &nbsp;&nbsp;78.52% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;93 | &nbsp;&nbsp;21.48% |
| &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;**433** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION SUMMARY (433 Mortgage Loans)**

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. 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").

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---

| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **DBRS, Fitch & S&P Final Exception Rating** | **Exception Category** | **Total** |
| Compliance | B | TRID Defect | 34 |
| Compliance | B | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 6 |
| Compliance | B | State HPML | 4 |
| Compliance | B | ECOA | 3 |
| Compliance | B | ATR/QM Defect | 2 |
| Compliance | B | Missing Non-Required Data | 2 |
| Compliance | B | Federal HPML | 1 |
| Compliance | B | Misc. State Level | 1 |
| Compliance | B | TRID | 1 |
| Compliance | B | ***Total Compliance Grade (B) Exceptions:*** | ***54*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **54** |
| Credit | B | Guideline | 48 |
| Credit | B | Property - Appraisal | 2 |
| Credit | B | Borrower and Mortgage Eligibility | 1 |
| Credit | B | Credit | 1 |
| Credit | B | Loan Package Documentation | 1 |
| Credit | B | Missing Document | 1 |
| Credit | B | ***Total Credit Grade (B) Exceptions:*** | ***54*** |
| **Total Credit Exceptions:** | **Total Credit Exceptions:** | **Total Credit Exceptions:** | **54** |
| **Total Property Exceptions:** | **Total Property Exceptions:** | **Total Property Exceptions:** | **0** |
| **Grand Total:** | **Grand Total:** | **Grand Total:** | **108** |

---

**DATA INTEGRITY REVIEW RESULTS SUMMARY (433 Mortgage Loans)**

AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Review. The number of fields included and reviewed on a bid tape can vary by counterparty and by the time period of the transaction. The information provided below is based upon the relevant data capture and bid tape elements for a specific transaction, as may be unique for that transaction, within the reviews that occurred to the associated mortgage loans that are included in the securitization population.

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| # of Units | 1 | 105 | 0.95% | 433 |
| Amortization Term | 215 | 326 | 65.95% | 433 |
| Amortization Type | 208 | 333 | 62.46% | 433 |
| Appraisal As-Is Value | 5 | 5 | 100.00% | 433 |
| Appraisal Effective Date | 5 | 5 | 100.00% | 433 |
| Appraised Value | 12 | 325 | 3.69% | 433 |
| Borrower Citizenship | 0 | 5 | 0.00% | 433 |
| Borrower First Name | 18 | 112 | 16.07% | 433 |
| Borrower FTHB | 1 | 5 | 20.00% | 433 |
| Borrower Last Name | 36 | 113 | 31.86% | 433 |
| Borrower SSN | 5 | 5 | 100.00% | 433 |
| Cash From Borrower | 4 | 4 | 100.00% | 433 |
| Cash To Borrower | 1 | 1 | 100.00% | 433 |
| City | 1 | 433 | 0.23% | 433 |

---

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| | | | | |
|:---|:---|:---|:---|:---|
| Coborrower First Name | 3 | 14 | 21.43% | 433 |
| Coborrower Last Name | 2 | 14 | 14.29% | 433 |
| Contract Sales Price | 152 | 290 | 52.41% | 433 |
| Doc Type | 5 | 5 | 100.00% | 433 |
| Escrow Account | 0 | 5 | 0.00% | 433 |
| First Interest Rate Change Date | 10 | 11 | 90.91% | 433 |
| First Payment Date | 8 | 423 | 1.89% | 433 |
| Guideline Name | 204 | 311 | 65.59% | 433 |
| Interest Only | 5 | 5 | 100.00% | 433 |
| Interest Only Period | 13 | 24 | 54.17% | 433 |
| Interest Rate Initial Cap | 5 | 11 | 45.45% | 433 |
| Interest Rate Life Cap | 0 | 11 | 0.00% | 433 |
| Interest Rate Life Floor | 10 | 11 | 90.91% | 433 |
| Interest Rate Periodic Cap | 1 | 11 | 9.09% | 433 |
| Investor: Qualifying Total Debt Ratio | 29 | 246 | 11.79% | 433 |
| Lien Position | 208 | 433 | 48.04% | 433 |
| Loan Property Count | 3 | 5 | 60.00% | 433 |
| LTV Valuation Value | 0 | 50 | 0.00% | 433 |
| Maturity Date | 8 | 424 | 1.89% | 433 |
| Neg Am | 5 | 5 | 100.00% | 433 |
| Note Date | 9 | 112 | 8.04% | 433 |
| Occupancy | 3 | 426 | 0.70% | 433 |
| Original CLTV | 7 | 433 | 1.62% | 433 |
| Original HLTV | 5 | 5 | 100.00% | 433 |
| Original Interest Rate | 0 | 433 | 0.00% | 433 |
| Original Loan Amount | 1 | 433 | 0.23% | 433 |
| Original LTV | 5 | 433 | 1.15% | 433 |
| Original P&I | 5 | 96 | 5.21% | 433 |
| Original Term | 208 | 433 | 48.04% | 433 |
| Originator Loan Designation | 170 | 229 | 74.24% | 433 |
| PITIA Reserves Months | 5 | 5 | 100.00% | 433 |
| Prepayment Penalty Period (months) | 0 | 2 | 0.00% | 433 |
| Product Description | 5 | 5 | 100.00% | 433 |
| Property Type | 92 | 433 | 21.25% | 433 |
| Purpose | 0 | 432 | 0.00% | 433 |
| Refi Purpose | 0 | 32 | 0.00% | 433 |
| Representative FICO | 22 | 433 | 5.08% | 433 |
| State | 0 | 433 | 0.00% | 433 |
| Street | 1 | 113 | 0.88% | 433 |
| Subject Debt Service Coverage Ratio | 112 | 187 | 59.89% | 433 |
| Total Income | 5 | 5 | 100.00% | 433 |
| Universal Loan Identifier (ULI) | 5 | 5 | 100.00% | 433 |
| Zip | 43 | 433 | 9.93% | 433 |
| **Total** | **1886** | **9637** | **19.57%** | **433** |

---

In total, 1,886 data variances were found across 48 unique data fields in the sample. Please note that not all data fields would have been available for all loans.

**ADDITIONAL SUMMARY (433 Mortgage Loans)** 

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*Some % of Loans may not add to 100% due to rounding*

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Fixed | 422 | 97.46% | $252552639.00 | 96.23% |
| Adjustable | 11 | 2.54% | $9902000.00 | 3.77% |
| **Total** | **433** | **100.00%** | **$262454639.00** | **100.00%** |
| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 1 | 433 | 100.00% | $262454639.00 | 100.00% |
| **Total** | **433** | **100.00%** | **$262454639.00** | **100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Cash Out: Home Improvement/Renovation | 3 | 0.69% | $1482000.00 | 0.56% |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 153 | 35.33% | $79994598.00 | 30.48% |
| Limited Cash-Out | 1 | 0.23% | $294000.00 | 0.11% |
| First Time Home Purchase | 63 | 14.55% | $44000568.00 | 16.77% |
| Other-than-first-time Home Purchase | 162 | 37.41% | $101498219.00 | 38.67% |
| Rate/Term Refinance - Borrower Initiated | 51 | 11.78% | $35185254.00 | 13.41% |
| **Total** | **433** | **100.00%** | **$262454639.00** | **100.00%** |
| **Original Term** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 121-180 Months | 4 | 0.92% | $1851800.00 | 0.71% |
| 241-360 Months | 426 | 98.38% | $257898089.00 | 98.26% |
| 361+ Months | 3 | 0.69% | $2704750.00 | 1.03% |
| **Total** | **433** | **100.00%** | **$262454639.00** | **100.00%** |
| **Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Single Family Detached | 228 | 52.66% | $137150703.00 | 52.26% |
| Condo, Low Rise | 26 | 6.00% | $16232832.00 | 6.19% |
| Condo, High Rise | 16 | 3.70% | $9863300.00 | 3.76% |
| Condotel | 2 | 0.46% | $961125.00 | 0.37% |
| PUD | 107 | 24.71% | $67477105.00 | 25.71% |
| Townhouse | 2 | 0.46% | $716396.00 | 0.27% |
| 1 Family Attached | 6 | 1.39% | $3556000.00 | 1.35% |
| 2 Family | 24 | 5.54% | $12849750.00 | 4.90% |
| 3 Family | 13 | 3.00% | $7898950.00 | 3.01% |
| 4 Family | 8 | 1.85% | $5011053.00 | 1.91% |
| Other | 1 | 0.23% | $737425.00 | 0.28% |
| **Total** | **433** | **100.00%** | **$262454639.00** | **100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Primary | 222 | 51.27% | $166387873.00 | 63.40% |
| Investment | 202 | 46.65% | $91315416.00 | 34.79% |

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| | | | | |
|:---|:---|:---|:---|:---|
| Second Home | 9 | 2.08% | $4751350.00 | 1.81% |
| **Total** | **433** | **100.00%** | **$262454639.00** | **100.00%** |

---

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## Exhibit 99.6

![](situsamc_logo.jpg)

**Loan Level Exception - Final Grades**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **EDGAR load ID** | **Borrower Name** | **Deal Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Grade** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Grade** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Subject to High Cost - Unable to Test** | **Disposition 2** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| XXXX | XXXX | 63082 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 63536 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 2 | 2 | [2] General Appraisal Requirements - Incorrect Appraisal Form type: Appraisal Form 1073/465 used for incorrect Subject property type.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX Mixed Use | Mixed Use Property. Floor 1 of property is being<br> leased as commercial space. Floor 2 and 3 is<br> leased as residential. | BUYER - GENERAL COMMENT (2026-01-13): This is a condo on a condo appraisal form - please review.<br> REVIEWER - GENERAL COMMENT (2026-01-15): The appraisal reflects commercial space on the bottom floor for this unit not the entire building.<br> BUYER - GENERAL COMMENT (2026-02-02): see attached<br> REVIEWER - GENERAL COMMENT (2026-02-04): Per guidelines, mixed use properties are ineligible.<br> REVIEWER - WAIVED COMMENT (2026-02-11): Post close lender exception provided. | 1 |  |  |  |  |  |  |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the<br> amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum<br> by at least 40 points. |  | - B | N/A | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 75206 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 36224 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 25786 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | 5% borrower contribution, 10% required per guidelines. Lender exception in file. | REVIEWER - WAIVED COMMENT (2026-02-<br> 12): Lender exception in file. | 1 |  |  |  |  |  |  |  |  | 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. |  | - B | N/A | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 39898 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 49969 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 20408 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 52022 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 11906 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 35542 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 47947 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 38258 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 75539 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 77549 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 99108 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception granted for A-frame property type. | REVIEWER - WAIVED COMMENT (2026-02-17): Lender exception in file. | 1 |  |  |  |  |  |  |  |  | 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. |  | - B | N/A | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 56229 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception approved for SFR with 2 ADUs. The ADUs are newly constructed and appraiser notes are permitted. | REVIEWER - WAIVED COMMENT (2026-02-17): Lender exception in file. | 1 |  |  |  |  |  |  |  |  | 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. |  | - B | N/A | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 82049 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 60751 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 95222 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 80729 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Credit report shows a Mortgage late in last 12 months. XX/XXXX. Shown on report as "Dispute resolved-Consumer Disagrees" | BUYER - GENERAL COMMENT (2026-02-22): please clarify - will a LOE from borrower suffice to clear exception?<br> REVIEWER - GENERAL COMMENT (2026-02-25): Guidelines do not allow any lates in last 12 months. Provide verification there were no 30 day lates in the last 12 months or provide a lender exception.<br> BUYER - GENERAL COMMENT (2026-03-09): see attached approved exception<br> REVIEWER - WAIVED COMMENT (2026-03-11): Post close lender exception provided. | 1 |  |  |  |  |  |  |  |  | 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. |  | - B | N/A | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 47884 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 71447 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 72111 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 71265 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 35662 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 15554 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 99005 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 11939 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 41981 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 24510 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 94646 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 14483 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 72396 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 49530 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 19043 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 62731 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  | 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. |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 82094 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 51990 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 29753 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 97547 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 39510 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 16724 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 83274 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 92824 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 97930 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 39949 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 78615 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 93140 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 19265 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 95290 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 84399 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 19027 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 21572 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 59710 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 22835 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Application / Processing - Missing<br> Document: Employer Identification Number (EIN)<br> not provided | Exception for vesting in a single member LLC that does not have an EIN #. | REVIEWER - WAIVED COMMENT (2026-03-06): Client elects to waive with verified compensation factors | 1 |  |  |  |  |  |  |  |  | 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 Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B | N/A | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 37516 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 13886 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Exception for split signing is approved with a 0.25 pricing hit in addition to standard LLPAs associated with the loan. | REVIEWER - WAIVED COMMENT (2026-03-09): The client elects to waive. | 1 |  |  |  |  |  |  |  |  | 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 Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |  | - B | N/A | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 52723 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 13483 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 50839 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 32374 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 18942 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | If property was not taken off the market 6 months prior to application a 5% LTV reduction applies and a 1 year PPP Is required. The loan does not have a PPP in which MD DSCR investment loans allow. | SELLER - GENERAL COMMENT (2026-03-11): Attached the Approved Exception for this. Please Waive.<br> REVIEWER - WAIVED COMMENT (2026-03-13): Post close lender exception provided. | 1 |  |  |  |  |  |  |  |  | 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. |  | - B | N/A | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 45670 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] General Appraisal Requirements - Subject is a refinance and property is listed for sale.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Client exception to waive the use of the last list price vs. appraised value. Property was with drawnXX/XX/XXXX. | SELLER - GENERAL COMMENT (2026-02-26): The file contains an approved Exception Desk decision waiving the LTV reduction condition related to the prior listing. The approval addresses the listing history and confirms compliance with ARC program requirements. See XXXXXX page 22 (Doc ID D0293). Please Waive.<br> REVIEWER - WAIVED COMMENT (2026-03-02): Lender exception in file. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B | N/A | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 10973 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 52381 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 76896 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 92773 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 64797 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 18422 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 60243 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 53755 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 10838 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 95684 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 58864 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 72329 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 38520 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 90777 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 65296 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 13946 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 73814 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 91124 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 70226 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 39142 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 36972 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 88839 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 45179 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 70852 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 84033 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 11130 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 47146 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Borrower is renting primary, and all borrowers must currently own and be obligated for at least 1 primary or second home in the United States, lender exception in file. | REVIEWER - WAIVED COMMENT (2026-03-04): Lender exception in file. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B | N/A | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 81836 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 13623 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 99681 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 38410 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 51763 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 85829 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 31303 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 98571 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 83669 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 91126 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender requested exception for a layered entity. Lender approval in file. | REVIEWER - WAIVED COMMENT (2026-03-10): Lender exception in file. | 1 |  |  |  |  |  |  |  |  | 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. |  | - B | N/A | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 75834 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 91964 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 29135 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Incomplete 12 month primary rental history provided. Client exception in file for rent payment documentation. Payment method varied. Some payments were made in cash. Rental amount had changed with no written lease. | REVIEWER - WAIVED COMMENT (2026-03-12): Client elects to waive with verified compensation factors | 1 |  |  |  |  |  |  |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B | N/A | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 24585 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 9.60 is less than Guideline PITIA months reserves of 12.00. | Lender exception for escrow waiver with less than 12 months reserves. Approval in file. | REVIEWER - WAIVED COMMENT (2026-03-13): Client elects to waive with verified compensation factors | 1 |  |  |  |  |  |  |  |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DSCR on the loan is greater than the guideline minimum. |  | - B | N/A | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 34923 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 16665 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 77208 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 54746 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 88376 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 41797 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 28212 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 52566 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 86861 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 65939 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 58715 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 24465 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 57277 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 22998 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 48336 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 36809 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 26717 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 79975 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 96681 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Credit Calculation / Analysis - Guideline Requirement: Representative FICO score discrepancy.: Representative FICO score of XXX is less than Guideline representative FICO score of 700. | Representative FICO score of XXX is less than Guideline representative FICO score of 700. Borrower is a First Time Investor. 700 FICO required per overlay for guideline requirements. | BUYER - GENERAL COMMENT (2026-03-25): rebuttal<br> REVIEWER - GENERAL COMMENT (2026-03-27): Per XXXXXXXXXXXXXXXX Access DSCR X.XX.XXguidelines, a representative FICO score of 700 is required. The borrower's representative FICO score is XXX, and the borrower is a First-Time Investor. As such, the loan does not meet the minimum FICO overlay requirement of 700. Exception remains.<br> BUYER - GENERAL COMMENT (2026-03-30): exception<br> REVIEWER - WAIVED COMMENT (2026-03-31): Lender exception provided. | 1 |  |  |  |  |  |  |  |  | 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. |  | - B | N/A | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 12765 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 55674 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 71993 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 19569 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender Exception for EAD Card without Visa is Approved. | REVIEWER - WAIVED COMMENT (2026-03-19): Client elects to waive with verified compenstion factors | 1 |  |  |  |  |  |  |  |  | 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. |  | - B | N/A | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 55259 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 11306 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 60303 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 84657 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 14729 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 23208 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 26127 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 79298 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 94201 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 89090 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 30306 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 96222 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 86889 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 57049 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 37836 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 58717 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Exception for using short term rents to calculate DSCR is approved | REVIEWER - WAIVED COMMENT (2026-03-26): The client elects to waive. | 1 |  |  |  |  |  |  |  |  | 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 Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B | N/A | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 65804 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 44215 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 14187 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 84305 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 11643 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 26062 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 17536 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 21356 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 63436 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 36961 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 23255 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 67591 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 60829 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 33367 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 53183 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 98201 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 47625 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 20320 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 51178 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 65300 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 88484 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 17309 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Mortgage / Program Eligibility - Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy.: Calculated Debt Service Coverage Ratio (Subject DSCR) of .XX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | DSCR .XX less than the required 1.00 DSCR for 1st time investors. | REVIEWER - WAIVED COMMENT (2026-04-03): The client elects to waive. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B | N/A | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 44097 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 65090 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 28066 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 68007 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 53948 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 59692 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 41473 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 40190 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 2 | 2 | [2] Guideline Issue - Escrow waiver not allowed per guidelines. | Guidelines require a 700 credit score for escrow waiver. | BUYER - GENERAL COMMENT (2026-04-21): see attached<br> REVIEWER - WAIVED COMMENT (2026-04-22): Lender exception provided. | 1 |  |  |  |  |  |  |  |  | Borrower has a clean housing payment history<br>Miscellaneous<br>The qualifying DSCR on the loan is greater than the guideline minimum. |  | - B | N/A | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 50101 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 90480 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Title Policy: Title reflects a Unit number XXX vs. all other documents which do not. | SELLER - GENERAL COMMENT (2026-03-09): Title reflects XXXXXas part of the condominium legal description. The Mortgage references the property address as XXXXXXXXXXXXXXXX; however, the attached Legal Description clearly identifies the collateral as XXXXXXXXXXXXXXXXXXXX. The legal description is the controlling identifier of the mortgaged property and properly defines the specific condominium unit securing the loan. Variances in street address formatting across loan documents do not impact the legal identification of the property. The collateral is properly defined through the recorded legal description. Please Cancel.<br> REVIEWER - GENERAL COMMENT (2026-03-11): All docs must match, exception remains.<br> SELLER - GENERAL COMMENT (2026-03-23): Attached the Title Policy that has been updated to remove the XXXXXreference from the mailing address and now reflects the subject property as XXXXXXXXXXXXXXXXXX. This updated title documentation resolves the prior inconsistency and confirms the subject property is properly identified. Please see attached updated Title Policy. Please Clear.<br> REVIEWER - GENERAL COMMENT (2026-03-25): The document provided still reflects XXX.<br> SELLER - GENERAL COMMENT (2026-03-30):XX/XX/XXXX – Sent to XXXXXX – The updated Title Policy reflects the corrected mailing address on Information Schedule 8, now showing XXXXXXXXXXXXXXXXXX, consistent with the subject property address and removing the prior XXXXXreference. As evidenced in the updated title documentation, the property is properly identified and the address discrepancy has been resolved. Please Clear.<br> REVIEWER - GENERAL COMMENT (2026-03-31): Title still reflects XXX.<br> REVIEWER - WAIVED COMMENT (2026-04-06): Client elects to waive with comp factors. | 1 |  |  |  |  |  |  |  |  | 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. |  | - B | N/A | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 40249 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 16305 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 58054 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 20379 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 28053 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Gift funds are from buyer's agent. Lender exception in file. | REVIEWER - WAIVED COMMENT (2026-04-08): Lender exception in file. | 1 |  |  |  |  |  |  |  |  | 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 XX points. |  | - B | N/A | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 80176 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 12652 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 95195 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 99041 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 18806 |  | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | LLC with 5 members, lender exception in file. | REVIEWER - WAIVED COMMENT (2026-04-07): Lender exception in file. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B | N/A | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 53455 | XXXX XXXX | XXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |

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## Exhibit 99.6

![](situsamc_logo.jpg)

**Exception Grades**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Compliance<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | XXXX | 63536 |  | 36440394 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Incorrect Appraisal Form type: Appraisal Form<br> 1073/465 used for incorrect Subject property<br> type. | - ___ | Mixed Use Property. Floor 1 of property is being<br> leased as commercial space. Floor 2 and 3 is<br> leased as residential. |  |  |  | Reviewer Comment (2026-02-11): Post close lender exception provided.<br>Reviewer Comment (2026-02-04): Per guidelines, mixed use properties are ineligible.<br>Buyer Comment (2026-02-02): see attached<br>Reviewer Comment (2026-01-15): The appraisal reflects commercial space on the bottom floor for this unit not the entire building.<br>Buyer Comment (2026-01-13): This is a condo on a condo appraisal form - please review. |  |  | XX/XX/XXXX 9:32:31 AM | 2 B |  | XX | Investment | Refinance - Rate/Term | B | A |  | N/A | No |
| XXXX | XXXX | 25786 |  | 36440419 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 5% borrower contribution, 10% required per guidelines. Lender exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Fico is XX points above guideline minimum. | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-02-12): Lender exception in file. |  |  | XX/XX/XXXX 4:24:27 PM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 99108 |  | 36440483 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception granted for A-frame property type. | 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. | Fico is XX points above guideline minimum. | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-02-17): Lender exception in file. |  |  | XX/XX/XXXX 1:48:56 PM | 2 B |  | XX | Investment | Refinance - Rate/Term | B | A |  | N/A | No |
| XXXX | XXXX | 56229 |  | 36440490 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for SFR with 2 ADUs. The ADUs are newly constructed and appraiser notes are permitted. | 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. | Fico isXXpoints above guideline minimum. | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-02-17): Lender exception in file. |  |  | XX/XX/XXXX 2:10:35 PM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | 80729 |  | 36440514 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Credit report shows a Mortgage late in last 12 months. XX/XXXX. Shown on report as "Dispute resolved-Consumer Disagrees" | 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. | 38 months reserves<br>The fico isXX points above guideline minimum. | Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-03-11): Post close lender exception provided.<br>Buyer Comment (2026-03-09): see attached approved exception<br>Reviewer Comment (2026-02-25): Guidelines do not allow any lates in last 12 months. Provide verification there were no 30 day lates in the last 12 months or provide a lender exception.<br>Buyer Comment (2026-02-22): please clarify - will a LOE from borrower suffice to clear exception? |  |  | XX/XX/XXXX 10:57:00 AM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 22835 |  | 36440741 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Exception for vesting in a single member LLC that does not have an EIN #. | 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 Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-06): Client elects to waive with verified compensation factors |  |  | XX/XX/XXXX 12:45:25 PM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 13886 |  | 36440761 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception for split signing is approved with a 0.25 pricing hit in addition to standard LLPAs associated with the loan. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reserves - over 119 months. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-09): The client elects to waive. |  |  | XX/XX/XXXX 11:54:44 AM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 18942 |  | 36440793 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | If property was not taken off the market 6 months prior to application a 5% LTV reduction applies and a 1 year PPP Is required. The loan does not have a PPP in which MD DSCR investment loans allow. | 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. | 54 months reserves<br>Fico is XX points above guideline minimum. | Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-03-13): Post close lender exception provided.<br>Seller Comment (2026-03-11): Attached the Approved Exception for this. Please Waive. |  |  | XX/XX/XXXX 9:58:12 AM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | 45670 |  | 36440796 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. |  | Client exception to waive the use of the last list price vs. appraised value. Property was with drawnXX/XX/XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 25 months reserves<br>Fico is XX points above guideline minimum. | Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-03-02): Lender exception in file.<br>Seller Comment (2026-02-26): The file contains an approved Exception Desk decision waiving the LTV reduction condition related to the prior listing. The approval addresses the listing history and confirms compliance with ARC program requirements. See XXXXXX page 22 (Doc ID D0293). Please Waive. |  |  | XX/XX/XXXX 12:04:37 PM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | 47146 |  | 36440921 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is renting primary, and all borrowers must currently own and be obligated for at least 1 primary or second home in the United States, lender exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 92 months reserves<br>LTV is XX% below guideline max.<br>Fico is XX points above guideline minimum. | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-03-04): Lender exception in file. |  |  | XX/XX/XXXX 9:57:31 AM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | 91126 |  | 36440971 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested exception for a layered entity. Lender approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 66 months reserves<br>Fico is XX points above guideline minimum. | Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-03-10): Lender exception in file. |  |  | XX/XX/XXXX 1:58:49 PM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 29135 |  | 36440988 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Incomplete 12 month primary rental history provided. Client exception in file for rent payment documentation. Payment method varied. Some payments were made in cash. Rental amount had changed with no written lease. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-12): Client elects to waive with verified compensation factors |  |  | XX/XX/XXXX 1:09:37 PM | 2 B |  | XX | Investment | Refinance - Rate/Term | B | A |  | N/A | No |
| XXXX | XXXX | 24585 |  | 36441002 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less<br> than Guideline PITIA months reserves of ___. | Lender exception for escrow waiver with less than 12 months reserves. Approval in file. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | DSCR > 1.00 | SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2026-03-13): Client elects to waive with verified compensation factors |  |  | XX/XX/XXXX 10:05:21 AM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 96681 |  | 36639892 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Representative FICO score of XXX is less than Guideline representative FICO score of 700. Borrower is a First Time Investor. 700 FICO required per overlay for guideline requirements. | 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. | 19 months reserves | Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-31): Lender exception provided.<br>Buyer Comment (2026-03-30): exception<br>Reviewer Comment (2026-03-27): Per XXXXXXXXXXXXXXXX Access DSCR X.XX.XXguidelines, a representative FICO score of 700 is required. The borrower's representative FICO score is XXX, and the borrower is a First-Time Investor. As such, the loan does not meet the minimum FICO overlay requirement of 700. Exception remains.<br>Buyer Comment (2026-03-25): rebuttal |  |  | XX/XX/XXXX 4:16:54 PM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 19569 |  | 36639901 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception for EAD Card without Visa is Approved. | 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 (2026-03-19): Client elects to waive with verified compenstion factors |  |  | XX/XX/XXXX 8:58:30 AM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | 58717 |  | 36639940 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception for using short term rents to calculate DSCR is approved | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | FICO - XXX | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-26): The client elects to waive. |  |  | XX/XX/XXXX 1:11:40 PM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 17309 |  | 36640000 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | DSCR .XX less than the required 1.00 DSCR for 1st time investors. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>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. | LTVXX% | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-03): The client elects to waive. |  |  | XX/XX/XXXX 11:23:41 AM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 40190 |  | 36640016 |  | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Guidelines require a 700 credit score for escrow waiver. | Borrower has a clean housing payment history<br>Miscellaneous<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Housing payment history clean for 9 years.<br>10 years on same job<br>The DSCR of X.XXis greater than the minimum required DSCR of 1. | Aggregator<br>Aggregator<br>SitusAMC | Reviewer Comment (2026-04-22): Lender exception provided.<br>Buyer Comment (2026-04-21): see attached |  |  | XX/XX/XXXX 3:59:49 PM | 2 B |  | XX | Investment | Refinance - Rate/Term | B | A |  | N/A | No |
| XXXX | XXXX | 90480 |  | 36640020 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: Title reflects a Unit number XXX vs. all other documents which do not. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-06): Client elects to waive with comp factors.<br>Reviewer Comment (2026-03-31): Title still reflects unit XXX.<br>Seller Comment (2026-03-30):XX/XX/XXXX – Sent to XXXXXX – The updated Title Policy reflects the corrected mailing address on Information Schedule 8, now showing XXXXXXXXXXXXXXXXXX, consistent with the subject property address and removing the prior XXXXXreference. As evidenced in the updated title documentation, the property is properly identified and the address discrepancy has been resolved. Please Clear.<br>Reviewer Comment (2026-03-25): The document provided still reflects Unit XXX.<br>Seller Comment (2026-03-23): Attached the Title Policy that has been updated to remove the XXXXXreference from the mailing address and now reflects the subject property as XXXXXXXXXXXXXXXXXX. This updated title documentation resolves the prior inconsistency and confirms the subject property is properly identified. Please see attached updated Title Policy. Please Clear.<br>Reviewer Comment (2026-03-11): All docs must match, exception remains.<br>Seller Comment (2026-03-09): Title reflects XXXXXas part of the condominium legal description. The Mortgage references the property address as XXXXXXXXXXXXXXXX; however, the attached Legal Description clearly identifies the collateral as XXXXXXXXXXXXXXXXXXXX. The legal description is the controlling identifier of the mortgaged property and properly defines the specific condominium unit securing the loan. Variances in street address formatting across loan documents do not impact the legal identification of the property. The collateral is properly defined through the recorded legal description. Please Cancel. |  |  | XX/XX/XXXX 10:04:58 AM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 28053 |  | 36640027 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Gift funds are from buyer's agent. Lender exception in file. | Borrowers made a down payment from their own<br> funds on this purchase transaction of at least 5%<br> and $5,000.00.<br>The representative FICO score exceeds the<br> guideline minimum by XX points. | The representative FICO score exceeds the guideline minimum by XX points. | SitusAMC<br>Aggregator | Reviewer Comment (2026-04-08): Lender exception in file. |  |  | XX/XX/XXXX 1:46:19 PM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 18806 |  | 36640034 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | LLC with 5 members, lender exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 20 months reserves<br>Fico is XX points above guideline minimum. | Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-04-07): Lender exception in file. |  |  | XX/XX/XXXX 1:35:05 PM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |

---

## Exhibit 99.6

![](situsamc_logo.jpg)

**Valuation Report** 

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **EDGAR 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** |
| XXXX | XXXX | 63082 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| XXXX | XXXX | 63536 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.610% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| XXXX | XXXX | 75206 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | 36224 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 25786 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | XXXX | 39898 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| XXXX | XXXX | 49969 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 20408 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | 52022 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 11906 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| XXXX | XXXX | 35542 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | 47947 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 38258 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 75539 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 77549 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 99108 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| XXXX | XXXX | 56229 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| XXXX | XXXX | 82049 |  |  |  |  |  |  |  | 44.440% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXX | XXXX | 60751 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 95222 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.200% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXX | XXXX | 80729 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 47884 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 71447 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 72111 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 71265 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 35662 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 15554 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 99005 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 11939 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | XXXX | 41981 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | XXXX | 24510 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | XXXX | 94646 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 14483 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 72396 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 49530 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | 19043 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 62731 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | XXXX | 82094 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 51990 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| XXXX | XXXX | 29753 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 97547 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 39510 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | XXXX | 16724 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 83274 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 92824 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 97930 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| XXXX | XXXX | 39949 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.270% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | XXXX | 78615 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 93140 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 19265 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.880% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 95290 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | 84399 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 19027 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | 21572 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 59710 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.750% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 22835 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XXXX | XXXX | 37516 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | 13886 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| XXXX | XXXX | 52723 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 13483 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 50839 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | XXXX | 32374 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 18942 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 45670 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXX | XXXX | 10973 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 52381 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 76896 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 92773 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 64797 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 18422 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 60243 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 53755 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.30 |
| XXXX | XXXX | 10838 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXX | XXXX | 95684 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 58864 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 72329 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 38520 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | XXXX | 90777 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | 65296 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 13946 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | 73814 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | 91124 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 70226 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 39142 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 36972 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 88839 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | 45179 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.560% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 70852 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | XXXX | 84033 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | 11130 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 47146 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 81836 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXXX | XXXX | 13623 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 99681 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | 38410 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 51763 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 85829 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.880% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| XXXX | XXXX | 31303 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 98571 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXX | XXXX | 83669 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 91126 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | XXXX | 75834 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 91964 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 29135 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 24585 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 34923 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 16665 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 77208 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 54746 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 88376 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 41797 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| XXXX | XXXX | 28212 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 52566 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | 86861 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | 65939 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | 58715 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 24465 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 57277 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 22998 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | XXXX | 48336 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 36809 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | 26717 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXX | XXXX | 79975 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 96681 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.560% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX | XXXX | 12765 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| XXXX | XXXX | 55674 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 71993 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 19569 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 55259 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 11306 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 60303 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | XXXX | 84657 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 14729 |  |  |  |  |  |  |  | 12.800% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 23208 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 26127 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 79298 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 94201 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 89090 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 30306 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXX | XXXX | 96222 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 86889 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.270% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| XXXX | XXXX | 57049 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | XXXX | 37836 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXXX | XXXX | 58717 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 65804 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 44215 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 14187 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 84305 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | 11643 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXXX | XXXX | 26062 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | XXXX | 17536 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 21356 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| XXXX | XXXX | 63436 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXX | XXXX | 36961 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 23255 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 67591 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 60829 |  |  |  |  |  |  |  | 17.780% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 33367 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | XXXX | 53183 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | 98201 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | 47625 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 20320 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX | XXXX | 51178 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | 65300 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 88484 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 17309 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 44097 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXXX | XXXX | 65090 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 28066 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 68007 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 53948 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| XXXX | XXXX | 59692 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 41473 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 40190 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | XXXX | 50101 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | 90480 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 40249 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| XXXX | XXXX | 16305 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 58054 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 20379 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 28053 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| XXXX | XXXX | 80176 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | XXXX | 12652 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 95195 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 99041 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 18806 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 53455 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |

---

## Exhibit 99.6

![](situsamc_logo.jpg)

**Data Compare (Non-Ignored)**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **EDGAR Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** |
| XXXXX | XXXXX | XXXXX | 63082 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 63536 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 63536 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 63536 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 63536 |  | Property Type | Condo (Low Rise) | Mixed Use | Verified |
| XXXXX | XXXXX | XXXXX | 63536 |  | Interest Only Period |  | 120 | Verified |
| XXXXX | XXXXX | XXXXX | 63536 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 63536 |  | Appraised Value | $XXX | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 63536 |  | Original CLTV | 61.453 | 63.43441 | Verified |
| XXXXX | XXXXX | XXXXX | 63536 |  | Original LTV | 61.453 | 63.43441 | Verified |
| XXXXX | XXXXX | XXXXX | 63536 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 63536 |  | Subject Debt Service Coverage Ratio | 1.21 | 1.22 | Verified |
| XXXXX | XXXXX | XXXXX | 75206 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 75206 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 75206 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 75206 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 75206 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 75206 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 36224 |  | Original Term |  | 180 | Verified |
| XXXXX | XXXXX | XXXXX | 36224 |  | Amortization Term |  | 180 | Verified |
| XXXXX | XXXXX | XXXXX | 36224 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 36224 |  | Property Type | Single Family Detached | 2 Family | Verified |
| XXXXX | XXXXX | XXXXX | 36224 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 36224 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 36224 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 36224 |  | Subject Debt Service Coverage Ratio | 1.00 | 1.07 | Verified |
| XXXXX | XXXXX | XXXXX | 25786 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 25786 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 25786 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 25786 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 25786 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 25786 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 39898 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 39898 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 39898 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 39898 |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified |
| XXXXX | XXXXX | XXXXX | 39898 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 39898 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 39898 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 49969 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 49969 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 49969 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 49969 |  | Property Type | Single Family Detached | 2 Family | Verified |
| XXXXX | XXXXX | XXXXX | 49969 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 49969 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 49969 |  | Subject Debt Service Coverage Ratio | 1.25 | 1.29 | Verified |
| XXXXX | XXXXX | XXXXX | 52022 |  | Subject Debt Service Coverage Ratio | 0.79 | 0.86 | Verified |
| XXXXX | XXXXX | XXXXX | 11906 |  | Zip | XXXXX | XXXXX | Verified |
| XXXXX | XXXXX | XXXXX | 11906 |  | Subject Debt Service Coverage Ratio | 1.50 | 1.67 | Verified |
| XXXXX | XXXXX | XXXXX | 47947 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 47947 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 47947 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 47947 |  | Property Type | Single Family Detached | 2 Family | Verified |
| XXXXX | XXXXX | XXXXX | 47947 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 47947 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 47947 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 38258 |  | Property Type | Single Family Detached | 4 Family | Verified |
| XXXXX | XXXXX | XXXXX | 38258 |  | Subject Debt Service Coverage Ratio | 1.97 | 1.81 | Verified |
| XXXXX | XXXXX | XXXXX | 75539 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 75539 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 75539 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 75539 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 75539 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 75539 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 75539 |  | Subject Debt Service Coverage Ratio | 1.19 | 1.20 | Verified |
| XXXXX | XXXXX | XXXXX | 77549 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 77549 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 77549 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 77549 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 77549 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 77549 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 77549 |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified |
| XXXXX | XXXXX | XXXXX | 99108 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 99108 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 99108 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 99108 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 99108 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 99108 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 99108 |  | Subject Debt Service Coverage Ratio | 2.76 | 1.30 | Verified |
| XXXXX | XXXXX | XXXXX | 56229 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 56229 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 56229 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 56229 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 56229 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 56229 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 56229 |  | Subject Debt Service Coverage Ratio | 1.25 | 1.31 | Verified |
| XXXXX | XXXXX | XXXXX | 82049 |  | Zip | XXXXX | XXXXX | Verified |
| XXXXX | XXXXX | XXXXX | 82049 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 82049 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 82049 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 82049 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 82049 |  | Appraised Value | $XXX | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 82049 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 82049 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 82049 |  | Subject Debt Service Coverage Ratio | 1.20 | 1.14 | Verified |
| XXXXX | XXXXX | XXXXX | 60751 |  | Zip | XXXXX | XXXXX | Verified |
| XXXXX | XXXXX | XXXXX | 60751 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 60751 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 60751 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 60751 |  | Interest Only Period |  | 120 | Verified |
| XXXXX | XXXXX | XXXXX | 60751 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 60751 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 60751 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 60751 |  | Subject Debt Service Coverage Ratio | 1.50 | 1.56 | Verified |
| XXXXX | XXXXX | XXXXX | 80729 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 80729 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 80729 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 80729 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 80729 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 80729 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 47884 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 47884 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 47884 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 47884 |  | Interest Only Period |  | 120 | Verified |
| XXXXX | XXXXX | XXXXX | 47884 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 47884 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 47884 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 47884 |  | Subject Debt Service Coverage Ratio | 1.00 | 1.07 | Verified |
| XXXXX | XXXXX | XXXXX | 71447 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 71447 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 71447 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 71447 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 71447 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 71447 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 71447 |  | Subject Debt Service Coverage Ratio | 1.89 | 1.90 | Verified |
| XXXXX | XXXXX | XXXXX | 72111 |  | Subject Debt Service Coverage Ratio | 1.00 | 1.14 | Verified |
| XXXXX | XXXXX | XXXXX | 71265 |  | Representative FICO | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 71265 |  | Subject Debt Service Coverage Ratio | 1.93 | 2.10 | Verified |
| XXXXX | XXXXX | XXXXX | 15554 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 15554 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 15554 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 15554 |  | Property Type | Single Family Detached | 2 Family | Verified |
| XXXXX | XXXXX | XXXXX | 15554 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 15554 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 15554 |  | Subject Debt Service Coverage Ratio | 1.17 | 1.19 | Verified |
| XXXXX | XXXXX | XXXXX | 99005 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 99005 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 99005 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 99005 |  | Property Type | Single Family Detached | Townhouse | Verified |
| XXXXX | XXXXX | XXXXX | 99005 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 99005 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 99005 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 11939 |  | Subject Debt Service Coverage Ratio | 1.02 | 1.14 | Verified |
| XXXXX | XXXXX | XXXXX | 41981 |  | Zip | XXXXX | XXXXX | Verified |
| XXXXX | XXXXX | XXXXX | 41981 |  | Subject Debt Service Coverage Ratio | 1.00 | 1.17 | Verified |
| XXXXX | XXXXX | XXXXX | 94646 |  | Subject Debt Service Coverage Ratio | 1.00 | 1.07 | Verified |
| XXXXX | XXXXX | XXXXX | 14483 |  | Property Type | Single Family Detached | 3 Family | Verified |
| XXXXX | XXXXX | XXXXX | 14483 |  | Subject Debt Service Coverage Ratio | 1.21 | 1.22 | Verified |
| XXXXX | XXXXX | XXXXX | 72396 |  | Subject Debt Service Coverage Ratio | 1.00 | 1.10 | Verified |
| XXXXX | XXXXX | XXXXX | 49530 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 49530 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 49530 |  | Amortization Type |  | ARM | Verified |
| XXXXX | XXXXX | XXXXX | 49530 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 49530 |  | Appraised Value | $XXX | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 49530 |  | First Interest Rate Change Date |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 49530 |  | Interest Rate Periodic Cap | 2 | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 49530 |  | Interest Rate Life Floor | 2 | 3.5 | Verified |
| XXXXX | XXXXX | XXXXX | 49530 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 49530 |  | Subject Debt Service Coverage Ratio | 0.75 | 0.78 | Verified |
| XXXXX | XXXXX | XXXXX | 19043 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 19043 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 19043 |  | Amortization Type |  | ARM | Verified |
| XXXXX | XXXXX | XXXXX | 19043 |  | Property Type | PUD | PUD Attached | Verified |
| XXXXX | XXXXX | XXXXX | 19043 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 19043 |  | First Interest Rate Change Date |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 19043 |  | Interest Rate Initial Cap | 1 | 2 | Verified |
| XXXXX | XXXXX | XXXXX | 19043 |  | Interest Rate Life Floor | 1 | 3.5 | Verified |
| XXXXX | XXXXX | XXXXX | 19043 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 19043 |  | Subject Debt Service Coverage Ratio | 0.75 | 0.79 | Verified |
| XXXXX | XXXXX | XXXXX | 62731 |  | Subject Debt Service Coverage Ratio | 1.13 | 1.39 | Verified |
| XXXXX | XXXXX | XXXXX | 82094 |  | Property Type | Single Family Detached | 2 Family | Verified |
| XXXXX | XXXXX | XXXXX | 82094 |  | Subject Debt Service Coverage Ratio | 1.00 | 1.06 | Verified |
| XXXXX | XXXXX | XXXXX | 51990 |  | Property Type | PUD | PUD Attached | Verified |
| XXXXX | XXXXX | XXXXX | 51990 |  | Subject Debt Service Coverage Ratio | 0.75 | 0.78 | Verified |
| XXXXX | XXXXX | XXXXX | 97547 |  | Subject Debt Service Coverage Ratio | 1.06 | 1.10 | Verified |
| XXXXX | XXXXX | XXXXX | 16724 |  | Property Type | Single Family Detached | 2 Family | Verified |
| XXXXX | XXXXX | XXXXX | 83274 |  | Property Type | Single Family Detached | 4 Family | Verified |
| XXXXX | XXXXX | XXXXX | 83274 |  | Subject Debt Service Coverage Ratio | 1.13 | 1.14 | Verified |
| XXXXX | XXXXX | XXXXX | 92824 |  | Subject Debt Service Coverage Ratio | 1.40 | 1.38 | Verified |
| XXXXX | XXXXX | XXXXX | 97930 |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified |
| XXXXX | XXXXX | XXXXX | 39949 |  | Property Type | PUD | PUD Attached | Verified |
| XXXXX | XXXXX | XXXXX | 39949 |  | Appraised Value | $XXX | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 78615 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 78615 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 78615 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 78615 |  | Property Type | Single Family Detached | 4 Family | Verified |
| XXXXX | XXXXX | XXXXX | 78615 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 78615 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 78615 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 78615 |  | Subject Debt Service Coverage Ratio | 1.00 | 1.03 | Verified |
| XXXXX | XXXXX | XXXXX | 93140 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 93140 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 93140 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 93140 |  | Property Type | Single Family Detached | 2 Family | Verified |
| XXXXX | XXXXX | XXXXX | 93140 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 93140 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 93140 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 19265 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 19265 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 19265 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 19265 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 19265 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 19265 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 95290 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 95290 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 95290 |  | Amortization Type |  | ARM | Verified |
| XXXXX | XXXXX | XXXXX | 95290 |  | Property Type | PUD | PUD Attached | Verified |
| XXXXX | XXXXX | XXXXX | 95290 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 95290 |  | First Interest Rate Change Date |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 95290 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 95290 |  | Interest Rate Initial Cap | 1 | 2 | Verified |
| XXXXX | XXXXX | XXXXX | 95290 |  | Interest Rate Life Floor | 1 | 3.5 | Verified |
| XXXXX | XXXXX | XXXXX | 95290 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 95290 |  | Subject Debt Service Coverage Ratio | 0.75 | 0.79 | Verified |
| XXXXX | XXXXX | XXXXX | 84399 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 84399 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 84399 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 84399 |  | Property Type | Single Family Detached | 2 Family | Verified |
| XXXXX | XXXXX | XXXXX | 84399 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 84399 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 84399 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 84399 |  | Subject Debt Service Coverage Ratio | 1.44 | 1.45 | Verified |
| XXXXX | XXXXX | XXXXX | 19027 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 19027 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 19027 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 19027 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 19027 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 19027 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 21572 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 21572 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 21572 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 21572 |  | Property Type | Single Family Detached | 2 Family | Verified |
| XXXXX | XXXXX | XXXXX | 21572 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 21572 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 21572 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 21572 |  | Subject Debt Service Coverage Ratio | 1.01 | 1.02 | Verified |
| XXXXX | XXXXX | XXXXX | 59710 |  | Property Type | Single Family Detached | 4 Family | Verified |
| XXXXX | XXXXX | XXXXX | 59710 |  | Subject Debt Service Coverage Ratio | 1.81 | 1.82 | Verified |
| XXXXX | XXXXX | XXXXX | 22835 |  | Subject Debt Service Coverage Ratio | 1.78 | 1.85 | Verified |
| XXXXX | XXXXX | XXXXX | 37516 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 37516 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 37516 |  | Amortization Type |  | ARM | Verified |
| XXXXX | XXXXX | XXXXX | 37516 |  | Property Type | PUD | PUD Attached | Verified |
| XXXXX | XXXXX | XXXXX | 37516 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 37516 |  | First Interest Rate Change Date |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 37516 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 37516 |  | Interest Rate Initial Cap | 1 | 2 | Verified |
| XXXXX | XXXXX | XXXXX | 37516 |  | Interest Rate Life Floor | 1 | 3.5 | Verified |
| XXXXX | XXXXX | XXXXX | 37516 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 37516 |  | Subject Debt Service Coverage Ratio | 0.75 | 0.78 | Verified |
| XXXXX | XXXXX | XXXXX | 13886 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 13886 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 13886 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 13886 |  | Representative FICO | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 13886 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 13886 |  | Occupancy | Primary | Investment | Verified |
| XXXXX | XXXXX | XXXXX | 13886 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 13886 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 13886 |  | Subject Debt Service Coverage Ratio | 1.00 | 1.66 | Verified |
| XXXXX | XXXXX | XXXXX | 52723 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 52723 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 52723 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 52723 |  | Property Type | Single Family Detached | 2 Family | Verified |
| XXXXX | XXXXX | XXXXX | 52723 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 52723 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 52723 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 13483 |  | Property Type | Single Family Detached | 4 Family | Verified |
| XXXXX | XXXXX | XXXXX | 13483 |  | Subject Debt Service Coverage Ratio | 2.00 | 2.18 | Verified |
| XXXXX | XXXXX | XXXXX | 50839 |  | Borrower First Name | XXX |  | Verified |
| XXXXX | XXXXX | XXXXX | 50839 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 50839 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 50839 |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified |
| XXXXX | XXXXX | XXXXX | 18942 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 18942 |  | Property Type | PUD | PUD Attached | Verified |
| XXXXX | XXXXX | XXXXX | 45670 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 10973 |  | Property Type | PUD | PUD Attached | Verified |
| XXXXX | XXXXX | XXXXX | 10973 |  | Subject Debt Service Coverage Ratio | 1.21 | 1.22 | Verified |
| XXXXX | XXXXX | XXXXX | 52381 |  | Borrower First Name | XXX |  | Verified |
| XXXXX | XXXXX | XXXXX | 52381 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 52381 |  | Property Type | Single Family | 2 Family | Verified |
| XXXXX | XXXXX | XXXXX | 52381 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 76896 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 76896 |  | Property Type | Single Family | 3 Family | Verified |
| XXXXX | XXXXX | XXXXX | 76896 |  | Subject Debt Service Coverage Ratio | 1.47 | 1.48 | Verified |
| XXXXX | XXXXX | XXXXX | 92773 |  | Borrower First Name | XXX |  | Verified |
| XXXXX | XXXXX | XXXXX | 92773 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 92773 |  | Coborrower First Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 92773 |  | Coborrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 92773 |  | Property Type | PUD | PUD Attached | Verified |
| XXXXX | XXXXX | XXXXX | 64797 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 64797 |  | Subject Debt Service Coverage Ratio | 2.22 | 2.23 | Verified |
| XXXXX | XXXXX | XXXXX | 18422 |  | Subject Debt Service Coverage Ratio | 1.00 | 1.02 | Verified |
| XXXXX | XXXXX | XXXXX | 60243 |  | Borrower First Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 10838 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 10838 |  | Subject Debt Service Coverage Ratio | 1.02 | 1.03 | Verified |
| XXXXX | XXXXX | XXXXX | 95684 |  | Representative FICO | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 58864 |  | Subject Debt Service Coverage Ratio | 1.88 | 1.89 | Verified |
| XXXXX | XXXXX | XXXXX | 72329 |  | Property Type | Single Family | 2 Family | Verified |
| XXXXX | XXXXX | XXXXX | 72329 |  | Subject Debt Service Coverage Ratio | 1.73 | 1.92 | Verified |
| XXXXX | XXXXX | XXXXX | 38520 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 38520 |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified |
| XXXXX | XXXXX | XXXXX | 90777 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 90777 |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified |
| XXXXX | XXXXX | XXXXX | 65296 |  | Borrower First Name | XXX |  | Verified |
| XXXXX | XXXXX | XXXXX | 65296 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 65296 |  | Property Type | Single Family | 3 Family | Verified |
| XXXXX | XXXXX | XXXXX | 65296 |  | Subject Debt Service Coverage Ratio | 1.12 | 1.13 | Verified |
| XXXXX | XXXXX | XXXXX | 13946 |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 13946 |  | Property Type | PUD | PUD Attached | Verified |
| XXXXX | XXXXX | XXXXX | 13946 |  | Subject Debt Service Coverage Ratio | 1.19 | 1.20 | Verified |
| XXXXX | XXXXX | XXXXX | 73814 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 91124 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 91124 |  | Property Type | PUD | PUD Attached | Verified |
| XXXXX | XXXXX | XXXXX | 91124 |  | Subject Debt Service Coverage Ratio | 1.49 | 1.50 | Verified |
| XXXXX | XXXXX | XXXXX | 70226 |  | Property Type | Single Family | 3 Family | Verified |
| XXXXX | XXXXX | XXXXX | 70226 |  | Subject Debt Service Coverage Ratio | 1.21 | 1.83 | Verified |
| XXXXX | XXXXX | XXXXX | 39142 |  | Property Type | PUD | PUD Attached | Verified |
| XXXXX | XXXXX | XXXXX | 39142 |  | Subject Debt Service Coverage Ratio | 1.02 | 1.03 | Verified |
| XXXXX | XXXXX | XXXXX | 88839 |  | Borrower First Name | XXX |  | Verified |
| XXXXX | XXXXX | XXXXX | 88839 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 88839 |  | Property Type | PUD | PUD Attached | Verified |
| XXXXX | XXXXX | XXXXX | 88839 |  | Subject Debt Service Coverage Ratio | 1.71 | 1.74 | Verified |
| XXXXX | XXXXX | XXXXX | 45179 |  | Borrower First Name | XXX |  | Verified |
| XXXXX | XXXXX | XXXXX | 45179 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 45179 |  | Property Type | Single Family | 2 Family | Verified |
| XXXXX | XXXXX | XXXXX | 70852 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 84033 |  | Subject Debt Service Coverage Ratio | 1.07 | 1.22 | Verified |
| XXXXX | XXXXX | XXXXX | 11130 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 47146 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 81836 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 13623 |  | Borrower First Name | XXX |  | Verified |
| XXXXX | XXXXX | XXXXX | 13623 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 13623 |  | Subject Debt Service Coverage Ratio | 0.88 | 0.89 | Verified |
| XXXXX | XXXXX | XXXXX | 99681 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 99681 |  | Subject Debt Service Coverage Ratio | 1.09 | 1.10 | Verified |
| XXXXX | XXXXX | XXXXX | 85829 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 85829 |  | Contract Sales Price | $XXX | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 85829 |  | Subject Debt Service Coverage Ratio | 0.87 | 0.88 | Verified |
| XXXXX | XXXXX | XXXXX | 98571 |  | Borrower First Name | XXX |  | Verified |
| XXXXX | XXXXX | XXXXX | 98571 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 98571 |  | Property Type | Condo | Condotel | Verified |
| XXXXX | XXXXX | XXXXX | 98571 |  | Subject Debt Service Coverage Ratio | 1.62 | 1.63 | Verified |
| XXXXX | XXXXX | XXXXX | 91126 |  | Borrower First Name | XXX |  | Verified |
| XXXXX | XXXXX | XXXXX | 91126 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 91126 |  | Coborrower First Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 91126 |  | Coborrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 75834 |  | Subject Debt Service Coverage Ratio | 1.06 | 1.07 | Verified |
| XXXXX | XXXXX | XXXXX | 91964 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 91964 |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 91964 |  | Property Type | Single Family | 4 Family | Verified |
| XXXXX | XXXXX | XXXXX | 91964 |  | Subject Debt Service Coverage Ratio | 2.04 | 2.73 | Verified |
| XXXXX | XXXXX | XXXXX | 29135 |  | Subject Debt Service Coverage Ratio | 0.89 | 0.82 | Verified |
| XXXXX | XXXXX | XXXXX | 24585 |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified |
| XXXXX | XXXXX | XXXXX | 34923 |  | Property Type | Single Family | 3 Family | Verified |
| XXXXX | XXXXX | XXXXX | 34923 |  | Subject Debt Service Coverage Ratio | 1.04 | 1.00 | Verified |
| XXXXX | XXXXX | XXXXX | 16665 |  | Subject Debt Service Coverage Ratio | 1.19 | 1.18 | Verified |
| XXXXX | XXXXX | XXXXX | 77208 |  | City | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 77208 |  | Borrower First Name | XXX |  | Verified |
| XXXXX | XXXXX | XXXXX | 77208 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 88376 |  | Borrower First Name | XXX |  | Verified |
| XXXXX | XXXXX | XXXXX | 88376 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 88376 |  | Property Type | Single Family Detached | 3 Family | Verified |
| XXXXX | XXXXX | XXXXX | 88376 |  | Contract Sales Price | $XXX |  | Verified |
| XXXXX | XXXXX | XXXXX | 88376 |  | Original CLTV |  | 70 | Verified |
| XXXXX | XXXXX | XXXXX | 41797 |  | Subject Debt Service Coverage Ratio | 2.12 | 2.08 | Verified |
| XXXXX | XXXXX | XXXXX | 28212 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 28212 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 28212 |  | Amortization Type |  | ARM | Verified |
| XXXXX | XXXXX | XXXXX | 28212 |  | Property Type | PUD | PUD Attached | Verified |
| XXXXX | XXXXX | XXXXX | 28212 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 28212 |  | First Interest Rate Change Date |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 28212 |  | Interest Rate Initial Cap | 1 | 2 | Verified |
| XXXXX | XXXXX | XXXXX | 28212 |  | Interest Rate Life Floor | 1 | 3.5 | Verified |
| XXXXX | XXXXX | XXXXX | 28212 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 28212 |  | Subject Debt Service Coverage Ratio | 0.75 | 0.78 | Verified |
| XXXXX | XXXXX | XXXXX | 52566 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 52566 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 52566 |  | Amortization Type |  | ARM | Verified |
| XXXXX | XXXXX | XXXXX | 52566 |  | Property Type | PUD | PUD Attached | Verified |
| XXXXX | XXXXX | XXXXX | 52566 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 52566 |  | First Interest Rate Change Date |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 52566 |  | Interest Rate Initial Cap | 1 | 2 | Verified |
| XXXXX | XXXXX | XXXXX | 52566 |  | Interest Rate Life Floor | 1 | 3.5 | Verified |
| XXXXX | XXXXX | XXXXX | 52566 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 52566 |  | Subject Debt Service Coverage Ratio | 0.75 | 0.76 | Verified |
| XXXXX | XXXXX | XXXXX | 86861 |  | Property Type | PUD | PUD Attached | Verified |
| XXXXX | XXXXX | XXXXX | 86861 |  | Appraised Value | $XXX | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 86861 |  | Subject Debt Service Coverage Ratio | 0.85 | 0.87 | Verified |
| XXXXX | XXXXX | XXXXX | 65939 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 65939 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 65939 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 65939 |  | Property Type | PUD | PUD Attached | Verified |
| XXXXX | XXXXX | XXXXX | 65939 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 65939 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 65939 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 58715 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 58715 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 58715 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 58715 |  | Property Type | Single Family Detached | 3 Family | Verified |
| XXXXX | XXXXX | XXXXX | 58715 |  | Interest Only Period |  | 120 | Verified |
| XXXXX | XXXXX | XXXXX | 58715 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 58715 |  | Occupancy | Primary | Investment | Verified |
| XXXXX | XXXXX | XXXXX | 58715 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 58715 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 58715 |  | Subject Debt Service Coverage Ratio | 1.35 | 1.28 | Verified |
| XXXXX | XXXXX | XXXXX | 24465 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 24465 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 24465 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 24465 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 24465 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 24465 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 24465 |  | Subject Debt Service Coverage Ratio | 0.95 | 1.00 | Verified |
| XXXXX | XXXXX | XXXXX | 57277 |  | Zip | XXXXX | XXXXX | Verified |
| XXXXX | XXXXX | XXXXX | 57277 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 57277 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 57277 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 57277 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 57277 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 57277 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 57277 |  | Subject Debt Service Coverage Ratio | 1.09 | 1.08 | Verified |
| XXXXX | XXXXX | XXXXX | 22998 |  | Zip | XXXXX | XXXXX | Verified |
| XXXXX | XXXXX | XXXXX | 22998 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 22998 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 22998 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 22998 |  | Interest Only Period |  | 120 | Verified |
| XXXXX | XXXXX | XXXXX | 22998 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 22998 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 22998 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 22998 |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified |
| XXXXX | XXXXX | XXXXX | 48336 |  | Property Type | Single Family Detached | 3 Family | Verified |
| XXXXX | XXXXX | XXXXX | 48336 |  | Subject Debt Service Coverage Ratio | 1.29 | 1.30 | Verified |
| XXXXX | XXXXX | XXXXX | 36809 |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified |
| XXXXX | XXXXX | XXXXX | 26717 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 26717 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 26717 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 26717 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 26717 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 26717 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 26717 |  | Subject Debt Service Coverage Ratio | 1.21 | 1.52 | Verified |
| XXXXX | XXXXX | XXXXX | 79975 |  | Property Type | Single Family Detached | 2 Family | Verified |
| XXXXX | XXXXX | XXXXX | 79975 |  | Subject Debt Service Coverage Ratio | 1.06 | 1.21 | Verified |
| XXXXX | XXXXX | XXXXX | 96681 |  | Zip | XXXXX | XXXXX | Verified |
| XXXXX | XXXXX | XXXXX | 96681 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 96681 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 96681 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 96681 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 96681 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 96681 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 12765 |  | Property Type | Condo (Low Rise) | Site Condo | Verified |
| XXXXX | XXXXX | XXXXX | 12765 |  | Subject Debt Service Coverage Ratio | 1.13 | 1.30 | Verified |
| XXXXX | XXXXX | XXXXX | 55674 |  | Property Type | Single Family Detached | 2 Family | Verified |
| XXXXX | XXXXX | XXXXX | 55674 |  | Subject Debt Service Coverage Ratio | 1.25 | 1.05 | Verified |
| XXXXX | XXXXX | XXXXX | 71993 |  | Zip | XXXXX | XXXXX | Verified |
| XXXXX | XXXXX | XXXXX | 11306 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 11306 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 11306 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 11306 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 11306 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 11306 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 11306 |  | Subject Debt Service Coverage Ratio | 0.81 | 0.77 | Verified |
| XXXXX | XXXXX | XXXXX | 60303 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 60303 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 60303 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 60303 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 60303 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 60303 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 84657 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 84657 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 84657 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 84657 |  | Property Type | Single Family Detached | 2 Family | Verified |
| XXXXX | XXXXX | XXXXX | 84657 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 84657 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 84657 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 84657 |  | Subject Debt Service Coverage Ratio | 1.41 | 1.44 | Verified |
| XXXXX | XXXXX | XXXXX | 14729 |  | Appraised Value | $XXX | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 14729 |  | Subject Debt Service Coverage Ratio | 1.00 | 1.03 | Verified |
| XXXXX | XXXXX | XXXXX | 23208 |  | Property Type | Single Family Detached | Condo (Low Rise) | Verified |
| XXXXX | XXXXX | XXXXX | 23208 |  | Subject Debt Service Coverage Ratio | 0.81 | 0.92 | Verified |
| XXXXX | XXXXX | XXXXX | 26127 |  | Representative FICO | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 26127 |  | Subject Debt Service Coverage Ratio | 1.00 | 1.11 | Verified |
| XXXXX | XXXXX | XXXXX | 79298 |  | Zip | XXXXX | XXXXX | Verified |
| XXXXX | XXXXX | XXXXX | 79298 |  | Subject Debt Service Coverage Ratio | 1.04 | 1.05 | Verified |
| XXXXX | XXXXX | XXXXX | 94201 |  | Property Type | Condo (Low Rise) | Condotel | Verified |
| XXXXX | XXXXX | XXXXX | 94201 |  | Subject Debt Service Coverage Ratio | 1.17 | 1.18 | Verified |
| XXXXX | XXXXX | XXXXX | 96222 |  | Appraised Value | $XXX | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 96222 |  | Original CLTV | 40 | 47.05882 | Verified |
| XXXXX | XXXXX | XXXXX | 96222 |  | Original LTV | 40 | 47.05882 | Verified |
| XXXXX | XXXXX | XXXXX | 96222 |  | Subject Debt Service Coverage Ratio | 1.44 | 1.41 | Verified |
| XXXXX | XXXXX | XXXXX | 57049 |  | Zip | XXXXX | XXXXX | Verified |
| XXXXX | XXXXX | XXXXX | 37836 |  | Property Type | Single Family Detached | Single Family Attached | Verified |
| XXXXX | XXXXX | XXXXX | 37836 |  | Subject Debt Service Coverage Ratio | 0.97 | 0.98 | Verified |
| XXXXX | XXXXX | XXXXX | 58717 |  | Zip | XXXXX | XXXXX | Verified |
| XXXXX | XXXXX | XXXXX | 58717 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 58717 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 58717 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 58717 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 58717 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 58717 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 58717 |  | Subject Debt Service Coverage Ratio | 1.22 | 1.30 | Verified |
| XXXXX | XXXXX | XXXXX | 65804 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 65804 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 65804 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 65804 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 65804 |  | Investor: Qualifying Total Debt Ratio | 196.942 |  | Verified |
| XXXXX | XXXXX | XXXXX | 65804 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 65804 |  | Subject Debt Service Coverage Ratio | 1.51 | 1.08 | Verified |
| XXXXX | XXXXX | XXXXX | 44215 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 44215 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 44215 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 44215 |  | Property Type | PUD | PUD Attached | Verified |
| XXXXX | XXXXX | XXXXX | 44215 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 44215 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 44215 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 14187 |  | Zip | XXXXX | XXXXX | Verified |
| XXXXX | XXXXX | XXXXX | 14187 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 14187 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 14187 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 14187 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 14187 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 14187 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 14187 |  | Subject Debt Service Coverage Ratio | 1.00 | 1.23 | Verified |
| XXXXX | XXXXX | XXXXX | 84305 |  | Property Type | Single Family Detached | 4 Family | Verified |
| XXXXX | XXXXX | XXXXX | 11643 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 11643 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 11643 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 11643 |  | Property Type | Condo (Low Rise) | Condo (Mid Rise) | Verified |
| XXXXX | XXXXX | XXXXX | 11643 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 11643 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 11643 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 11643 |  | Subject Debt Service Coverage Ratio | 1.30 | 1.60 | Verified |
| XXXXX | XXXXX | XXXXX | 26062 |  | Subject Debt Service Coverage Ratio | 2.96 | 2.79 | Verified |
| XXXXX | XXXXX | XXXXX | 17536 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 17536 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 17536 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 17536 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 17536 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 17536 |  | Subject Debt Service Coverage Ratio | 1.23 | 1.21 | Verified |
| XXXXX | XXXXX | XXXXX | 21356 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 21356 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 21356 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 21356 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 21356 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 21356 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 63436 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 63436 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 63436 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 63436 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 63436 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 63436 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 36961 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 36961 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 36961 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 36961 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 36961 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 36961 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 36961 |  | Subject Debt Service Coverage Ratio | 0.79 | 0.85 | Verified |
| XXXXX | XXXXX | XXXXX | 23255 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 23255 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 23255 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 23255 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 23255 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 23255 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 67591 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 67591 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 67591 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 67591 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 67591 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 67591 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 60829 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 60829 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 60829 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 60829 |  | Property Type | Single Family Detached | 3 Family | Verified |
| XXXXX | XXXXX | XXXXX | 60829 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 60829 |  | Original CLTV | 63.679 | 75 | Verified |
| XXXXX | XXXXX | XXXXX | 60829 |  | Original LTV | 63.679 | 75 | Verified |
| XXXXX | XXXXX | XXXXX | 60829 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 60829 |  | Subject Debt Service Coverage Ratio | 1.29 | 1.24 | Verified |
| XXXXX | XXXXX | XXXXX | 33367 |  | Zip | XXXXX | XXXXX | Verified |
| XXXXX | XXXXX | XXXXX | 33367 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 33367 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 33367 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 33367 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 33367 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 33367 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 33367 |  | Subject Debt Service Coverage Ratio | 1.00 | 0.91 | Verified |
| XXXXX | XXXXX | XXXXX | 53183 |  | Zip | XXXXX | XXXXX | Verified |
| XXXXX | XXXXX | XXXXX | 53183 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 53183 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 53183 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 53183 |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified |
| XXXXX | XXXXX | XXXXX | 53183 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 53183 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 53183 |  | Subject Debt Service Coverage Ratio | 0.78 | 0.79 | Verified |
| XXXXX | XXXXX | XXXXX | 98201 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 98201 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 98201 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 98201 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 98201 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 98201 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 98201 |  | Subject Debt Service Coverage Ratio | 1.12 | 1.10 | Verified |
| XXXXX | XXXXX | XXXXX | 47625 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 47625 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 47625 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 47625 |  | Property Type | Single Family Detached | 4 Family | Verified |
| XXXXX | XXXXX | XXXXX | 47625 |  | Interest Only Period |  | 120 | Verified |
| XXXXX | XXXXX | XXXXX | 47625 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 47625 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 47625 |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified |
| XXXXX | XXXXX | XXXXX | 20320 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 20320 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 20320 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 20320 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 20320 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 20320 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 51178 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 51178 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 51178 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 51178 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 51178 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 51178 |  | Subject Debt Service Coverage Ratio | 1.16 | 1.94 | Verified |
| XXXXX | XXXXX | XXXXX | 65300 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 65300 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 65300 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 65300 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 65300 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 65300 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 88484 |  | Zip | XXXXX | XXXXX | Verified |
| XXXXX | XXXXX | XXXXX | 88484 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 88484 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 88484 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 88484 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 88484 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 88484 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 17309 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 17309 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 17309 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 17309 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 17309 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 17309 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 17309 |  | Subject Debt Service Coverage Ratio | 0.93 | 0.94 | Verified |
| XXXXX | XXXXX | XXXXX | 44097 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 44097 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 44097 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 44097 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 44097 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 44097 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 44097 |  | Subject Debt Service Coverage Ratio | 1.03 | 1.02 | Verified |
| XXXXX | XXXXX | XXXXX | 28066 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 28066 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 28066 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 28066 |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified |
| XXXXX | XXXXX | XXXXX | 28066 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 28066 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 28066 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 28066 |  | Subject Debt Service Coverage Ratio | 0.76 | 0.77 | Verified |
| XXXXX | XXXXX | XXXXX | 68007 |  | Property Type | Single Family Detached | 3 Family | Verified |
| XXXXX | XXXXX | XXXXX | 53948 |  | First Payment Date | $XXX | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 53948 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 53948 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 53948 |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 53948 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 53948 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 53948 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 53948 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 59692 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 40190 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 40190 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 40190 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 40190 |  | Interest Only Period |  | 120 | Verified |
| XXXXX | XXXXX | XXXXX | 40190 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 40190 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 50101 |  | Original Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 50101 |  | Amortization Term |  | 360 | Verified |
| XXXXX | XXXXX | XXXXX | 50101 |  | Amortization Type |  | Fixed | Verified |
| XXXXX | XXXXX | XXXXX | 50101 |  | Lien Position |  | 1 | Verified |
| XXXXX | XXXXX | XXXXX | 50101 |  | Guideline Name |  | XXXX | Verified |
| XXXXX | XXXXX | XXXXX | 40249 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 16305 |  | Property Type | Single Family | 2 Family | Verified |
| XXXXX | XXXXX | XXXXX | 58054 |  | Borrower First Name | XXX |  | Verified |
| XXXXX | XXXXX | XXXXX | 58054 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 58054 |  | Subject Debt Service Coverage Ratio | 1.02 | 1.03 | Verified |
| XXXXX | XXXXX | XXXXX | 20379 |  | Borrower First Name | XXX |  | Verified |
| XXXXX | XXXXX | XXXXX | 20379 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 28053 |  | Borrower First Name | XXX |  | Verified |
| XXXXX | XXXXX | XXXXX | 28053 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 28053 |  | Subject Debt Service Coverage Ratio | 1.07 | 1.08 | Verified |
| XXXXX | XXXXX | XXXXX | 80176 |  | Subject Debt Service Coverage Ratio | 1.14 | 1.15 | Verified |
| XXXXX | XXXXX | XXXXX | 12652 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 95195 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 95195 |  | Subject Debt Service Coverage Ratio | 0.84 | 0.91 | Verified |
| XXXXX | XXXXX | XXXXX | 99041 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 99041 |  | Property Type | Single Family | 2 Family | Verified |
| XXXXX | XXXXX | XXXXX | 99041 |  | Original CLTV | 46.911 | 48.2659 | Verified |
| XXXXX | XXXXX | XXXXX | 99041 |  | Original LTV | 46.911 | 48.2659 | Verified |
| XXXXX | XXXXX | XXXXX | 99041 |  | Subject Debt Service Coverage Ratio | 1.24 | 1.25 | Verified |
| XXXXX | XXXXX | XXXXX | 18806 |  | Borrower First Name | XXX |  | Verified |
| XXXXX | XXXXX | XXXXX | 18806 |  | Borrower Last Name | XXX | XXX | Verified |
| XXXXX | XXXXX | XXXXX | 18806 |  | Contract Sales Price |  | $XXX | Verified |
| XXXXX | XXXXX | XXXXX | 53455 |  | Subject Debt Service Coverage Ratio | 1.16 | 1.39 | Verified |

---

## Exhibit 99.6

![](situsamc_logo.jpg)

**Loan Level Exception - Final Grades**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Borrower Name** | **Deal Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Grade** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Grade** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Subject to High Cost - Unable to Test** | **Disposition 2** |
| XXXX | XXXX | 57201 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - New York Subprime Home Loan Threshold Fixed Compliant: New York Subprime Loan: APR on subject loan ofX.XX% or Final Disclosure APR of X.XX% is in excess of allowable threshold of Prime Mortgage Market Rate 6.64000 + 1.75%, or 8.39000%. Compliant SubPrime Loan. |  | BUYER - WAIVED COMMENT (2025-04-30): SGCP<br> acknowledges this informational EV2 finding | State Compliance - New York Subprime Home Loan Threshold Fixed Compliant: A violation of the subprime home loan provisions may be asserted by a borrower as a defense in any action by a lender or assignee to enforce a loan against a borrower in default more than sixty days or in foreclosure. Any person found to have violated the provisions shall be liable to the borrower of a subprime home loan for actual damages. The subprime home loan provisions do not otherwise appear to impose any civil liability on an assignee. | Borrower has been employed in the same industry for more than 5<br> years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this<br> purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by<br> at least 40 points. |  | - A B |
| XXXX | XXXX | 43043 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - New York Subprime Home Loan Threshold Fixed Compliant: New York Subprime Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is in excess of allowable threshold of Prime Mortgage Market Rate 6.87000 + 1.75%, or 8.62000%. Compliant SubPrime Loan. | State Compliance - New York Subprime Home Loan Threshold Fixed Compliant: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is in excess of allowable threshold of Prime Mortgage Market Rate 6.87000 + 1.75%, or 8.62000%. Compliant SubPrime Loan. | BUYER - WAIVED COMMENT (2025-05-15): SGCP acknowledges and waives this non-material EV2 finding: | State Compliance - New York Subprime Home Loan Threshold Fixed Compliant: A violation of the subprime home loan provisions may be asserted by a borrower as a defense in any action by a lender or assignee to enforce a loan against a borrower in default more than sixty days or in foreclosure. Any person found to have violated the provisions shall be liable to the borrower of a subprime home loan for actual damages. The subprime home loan provisions do not otherwise appear to impose any civil liability on an assignee. | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | - A B |
| XXXX | XXXX | 47670 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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. |  | - A |
| XXXX | XXXX | 93093 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | N/A | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX025) | Federal Compliance - ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation: Verification appraisal was delivered to borrower 3 business days prior to closing was not provided. | SELLER - GENERAL COMMENT (2025-05-13): Appraisal delivery<br> AIR.pdf (Unclassified) was referenced<br> REVIEWER - GENERAL COMMENT (2025-05-16): Exception remains, missing acknowledgement evidence that borrower was received copy of Appraisal within 3 business days prior to Closing. Provided Appraisal notice contains only Appraisal delivered on XX/XX/XXXX which is not within 3 business days prior to Closing.<br> BUYER - WAIVED COMMENT (2025-05-19): SGCP acknowledges and waives this non-material EV2 finding: | Federal Compliance - ECOA Appraisal - Appraisal<br> Waiver Less than 3 Days From Consummation:<br> There is generally no Assignee Liability. | 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%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A B |
| XXXX | XXXX | 72507 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - 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. (Client:362XX/XX/XXXX025)<br> [2] Federal Compliance - 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. (Client:361XX/XX/XXXX025) |  | SELLER - GENERAL COMMENT (2025-05-27): Please advise on these conditions we already submitted the appraisal waiver. Borrower waived rights to received 3 day prior to closing. not exactly sure what is being asked.<br> REVIEWER - GENERAL COMMENT (2025-05-30): The appraisal waiver is located in the file however per ECOA Valuations Rule (Dodd-Frank 2014) the appraisal is required to be provided to borrower at or before closing. Documentation to confirm that the borrower received the appraisal at or before closing is not located in the file.<br> SELLER - GENERAL COMMENT (2025-06-02): See attached showing Appraisal was delivered to borrower.<br> XXXXXXXX proof of Appraisal delivered 05.14.25.pdf (Unclassified) was uploaded<br> REVIEWER - GENERAL COMMENT (2025-06-03): Exception is an EV2 for informational purposes only. Lender may, at their discretion, choose to waive this exception.<br> SELLER - GENERAL COMMENT (2025-06-10): I'm not sure what an EV2 conditions is. So this is just and FYI condition and not an actual Condition? Please clear if not an actual condition.<br>Reviewer Comment (2025-06-03): Exception is an EV2 for informational purposes only. Lender may, at their discretion, choose to waive this exception.<br> BUYER - WAIVED COMMENT (2025-06-10): SGCP acknowledges this non-material ECOA ev2<br> SELLER - GENERAL COMMENT (2025-05-27): Please advise on these conditions we already submitted the appraisal waiver. Borrower waived rights to received 3 day prior to closing. not exactly sure what is being asked.<br> REVIEWER - GENERAL COMMENT (2025-05-30): The appraisal waiver is located in the file however per ECOA Valuations Rule (Dodd-Frank 2014) the appraisal is required to be provided to borrower at or before closing. Documentation to confirm that the borrower received the appraisal at or before closing is not located in the file.<br> SELLER - GENERAL COMMENT (2025-06-02): See attached showing Appraisal was delivered to borrower.<br> XXXXXXXX proof of Appraisal delivered 05.14.25.pdf (Unclassified) was uploaded<br> REVIEWER - GENERAL COMMENT (2025-06-03): Lender correspondence doc confirms delivery date XX/XX/XXXX, however doesn't show if borrower received appraisal 3 days prior to closing (closing date XX/XX/XXXX).<br> BUYER - WAIVED COMMENT (2025-06-10): SGCP acknowledges this non-material ECOA ev2 |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | - A B |
| XXXX | XXXX | 23026 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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%.<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. |  | - A |
| XXXX | XXXX | 66622 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) |  | REVIEWER - CURED COMMENT (2025-07-01): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous<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. |  | - A |
| XXXX | XXXX | 42749 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 87490 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $129.00 exceeds tolerance of $86.00 plus 10% or $94.60. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (2026-01-13): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 21985 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 86971 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception to allow primary rate/term refinance for borrower providing housing for a parent. Contingent on subject's documented completion of recent renovations since the time of purchase. Missing documented renovations completion. | BUYER - GENERAL COMMENT (2026-02-03): see attached docs rcvd<br> REVIEWER - WAIVED COMMENT (2026-02-05): Lender exception in file. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The 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%.<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. |  | - B A |
| XXXX | XXXX | 33636 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $526.95 exceeds tolerance of $495.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) |  | REVIEWER - CURED COMMENT (2026-02-04): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 42733 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Higher Priced QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 93430 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender Exception Given for Exception requested for use of both personal and business bank statements for co-borrower. B2 is owner of peticure XXXXXXXXXXXXXXX. | REVIEWER - WAIVED COMMENT (2026-02-12): Lender exception in file. | 1 |  |  |  | 1 |  |  |  |  | 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. |  | - B A |
| XXXX | XXXX | 64146 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 66864 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 42816 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $440.00 exceeds tolerance of $390.00 plus 10% or $429.00. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (2026-02-10): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 51025 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - 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 $120.00 exceeds tolerance of $0.00. $120.00 over legal limit. Insufficient or no cure was provided to the borrower. (75104) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. $120.00 over legal limit. Insufficient or no cure was provided to the borrower. | BUYER - GENERAL COMMENT (2026-03-12): see attached LOX, delivery, check and PCCD<br> REVIEWER - CURED COMMENT (2026-03-16): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 98200 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Miscellaneous - Credit Exception: | Approved Lender exception in file for New Construction project where at least 50% of the total units in both the project and the subject phase are complete and sold under contract is approved with a 0.25 pricing hit in addition to standard LLPA's associated with the loan. | BUYER - GENERAL COMMENT (2026-02-13): If there is an exception in the file, please review and clear.<br> REVIEWER - WAIVED COMMENT (2026-02-17): Lender exception in file. | 1 |  |  |  | 1 |  |  |  |  | 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. |  | - B A |
| XXXX | XXXX | 74637 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 77631 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Higher Priced QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 81127 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $293.20 exceeds tolerance of $260.00 plus 10% or $286.00. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Ten Percent Fee Tolerance exceeded. Total amount of $293.20 exceeds tolerance of $260.00 plus 10% or $286.00. Sufficient or excess cure was provided to the borrower at Closing. (0) | REVIEWER - CURED COMMENT (2026-02-12): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 31626 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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. |  | - A |
| XXXX | XXXX | 52007 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - General Ability To Repay Provision Income and Assets - Assets: Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (Gift Funds/Gift Funds) | Federal Compliance - General Ability To Repay Provision Income and Assets - Assets: Gift asset of $40,020.00 received after closing onX/X/XX | BUYER - GENERAL COMMENT (2026-02-23): see attached docs<br> BUYER - GENERAL COMMENT (2026-02-23): loan funded onX/X, which is the same day the gift funds were received. The subject property is in an escrow state so the date of the signing is irrelevant, it's the funding date that is important. Attached is the disbursement CD, which reflects a XX/XX/XXXXisbursement date.<br> REVIEWER - GENERAL COMMENT (2026-02-25): The issue is the gift letter is dated after the Note date ofXX/XX/XXXXexception remains.<br> REVIEWER - GENERAL COMMENT (2026-03-04): Regraded to EV2-B based on no letter indicating repayment of the gift is expected and with sufficient compensating factors to mitigate the risk.<br> BUYER - GENERAL COMMENT (2026-03-04): please confirm this should have cleared with the approved exception in file uploaded to attached exception 35806084<br> REVIEWER - WAIVED COMMENT (2026-03-06): The client elects to waive. | Federal Compliance - General Ability To Repay Provision Income and Assets - Assets: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $4,000, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. | 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. |  | - A B |
| XXXX | XXXX | 15655 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 61955 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Using private investment assets for asset<br> utilization, lender exception in file. | REVIEWER - WAIVED COMMENT (2026-02-13):<br> Lender exception in file. | 1 |  |  |  | 1 |  |  |  |  | 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. |  | - B A |
| XXXX | XXXX | 22221 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $199.00 exceeds tolerance of $115.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (2026-02-12): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 68546 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 72296 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Application / Processing - Missing Document: Other not provided | Rent free letter missing. Client exception in file for rent free letter unable to be obtained. | REVIEWER - WAIVED COMMENT (2026-02-13): Client elects to waive with verified compensation factors | 1 |  |  |  | 1 |  |  |  |  | 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. |  | - B A |
| XXXX | XXXX | 39882 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $266.00 exceeds tolerance of $248.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (2026-02-12): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 92148 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,629.05 exceeds tolerance of $2,627.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Sufficient cure provided at closing | REVIEWER - CURED COMMENT (2026-03-05): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 96757 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 43370 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Home Improvement | Higher Priced QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $299.00 exceeds tolerance of $210.00. Sufficient or excess cure was provided to the borrower at Closing. (75208)<br> [1] Federal Compliance - 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 $94.00 exceeds tolerance of $35.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (2026-02-13): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2026-02-13): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 43361 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 23647 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Less than 2 years self employment, lender exception in file. | REVIEWER - WAIVED COMMENT (2026-02-17): Lender exception in file. | 1 |  |  |  | 1 |  |  |  |  | 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. |  | - B A |
| XXXX | XXXX | 43428 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $165.08 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (77209) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $165.08 exceeds tolerance of $0.00. $165.08 over legal limit. Insufficient or no cure was provided to the borrower. | REVIEWER - CURED COMMENT (2026-02-17): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 32015 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 79953 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception for investor concentration is approved with a 0.25 pricing hit in addition to standard LLPA's associated with the loan. | BUYER - GENERAL COMMENT (2026-02-17): exception was approved<br> REVIEWER - WAIVED COMMENT (2026-02-19): Lender exception in file. | 1 |  |  |  | 1 |  |  |  |  | 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 guideline required amount by the equivalent of 4 months PITIA or more.<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. |  | - B A |
| XXXX | XXXX | 87596 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 24747 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 79571 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 46446 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception in file for kitchen cooktop only is approved with a 0.25 pricing hit in addition to standard LLPA's associated with the loan | REVIEWER - WAIVED COMMENT (2026-02-18): Lender exception in file. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 73971 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $550.00. $50.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Cure nor valid COC provided. COC just indicates fees were updated without a reason. | BUYER - GENERAL COMMENT (2026-03-03): See attached<br> REVIEWER - CURED COMMENT (2026-03-04): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 88032 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 15597 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 75572 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 98281 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $257.24 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (2026-02-17): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 19445 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender Exception granted for condo completion status and fidelity coverage. | REVIEWER - WAIVED COMMENT (2026-02-19): Client elects to waive with verified compensation factors | 1 |  |  |  | 1 |  |  |  |  | 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 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%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 16531 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX026) | Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: Reason was not provided on page 4. | BUYER - GENERAL COMMENT (2026-02-25): docs uploaded<br> REVIEWER - CURED COMMENT (2026-02-26): Situamc Received Letter of Explanation & Corrected Closing Disclosure. | Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 41454 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Higher Priced QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 17299 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Credit Documentation - Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Lender exception: If a borrower rents from a private landlord, the most recent 12 months' consecutive cancelled checks (front and back) along with a copy of the lease must be provided. VOR in file does not have Section 1 completed and borrower's pay history fromXX/XX/XXXXXX/XX/XXXX not provided. Borrower is currently renting for 5 months, and rent is paid in cash. Prior to that borrower owned XXXXXXXXXXXXXXXXXXX property free/clear but property has since been awarded to ex-wife. Borrower's business isXXXXXXXXXXXXXXXX. | REVIEWER - WAIVED COMMENT (2026-02-20): Client elects to waive with verified compensation factors | 1 |  |  |  | 2 | [2] Miscellaneous Compliance - Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD.: Date Issued: XX/XX/XXXX Title - Courier / Express Mail / Messenger Fee | Miscellaneous Compliance - Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD.: CD payee is blank | BUYER - GENERAL COMMENT (2026-02-26): docs uploaded<br> REVIEWER - CURED COMMENT (2026-03-02): Documentation provided, exception cured. |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 71874 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 32797 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Client exception in file for Condo with non-incidental income >10% is approved contingent on the project meeting all NWC guidelines. | REVIEWER - WAIVED COMMENT (2026-02-23): Client elects to waive with verified compensation factors | 1 |  |  |  | 1 |  |  |  |  | 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 guideline required amount by the equivalent of 4 months PITIA or more.<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. |  | - B A |
| XXXX | XXXX | 30882 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 68589 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 49896 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,047.50 exceeds tolerance of $830.00 plus 10% or $913.00. $134.50 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $1,047.50 exceeds tolerance of $830.00 plus 10% or $913.00. $134.50 over legal limit. Insufficient or no cure was provided to the borrower. | BUYER - GENERAL COMMENT (2026-03-09): docs uploaded<br> REVIEWER - GENERAL COMMENT (2026-03-10): SitusAMC received corrected PCCD, LOE, Copy of refund check and shipping label. However, FedEx tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br> BUYER - GENERAL COMMENT (2026-03-11): see attached tracking showing delivery expected 3/11<br> REVIEWER - CURED COMMENT (2026-03-11): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  |  |  | - A B |
| XXXX | XXXX | 37309 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR 6.13% + 1.5%, or 7.63000%. Compliant Higher Priced Loan.<br> [2] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - XXXXXXXXXXX: TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (FinXX/XX/XXXX026)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $247.20 exceeds tolerance of $230.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  | BUYER - GENERAL COMMENT (2026-03-02): Please accept as is<br> REVIEWER - WAIVED COMMENT (2026-03-04): Client elects to waive as is.<br> BUYER - GENERAL COMMENT (2026-02-27): see attached docs received<br> REVIEWER - CURED COMMENT (2026-03-02): SitusAMC received Letter of explanation and Corrected Closing disclosure.<br> REVIEWER - CURED COMMENT (2026-02-20): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - XXXXXXXXXXX: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 93173 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Exempt from ATR | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 7.93 is less than Guideline PITIA months reserves of 8.00. | Calculated PITIA months reserves of 7.93 is less than Guideline PITIA months reserves of 8.00. Provide additional asset to meet PITIA Reserves | BUYER - GENERAL COMMENT (2026-03-05): docs uploaded<br> REVIEWER - GENERAL COMMENT (2026-03-09): We have considered all the accounts reported on UW worksheet, however still we have asset shortage. Please provide the additional asset to cover the reserve requirement of 8 months. Exception Remains.<br> BUYER - GENERAL COMMENT (2026-03-17): docs uploaded<br> BUYER - GENERAL COMMENT (2026-03-18): please see attached exception approval for reserves<br> REVIEWER - WAIVED COMMENT (2026-03-19): Post close lender exception provided. | 1 |  |  |  | 2 | [2] Federal Compliance - CDFI Bank Originated Loan submitted as Non Exempt: Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Federal Compliance - CDFI Bank Originated Loan submitted as Non Exempt: Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | BUYER - GENERAL COMMENT (2026-02-26): docs uploaded<br> REVIEWER - GENERAL COMMENT (2026-03-02): No new documentation provided. Please accept this level 2 exception as is.<br> BUYER - OPEN - UNABLE TO CLEAR COMMENT (2026-03-02): accept as is |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 28811 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $550.00 exceeds tolerance of $460.00 plus 10% or $506.00. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (2026-02-20): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 30421 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 69333 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 57557 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception granted for 12 NSF occurrences. | REVIEWER - WAIVED COMMENT (2026-02-25): Lender exception in file. | 1 |  |  |  | 1 |  |  |  |  | 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. |  | - B A |
| XXXX | XXXX | 33463 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX026) |  | BUYER - OPEN - UNABLE TO CLEAR COMMENT (2026-03-16): accept as is- clerical update to loan number only | Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 86156 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 60125 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 60083 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $550.00. $50.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: The COC states appraisal fee increased due to invoice reflecting a higher fee which is not a valid COC in itself. A valid reason needs to be provided as to why the fee increased. | BUYER - GENERAL COMMENT (2026-03-06): PCCD<br> REVIEWER - GENERAL COMMENT (2026-03-09): SitusAMC received PCCD. Missing LOE, copy of refund check and proof of mailing.<br> BUYER - GENERAL COMMENT (2026-03-10): LOE, copy of refund check and proof of mailing.<br> REVIEWER - CURED COMMENT (2026-03-10): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 51217 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $295.00 exceeds tolerance of $86.00 plus 10% or $94.60. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | BUYER - GENERAL COMMENT (2026-03-12): H-9<br> REVIEWER - GENERAL COMMENT (2026-03-16): Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> BUYER - GENERAL COMMENT (2026-03-19): LOE<br> BUYER - GENERAL COMMENT (2026-03-19): H9 form already provided<br> REVIEWER - CURED COMMENT (2026-03-23): Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form were provided.<br> REVIEWER - CURED COMMENT (2026-02-24): Sufficient Cure Provided At Closing | Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - A B |
| XXXX | XXXX | 11535 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 66248 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 38153 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. (7588) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. | BUYER - GENERAL COMMENT (2026-03-03): COC<br> REVIEWER - GENERAL COMMENT (2026-03-05): SitusAMC received COC datedX/XXwhich is already in file but the reason on COC is not sufficient as to why the Attorney review fee was added. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required.<br> Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br> BUYER - GENERAL COMMENT (2026-03-11): coc<br> REVIEWER - GENERAL COMMENT (2026-03-13): SitusAMC received COC stating the fee added after settlement agent confirms. However, the reason provided on COC is not sufficient as to what change circumstance was received that was unknown at the time of initial quote. The loan is originated in TX so the fee should be disclosed initially. However, if it is not please provide additional supporting information as to what new information has received that resulted in requirement of Attorney Review fee.<br> BUYER - GENERAL COMMENT (2026-03-18): COC 2/11<br> REVIEWER - GENERAL COMMENT (2026-03-20): SitusAMC received COC, however, the reason provided on COC is not sufficient as to what change circumstance was received that was unknown at the time of initial quote. Please provide additional sufficient information as to what new information has received that resulted in requirement of Attorney Review fee.<br> BUYER - GENERAL COMMENT (2026-03-24): "loe" "FINAL CD" "refund check"<br> REVIEWER - GENERAL COMMENT (2026-03-25): Situsamc Received LOE, copy of refund check and CD dated XX/XX; however, proof of Mailing is missing. Also, CD is dated XX/XX is same date as Final CD. Provide Proof of Mailing and PCCD dated after closing date.<br> BUYER - GENERAL COMMENT (2026-03-30): tracking<br> REVIEWER - GENERAL COMMENT (2026-03-31): Situsamc Received Proof of Mailing, Copy of check and LOE; however, provided CD is dated same as Final CD. Provide PCCD dated after closing dateXX/XX/XXXX.<br> BUYER - GENERAL COMMENT (2026-03-31): PCCD<br> REVIEWER - CURED COMMENT (2026-03-31): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 26970 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $70.00 exceeds tolerance of $35.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (2026-02-24): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 66934 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $70.00 exceeds tolerance of $35.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $70.00 exceeds tolerance of $35.00. Sufficient or excess cure was provided to the borrower at Closing. | REVIEWER - CURED COMMENT (2026-02-25): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 44976 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 48403 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 19333 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception approved for Single member LLC that does not have an EIN # is approved contingent on: 1. Officer's Cert in lieu of Operating Agreement must be provided and confirm the borrower is the sole member of the entity, and 2. Letter from borrower must be provided confirming the entity does not have any employees or any excise tax liabilities that would require filing of any excise tax forms with the IRS. | REVIEWER - WAIVED COMMENT (2026-02-27): Lender exception in file. | 1 |  |  |  | 1 |  |  |  |  | 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 guideline required amount by the equivalent of 4 months PITIA or more.<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%.<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. |  | - B A |
| XXXX | XXXX | 53192 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 80004 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 91211 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 59087 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 30043 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 58342 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) |  | REVIEWER - CURED COMMENT (2026-02-26): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 28167 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 77129 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 57936 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 85632 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,350.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7507) |  | REVIEWER - CURED COMMENT (2026-03-13): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 99892 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 23505 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 97495 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 96032 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 18634 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 83953 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception for C08 EAD category is approved contingent on Max 80% LTV only is allowed. A 0.25 exception pricing hit applies in addition to standard LLPAs associated with the loan. | REVIEWER - WAIVED COMMENT (2026-03-05): Lender exception in file. | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 58506 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 81163 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 95170 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 34511 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $272.23 exceeds tolerance of $270.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $272.23 exceeds tolerance of $270.00. Sufficient or excess cure was provided to the borrower at Closing. | REVIEWER - CURED COMMENT (2026-03-04): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 70688 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  | BUYER - GENERAL COMMENT (2026-03-12): doc uploaded<br> REVIEWER - GENERAL COMMENT (2026-03-16): Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> BUYER - GENERAL COMMENT (2026-03-16): see attached LOX, re-opened NORTC document signed and brw acknowledgement of receipt<br> REVIEWER - CURED COMMENT (2026-03-18): Documentation provided; exception cured. | Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - A B |
| XXXX | XXXX | 17187 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $97.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75106) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $97.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | REVIEWER - CURED COMMENT (2026-03-05): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 26290 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX026) | Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. Reason not provided. | BUYER - GENERAL COMMENT (2026-03-13): There is not escrows - Flood is included in Master Policy<br> REVIEWER - GENERAL COMMENT (2026-03-17): Final Closing Disclosure did not designate a reason on Page 4 " Escrow Account - Will Not Have an Escrow Account Because" - reason was mssing and not marked as "declined" or "lender does not offer". Letter of Explanation and Corrected CD required to cure.<br> BUYER - GENERAL COMMENT (2026-03-18): PCCD<br> REVIEWER - CURED COMMENT (2026-03-19): Situsamc Received Letter of Explanation & Corrected Closing Disclosure. | Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 16677 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 66634 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 21290 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM (APOR) | 2 | 2 | [2] Miscellaneous - Credit Exception: | Missing 12 month rental history for current and prior primary. | BUYER - GENERAL COMMENT (2025-10-22): rental payments- disregard first upload- it is for another file<br> BUYER - GENERAL COMMENT (2025-10-22): rental payments<br> REVIEWER - GENERAL COMMENT (2025-10-24): We do not have the leases or a VOR from the private landlord which is required per guidelines. Also, LOE provided states paid some months in cash. A lender exception would be required for this item to clear with documentation provided.<br> BUYER - GENERAL COMMENT (2025-11-06): see attached leases for both properties.<br> REVIEWER - GENERAL COMMENT (2025-11-10): Missing 12 months verification of rent, provide lender exception for months paid in cash.<br> BUYER - GENERAL COMMENT (2025-11-11): exception<br> REVIEWER - WAIVED COMMENT (2025-11-13): Post close lender exception provided. | 1 |  |  |  | 1 |  |  |  |  | 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. |  | - B A |
| XXXX | XXXX | 17481 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 42870 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception approved for borrower living with family and paying mortgage directly instead of rent. | REVIEWER - WAIVED COMMENT (2025-12-01): The client elects to waive. | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $289.40 exceeds tolerance of $225.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (2025-11-26): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | - B A |
| XXXX | XXXX | 62282 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 78715 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $9.60 exceeds tolerance of $0.00. $9.60 over legal limit. Insufficient or no cure was provided to the borrower. (75197) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Title - Recording Service Fee was last disclosed as $0.00 on LE but disclosed as $9.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | BUYER - GENERAL COMMENT (2025-12-04): cure docs<br> REVIEWER - GENERAL COMMENT (2025-12-05): SitusAMC received Post CD,LOX,Copy of refund check and proof of mailing .FedEx tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br> BUYER - GENERAL COMMENT (2025-12-07): shows scheduled to delivery monday- please clear<br> REVIEWER - CURED COMMENT (2025-12-08): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 28175 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $4,760.00 exceeds tolerance of $3,366.00 plus 10% or $3,702.60. $1,057.40 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $4,760.00 exceeds tolerance of $3,366.00 plus 10% or $3,702.60. $1,057.40 over legal limit. No valid changed circumstance was provided. No cure was provided to the Borrower. | SELLER - GENERAL COMMENT (2026-03-03):XX/XX/XXXX LOX, PCCD, Copy of Refund Check & USPS Proof of Mailing uploaded to Clarity to cure exception.<br> REVIEWER - GENERAL COMMENT (2026-03-05): SitusAMC received corrected PCCD, LOE, Copy of refund check. However, Proof of mailing with tracking number to borrower was not located in trailing documents. Proof of mailing is required to borrower to complete remediation.<br> SELLER - GENERAL COMMENT (2026-03-09):XX/XX/XXXX Rebuttal - We have had several tolerance cures per missing SSPL - this has been the procedure put in place by management and all of the exceptions have cured with LOX, PCCD, Copy of Refund Check & USPS Proof of Mailing. These are all being mailed USPS Standard mail, no tracking. Exceptions regarding missing SSPL date back to early February and have been cured.<br> REVIEWER - CURED COMMENT (2026-03-10): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check. |  |  |  | - A B |
| XXXX | XXXX | 49056 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 93887 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,534.25 exceeds tolerance of $1,123.00 plus 10% or $1,235.30. $1,298.95 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $2,534.25 exceeds tolerance of $1,123.00 plus 10% or $1,235.30. $1,298.95 over legal limit. No valid changed circumstance was provided. No cure was provided to the Borrower. | SELLER - GENERAL COMMENT (2026-03-04):XX/XX/XXXX LOX, PCCD, Copy of Refund Check & USPS Proof of Mailing uploaded to Clarity to cure exception.<br> REVIEWER - CURED COMMENT (2026-03-05): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. |  |  |  | - A B |
| XXXX | XXXX | 97829 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $5,157.08 exceeds tolerance of $3,748.00 plus 10% or $4,122.80. $1,034.28 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: No cure nor COC provided. | SELLER - GENERAL COMMENT (2026-03-03):XX/XX/XXXX LOX, PCCD, Copy of Refund Check & USPS Proof of Mailing uploaded to Clarity to cure exception.<br> REVIEWER - GENERAL COMMENT (2026-03-05): SitusAMC received PCCD, LOE and proof of refund check. However, no proof of mailing provided. Please provide USPS tracking details to re-evaluate the exception.<br> SELLER - GENERAL COMMENT (2026-03-09):XX/XX/XXXX Rebuttal - We have had several tolerance cures per missing SSPL - this has been the procedure put in place by management and all of the exceptions have cured with LOX, PCCD, Copy of Refund Check & USPS Proof of Mailing. These are all being mailed USPS Standard mail, no tracking. Exceptions regarding missing SSPL date back to early February and have been cured.<br> REVIEWER - GENERAL COMMENT (2026-03-10): SItusAMC received Zip code lookup. However, we are unable to verify whether the borrower received copy of refund check. Kindly provide borrower's confirmation for the same in order to clear the exception.<br> SELLER - GENERAL COMMENT (2026-03-10):XX/XX/XXXX This has been escalated internally - the process has been the same for all of the loans with the same SSPL tolerance issue - all other exceptions have been cured since early February. There is no tracking - these are all being sent to the borrower via USPS Standard delivery - copy of stamped envelope provided onXX/XX/XXXX Zip Code lookup was never provided - not sure what that statement is regarding.<br> REVIEWER - GENERAL COMMENT (2026-03-10): To cure a tolerance exception proof of mailing is required. In most cases when the U.S. Postal Service is used, we will consider a copy of the stamped envelope with the postal stamp over the stamp as proof of mailing. In the event this is not possible, we can accept a copy of a mailing log that clearly indicates when and where an item was mailed. In the preceding examples we would consider the mailing as received by the borrower three business days later. Certified mail would require a copy of the certified mail label. In this case, we have a copy of the stamped envelope with no postal stamp. In this case we would ask for a copy of the mailing log or a copy of front and back of the cancelled/processed check to complete the mailing part of the cure.<br> SELLER - GENERAL COMMENT (2026-03-31):XX/XX/XXXX Uploaded PDF per information from XXXXXXXXXXX - showing evidence refund check was cashed by borrower & cleared via bank account onXX/XX/XXXX Please review and clear.<br> REVIEWER - CURED COMMENT (2026-04-01): SitusAMC received PCCD, LOE, copy of refund check & proof of mailing. |  |  |  | - A B |
| XXXX | XXXX | 55520 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception approved for 4 months of reserves. | REVIEWER - WAIVED COMMENT (2026-02-24): The Client elects to waive | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,598.47 exceeds tolerance of $2,469.00 plus 10% or $2,715.90. $882.57 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: No Cure nor COC provided. Missing Settlement service providers | SELLER - GENERAL COMMENT (2026-03-06): This tolerance cure was self identified and previously refunded to the borrower. Please see attached copy of LOX, PCCD, refund check and USPS mailing to borrower.<br> REVIEWER - GENERAL COMMENT (2026-03-09): SitusAMC received PCCD, LOE and copy of refund check. Missing proof of mailing. Please provide proof of mailing to cure the exception.<br> SELLER - GENERAL COMMENT (2026-03-10): Evidence of USPS mailing was included with the LOX, PCCD and refund check uploaded on X/XX. Please see page 939 in "Trailing Other" in Clarity loan file.<br> REVIEWER - CURED COMMENT (2026-03-11): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 39726 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 99191 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 50386 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 41043 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $7,664.50 exceeds tolerance of $4,638.00 plus 10% or $5,101.80. $2,562.70 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Cure nor valid COC provided. SSPL list was not provided. | SELLER - GENERAL COMMENT (2026-03-17): This tolerance cure of $2003.25 was self identified and previously refunded to the borrower. Please see attached copy of LOX, PCCD, refund check and USPS mailing to borrower. Please note the survey was an optional service and as such is not subject to tolerance. This was corrected on the PCCD and shows in Section H as "optional".<br> REVIEWER - GENERAL COMMENT (2026-03-18): SitusAMC received PCCD, LOE and copy of refund check. Missing proof of mailing. Please provide USPS tracking details to cure the exception.<br> SELLER - GENERAL COMMENT (2026-03-27): Please see attached copy of reissued LOX, PCCD, refund check and UPS trackable shipping.<br> REVIEWER - CURED COMMENT (2026-03-29): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. |  |  |  | - A B |
| XXXX | XXXX | 50776 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 36500 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 90795 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 59502 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 33227 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $300.00 exceeds tolerance of $0.00. $300.00 over legal limit. Insufficient or no cure was provided to the borrower. (7588) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: COC states attorney review fee added due to closing in an LLC however loan did not close in an LLC. | SELLER - GENERAL COMMENT (2026-03-24): Attorney review fee refunded to the borrower. Please see attached copy of LOX, PCCD, refund check and UPS mailing to borrower.<br> REVIEWER - CURED COMMENT (2026-03-25): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 71337 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 21828 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 5.09 is less than Guideline PITIA months reserves of 6.00. | Client exception in file | REVIEWER - WAIVED COMMENT (2026-03-02): Client elects to waive with verified compensation factors | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,298.60 exceeds tolerance of $1,354.00 plus 10% or $1,489.40. $809.20 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Cure nor valid COC provided | SELLER - GENERAL COMMENT (2026-03-04):XX/XX/XXXX LOX, PCCD, Copy of Refund Check & USPS Proof of Mailing uploaded to Clarity to cure exception.<br> REVIEWER - CURED COMMENT (2026-03-06): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 99667 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Minnesota Tangible Net Benefit Disclosure Signed by Borrower: Minnesota Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not signed by the Borrower prior to closing.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  | REVIEWER - WAIVED COMMENT (2026-04-06): The client elects to waive.<br> SELLER - GENERAL COMMENT (2026-03-25): Please see attached LOX to borrower and signed H8.<br> REVIEWER - CURED COMMENT (2026-03-26): Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form were provided. | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - A B |
| XXXX | XXXX | 50482 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 25470 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 19830 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 83285 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 79054 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 41154 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 11667 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,896.45 exceeds tolerance of $2,278.00 plus 10% or $2,505.80. $390.65 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,596.45 exceeds tolerance of $2,278.00 plus 10% or $2,505.80. Sufficient or excess cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $2,896.45 exceeds tolerance of $2,278.00 plus 10% or $2,505.80. $390.65 over legal limit. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: Sufficient cure provided at closing | SELLER - GENERAL COMMENT (2026-03-24): 3/24 - Uploaded LOX, PCCD, Copy of Refund Check in the amount of $91.20 & USPS Proof of Mailing. Evidence of receipt to the borrower will be uploaded once received. The correct tolerance cure is $91.20, the Survey Fee $300 was disclosed correctly on the Initial LE in Section H - it is not a title fee & not subject to 10% tolerance. The Survey fee was disclosed in Section C on the Executed Final CD in error & moved to Section H on the PCCD.<br> REVIEWER - GENERAL COMMENT (2026-03-25): SitusAMC received Post CD,LOX,Copy of refund check and proof of mailing. However, we would require proof of mailing in order to cure the exception. Also, we are unable to determine from the file whether the lender or title company required the survey. If the lender required, the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.<br> SELLER - GENERAL COMMENT (2026-03-26):XX/XX/XXXX Borrower contacted and advised original package was thrown in the trash. Uploaded package re-issued with LOX, PCCD, Copy of Refund Check # XXXX to replace Ck # XXXX & UPS Shipping Label. Evidence of receipt to be uploaded once package delivered.<br> REVIEWER - CURED COMMENT (2026-03-27): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br> REVIEWER - CURED COMMENT (2026-03-27): Sufficient Cure Provided within 60 Days of Closing |  |  |  | - A B |
| XXXX | XXXX | 48251 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 17423 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 46335 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 68642 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender requested Exception for condo with budgeted reserves of 6.3% with < 50% reserve balance. Approval in file. | REVIEWER - WAIVED COMMENT (2026-03-09): Lender exception in file. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 79624 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 98588 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,097.24 exceeds tolerance of $2,439.00 plus 10% or $2,682.90. $414.34 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: No cure nor COC provided | SELLER - GENERAL COMMENT (2026-03-25):XX/XX/XXXX Uploaded LOX, PCCD, Copy of Refund Check, UPS Shipping Label & UPS Proof of Delivery. Please review and clear.<br> REVIEWER - CURED COMMENT (2026-03-26): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  |  |  | - A B |
| XXXX | XXXX | 62495 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 87033 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 79241 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $5,307.87 exceeds tolerance of $3,278.00 plus 10% or $3,605.80. $1,702.07 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $5,307.87 exceeds tolerance of $3,278.00 plus 10% or $3,605.80. Sufficient or excess cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $5,307.87 exceeds tolerance of $3,278.00 plus 10% or $3,605.80. $1,702.07 over legal limit. INo valid changed circumstance was provided. No cure was provided to the Borrower. | SELLER - GENERAL COMMENT (2026-03-26):XX/XX/XXXX Uploaded LOX, PCCD, Copy of Refund Check, USPS Standard Mailing, & PDF per information from XXXXXXXXXXX - showing evidence refund check was cashed by borrower & cleared via bank account onXX/XX/XXXX Please review and clear.<br> REVIEWER - CURED COMMENT (2026-03-27): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br> REVIEWER - CURED COMMENT (2026-03-27): Sufficient Cure Provided within 60 Days of Closing |  |  |  | - A B |
| XXXX | XXXX | 18139 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 47877 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender requested exception for 5 NSF's in 12 months with 2 in the most recent 3 months. Approval in file. | REVIEWER - WAIVED COMMENT (2026-03-13): Lender exception in file. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<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%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. |  | - B A |
| XXXX | XXXX | 61008 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $70.00 exceeds tolerance of $35.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: The credit report fee was disclosed as $35.00 on the LE, the final CD shows the fee as $70.00 There was a lender credit to cover the cost to cure | REVIEWER - CURED COMMENT (2026-01-15): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 70175 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $X,XXX,XXX is under disclosed by $40.00 compared to the calculated total of payments of $X,XXX,XXX which exceeds the $35.00 threshold. (FinXX/XX/XXXX026)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $205.00 exceeds tolerance of $165.00. Sufficient or excess cure was provided to the borrower. (7505) | Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Total of Payments was updated to $X,XXX,XXXon Closing Disclosure issued on XX/XX/XXXX. | BUYER - GENERAL COMMENT (2026-02-12): client states $40 cure on Cd datedX/XX<br> REVIEWER - GENERAL COMMENT (2026-02-13): TOP calculation was underdisclosed $40 on the Final CD. Corrected CD reflects increased fees in Section D which underdisclosed the Final CD by that amount and cure is due. Corrected CD, LOE to borrrower, copy of cure refund of $40 for total underdisclosure, proof of mailing and proof of reopening rescission to all consumers, as this is a material disclosure on a rescindable transaction.<br> BUYER - GENERAL COMMENT (2026-02-25): see attached final settlement statement reflecting $40 credit to borrower<br> REVIEWER - GENERAL COMMENT (2026-02-26): Please provide LOE sent to borrower forX/XX CD.<br> BUYER - GENERAL COMMENT (2026-02-27): see attached LOE<br> REVIEWER - GENERAL COMMENT (2026-03-02): SitusAMC received LOE. Missing the proof of reopening of rescission to all consumers to finalize, as previously noted, this was a post close cure and not at closing cure, thus the reopening of rescission is required to finalize.<br> BUYER - GENERAL COMMENT (2026-03-04): see attached PCCD. recission still pending.<br> REVIEWER - GENERAL COMMENT (2026-03-04): The tolerance issue was cured after closing and before TPR review, However, TOP was also affected by the increase in the appraisal fee. This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery.<br> BUYER - GENERAL COMMENT (2026-03-20): RTC<br> BUYER - GENERAL COMMENT (2026-03-20): LOE<br> REVIEWER - CURED COMMENT (2026-03-23): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br> REVIEWER - CURED COMMENT (2026-01-27): Sufficient Cure Provided within 60 Days of Closing | Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 82241 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 32417 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Second Home | Refinance Limited Cash-out GSE | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 74591 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender requested exception for budgeted condo reserves of 7% with 29.48% balance. Approval in file. | REVIEWER - WAIVED COMMENT (2026-03-11): The client elects to waive. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | - B A |
| XXXX | XXXX | 30535 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Exception requested for condo with 1.6% budget reserves with 15% reserve fund balance. | REVIEWER - WAIVED COMMENT (2026-03-11): The client elects to waive. | 1 |  |  |  | 1 |  |  |  |  | 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 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%.<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. |  | - B A |
| XXXX | XXXX | 14487 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 21513 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 28202 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $109.00 exceeds tolerance of $86.00 plus 10% or $94.60. $14.40 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,050.00 exceeds tolerance of $895.00. $155.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $4,637.50 exceeds tolerance of $4,541.00. $96.50 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $109.00 exceeds tolerance of $86.00 plus 10% or $94.60. $14.40 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,050.00 exceeds tolerance of $895.00. $155.00 over legal limit. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $4,637.50 exceeds tolerance of $4,541.00. $96.50 over legal limit. Insufficient or no cure was provided to the borrower. | BUYER - GENERAL COMMENT (2026-03-16): docs uploaded<br> REVIEWER - GENERAL COMMENT (2026-03-17): SitusAMC received CD dated XX/XXand XX/XX, however no COC provided for increase of fee on CD dated XX/XX. A valid COC with sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br> BUYER - GENERAL COMMENT (2026-03-26): see 36037427<br> REVIEWER - GENERAL COMMENT (2026-03-27): SitusAMC received Post CD, LOX, refund check, and proof of mailing showing a cure of $201.10. The Final CD dated XX/XX/XXXX already reflects the same cure amount, while the total required cure is $265.90 for loan discount, Appraisal and Ten percent fee.<br> Please confirm if the $201.10 on the XX/XX/XXXX Post CD is an additional cure. If so, please provide a corrected Post CD reflecting a total cure of $402.20 under Section J, along with a revised LOX detailing which fees were cured.<br> REVIEWER - CURED COMMENT (2026-04-13): SitusAMC received PCCD, LOE, copy of refund check and proof of mailing.<br> BUYER - GENERAL COMMENT (2026-03-16): docs uploaded to 36037426<br> REVIEWER - GENERAL COMMENT (2026-03-17): SitusAMC received CD dated XX/XXand XX/XX, however no COC provided for increase of fee on CD dated XX/XX. A valid COC with sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br> BUYER - GENERAL COMMENT (2026-03-26): see 36037427<br> REVIEWER - GENERAL COMMENT (2026-03-27): SitusAMC received Post CD, LOX, refund check, and proof of mailing showing a cure of $201.10. The Final CD dated XX/XX/XXXX already reflects the same cure amount, while the total required cure is $265.90 for loan discount, Appraisal and Ten percent fee.<br> Please confirm if the $201.10 on the XX/XX/XXXX Post CD is an additional cure. If so, please provide a corrected Post CD reflecting a total cure of $402.20 under Section J, along with a revised LOX detailing which fees were cured.<br> REVIEWER - CURED COMMENT (2026-04-13): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br> BUYER - GENERAL COMMENT (2026-03-16): docs uploaded to 36037426<br> REVIEWER - GENERAL COMMENT (2026-03-17): SitusAMC received CD dated XX/XXand XX/XX, however no COC provided for increase of fee on CD dated XX/XX. A valid COC with sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br> BUYER - GENERAL COMMENT (2026-03-26): see attached cure docs<br> REVIEWER - GENERAL COMMENT (2026-03-27): SitusAMC received Post CD, LOX, refund check, and proof of mailing showing a cure of $201.10. The Final CD dated XX/XX/XXXX already reflects the same cure amount, while the total required cure is $265.90 for loan discount, Appraisal and Ten percent fee.<br> Please confirm if the $201.10 on the XX/XX/XXXX Post CD is an additional cure. If so, please provide a corrected Post CD reflecting a total cure of $402.20 under Section J, along with a revised LOX detailing which fees were cured.<br> BUYER - GENERAL COMMENT (2026-04-13): pccd<br> REVIEWER - CURED COMMENT (2026-04-14): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br> REVIEWER - GENERAL COMMENT (2026-04-14): Please provide copy of $64.80 refund check referenced in email to complete cure.<br> BUYER - GENERAL COMMENT (2026-04-14): settlement statement shows $201.10 paid to borrower and then the lender sent another $201.10 after closing on XX/XX- lender over cured- please clear<br> REVIEWER - CURED COMMENT (2026-04-14): SitusAMC received PCCD, LOE, Copy of refund check and proof of mailing. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 26025 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Exempt from ATR | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - CDFI Bank Originated Loan submitted as Non Exempt: Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Federal Compliance - CDFI Bank Originated Loan submitted as Non Exempt: Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | BUYER - GENERAL COMMENT (2026-03-13): Please accept as it<br> BUYER - OPEN - UNABLE TO CLEAR COMMENT (2026-03-14): accept as is |  |  |  | - A |
| XXXX | XXXX | 75910 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 60155 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 20483 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender requested exception for asset utilization funds not seasoned. Awarded in divorce. Approval in file. | REVIEWER - WAIVED COMMENT (2026-03-17): Client elects to waive with verified compensation factors | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $X,XXX,XXX is over disclosed by $432.95 compared to the calculated Amount Financed of $X,XXX,XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX026)<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $X,XXX,XXXis under disclosed by $432.95 compared to the calculated Finance Charge of $X,XXX,XXXhich exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX026)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $129.00 exceeds tolerance of $86.00 plus 10% or $94.60. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $13.00 exceeds tolerance of $12.00. Sufficient or excess cure was provided to the borrower at Closing. (7579)<br> [1] Federal Compliance - 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 $302.00 exceeds tolerance of $299.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Disclosed Amount Financed was $X,XXX,XXX. Calculated Amount Financed is $X,XXX,XXX. Variance of $432.95.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Disclosed Finance charge of $X,XXX,XXX. Calculated Finance charge of $X,XXX,XXX. Variance of -$432.95. | BUYER - GENERAL COMMENT (2026-03-17): PCCD<br> REVIEWER - GENERAL COMMENT (2026-03-18): Amount financed is over disclosed.<br> BUYER - GENERAL COMMENT (2026-03-18): Cure<br> BUYER - GENERAL COMMENT (2026-03-18): LOE / check<br> REVIEWER - GENERAL COMMENT (2026-03-19): SitusAMC received LOE & copy of cure refund. Missing copy of the Corrected CD (with post close issue date) and proof of mailing to finalize cure.<br> BUYER - GENERAL COMMENT (2026-03-20): see attached PCCD docs<br> REVIEWER - GENERAL COMMENT (2026-03-23): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. However, the FedEx tracking does not reflect that package has been picked up by carrier. Please provide proof when package picked up to finalize cure.<br> BUYER - GENERAL COMMENT (2026-03-25): see attached remaining docs to clear<br> REVIEWER - CURED COMMENT (2026-03-25): Cure docs provided<br> BUYER - GENERAL COMMENT (2026-03-17): PCCD<br> REVIEWER - GENERAL COMMENT (2026-03-18): Finance charge is under disclosed.<br> BUYER - GENERAL COMMENT (2026-03-18): LOEE/ Check<br> REVIEWER - GENERAL COMMENT (2026-03-19): SitusAMC received LOE & copy of cure refund. Missing copy of the Corrected CD (with post close issue date) and proof of mailing to finalize cure.<br> BUYER - GENERAL COMMENT (2026-03-20): see 36073676<br> REVIEWER - GENERAL COMMENT (2026-03-23): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. However, the FedEx tracking does not reflect that package has been picked up by carrier. Please provide proof when package picked up to finalize cure.<br> BUYER - GENERAL COMMENT (2026-03-25): see 36073676 to clear<br> REVIEWER - CURED COMMENT (2026-03-25): Cure docs provided<br> REVIEWER - CURED COMMENT (2026-03-16): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2026-03-16): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2026-03-16): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | 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. |  | - B A |
| XXXX | XXXX | 78207 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Contact Information - Broker: TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (FinXX/XX/XXXX026) | Federal Compliance - TRID Final Closing Disclosure Contact Information - Broker: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the required Broker Contact Information. | BUYER - GENERAL COMMENT (2026-04-22): docs uploaded<br> REVIEWER - GENERAL COMMENT (2026-04-23): SitusAMC received PCCD. Missing LOE to borrower.<br> BUYER - GENERAL COMMENT (2026-04-24): LOE<br> REVIEWER - CURED COMMENT (2026-04-27): Situsamc Received Letter of Explanation & Corrected Closing Disclosure. | Federal Compliance - TRID Final Closing Disclosure Contact Information - Broker: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 30925 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2 | 2 | [2] Miscellaneous - Credit Exception: | Per the guidelines, for properties owned greater than 6 months but less than 12 months, LTV/CLTV is limited to the lower of the current appraised value or prior purchase price plus improvements. The appraisal states the subject is newly renovated, however missing documented improvements to determine value for LTV/CLTV. | BUYER - GENERAL COMMENT (2026-03-26): see attached exception<br> REVIEWER - GENERAL COMMENT (2026-03-30): Lender exception provided contingent on list of improvements which were not provided.<br> BUYER - GENERAL COMMENT (2026-04-10): Appraisal cleared with XXXCollateral team<br> REVIEWER - WAIVED COMMENT (2026-04-10): Lender exception in file. | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) |  | REVIEWER - CURED COMMENT (2026-03-16): Sufficient Cure Provided At Closing |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 16991 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 74483 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $369.94 exceeds tolerance of $245.00. Sufficient or excess cure was provided to the borrower at Closing. (7520)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75106)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $575.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (2026-03-24): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2026-03-24): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2026-03-24): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 21642 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 50574 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 71376 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 53533 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 60129 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $207.00 exceeds tolerance of $200.00. $7.00 over legal limit. Insufficient or no cure was provided to the borrower. (7571) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $207.00 exceeds tolerance of $200.00. $7.00 over legal limit. Insufficient or no cure was provided to the borrower. | BUYER - GENERAL COMMENT (2026-03-18): see attached<br> REVIEWER - GENERAL COMMENT (2026-03-20): SitusAMC received PCCD, however we also require LOE, proof of mailing & copy of refund check to cure the exception.<br> BUYER - GENERAL COMMENT (2026-03-24): "loe" "Check" "Label"<br> REVIEWER - CURED COMMENT (2026-03-25): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 86169 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.<br> [1] Federal Compliance - 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 $950.00 exceeds tolerance of $895.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | BUYER - GENERAL COMMENT (2026-03-25): See attached<br> REVIEWER - GENERAL COMMENT (2026-03-27): Provide the LOE to the borrower.<br> BUYER - GENERAL COMMENT (2026-03-30): LOE<br> REVIEWER - CURED COMMENT (2026-03-31): Documentation provided; exception cleared.<br> REVIEWER - CURED COMMENT (2026-03-18): Sufficient Cure Provided At Closing | Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - A B |
| XXXX | XXXX | 57359 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,043.28 exceeds tolerance of $-1,055.00. Sufficient or excess cure was provided to the borrower at Closing. (9300) |  | REVIEWER - CURED COMMENT (2026-04-17): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 82215 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 26496 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 94092 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 92063 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor Qualifying Residual income discrepancy.: Calculated investor qualifying disposable income of $X,XXXis less than AUS required disposable income of $2,000.00. | Calculated investor qualifying disposable income of $X,XXXis less than AUS required disposable income of $2,000.00. | BUYER - GENERAL COMMENT (2026-04-06): exception<br> REVIEWER - GENERAL COMMENT (2026-04-09): Per the exception, if rent differs from $X,XXXreflected on 1003, a re-review is required as little to no payment shook was considered in this lender exception. Verified rent in the amount of $X,XXX, exception must be re-reviewed.<br> BUYER - GENERAL COMMENT (2026-04-13): see attached updated exception<br> REVIEWER - WAIVED COMMENT (2026-04-15): The client elects to waive. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>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. |  | - B A |
| XXXX | XXXX | 10459 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 10033 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Approved lender exception for less than 24 months self-employment is approved with a 0.25 pricing hit in addition to standard LLPA's | REVIEWER - WAIVED COMMENT (2026-03-20): The client elects to waive. | 1 |  |  |  | 1 |  |  |  |  | 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. |  | - B A |
| XXXX | XXXX | 24536 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 41755 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 47783 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 57469 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $130.00 exceeds tolerance of $108.00 plus 10% or $118.80. $11.20 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $130.00 exceeds tolerance of $108.00 plus 10% or $118.80. $11.20 over legal limit. Insufficient or no cure was provided to the borrower. | BUYER - GENERAL COMMENT (2026-03-26): see attached<br> REVIEWER - GENERAL COMMENT (2026-03-27): SitusAMC received PCCD with cure amount. Missing LOE, copy of refund check and proof of mailing. Please provide LOE, copy of refund check and proof of mailing to cure the exception.<br> BUYER - GENERAL COMMENT (2026-04-02): please see attached pccd, lox, tracking, and check<br> REVIEWER - CURED COMMENT (2026-04-03): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check. |  |  |  | - A B |
| XXXX | XXXX | 96427 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 94494 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 49990 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 44222 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 74914 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 76836 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Home Improvement | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 50422 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 49377 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX.XX% exceeds Guideline total debt ratio of 50.00000%. | Per the UW worksheet, lender utilized 14 months of bank statements to calculate income vs 12 as well as a partial bank statement from XXX XXXX. At time of audit review, income was qualified using X/XXXX-X/XXXX. | BUYER - GENERAL COMMENT (2026-03-31): exception uploaded for DTI<br> REVIEWER - WAIVED COMMENT (2026-04-01): Post close lender exception provided. | 1 |  |  |  | 2 | [2] Federal Compliance - 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 XX.XX% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Per the UW worksheet, lender utilized 14 months of bank statements to calculate income vs 12 as well as a partial bank statement from XXX XXXX. At time of audit review, income was qualified using X/XXXX-X/XXXX. | BUYER - GENERAL COMMENT (2026-03-31): exception<br> REVIEWER - WAIVED COMMENT (2026-04-01): Post close lender exception provided. |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Miscellaneous<br>Miscellaneous |  | - B A |
| XXXX | XXXX | 64296 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Miscellaneous Compliance - Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD.: Date Issued: XX/XX/XXXX Title - Notary Fee | Miscellaneous Compliance - Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD.: CD's reflect no payee for the Notary Fee | BUYER - GENERAL COMMENT (2026-03-26): Cure<br> REVIEWER - GENERAL COMMENT (2026-03-30): Missing LOE to the borrower.<br> BUYER - GENERAL COMMENT (2026-03-30): loe<br> REVIEWER - GENERAL COMMENT (2026-03-31): Documentation provided<br> REVIEWER - CURED COMMENT (2026-03-31): Documentation provided |  |  |  | - A B |
| XXXX | XXXX | 56078 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 46598 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 45290 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 94157 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 22073 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 78870 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  | BUYER - GENERAL COMMENT (2026-04-09): docs uploaded<br> REVIEWER - GENERAL COMMENT (2026-04-13): Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> BUYER - GENERAL COMMENT (2026-04-15): See attached<br> BUYER - GENERAL COMMENT (2026-04-16): see attached<br> REVIEWER - CURED COMMENT (2026-04-17): Documentation provided; exception cleared. | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - A B |
| XXXX | XXXX | 52202 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $235.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) |  | REVIEWER - CURED COMMENT (2026-03-24): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 49220 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $760.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (2026-03-24): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 67736 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 87759 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $75.00 exceeds tolerance of $50.00 plus 10% or $55.00. $20.00 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $75.00 exceeds tolerance of $50.00 plus 10% or $55.00. $20.00 over legal limit. Insufficient or no cure was provided to the borrower. No valid changed circumstance was provided. No cure was provided to the Borrower. | BUYER - GENERAL COMMENT (2026-03-26): See final CD - page 2. cure done at closing.<br> BUYER - GENERAL COMMENT (2026-03-26): See cure at bottom of page 2 of final cd.<br> REVIEWER - GENERAL COMMENT (2026-03-27): SitusAMC received CD datedXX/XX/XXXX stating cure provided at closing. However, there is no lender cure inner column of section J.Therefore, we would require Final Settlement statement in order to verify the lender credit of $20 along with updated Post CD to reflect lender cure inner column of Section J with $20 along with detail LOX.<br> BUYER - GENERAL COMMENT (2026-04-01): see attached<br> BUYER - GENERAL COMMENT (2026-04-02): LOX received in addition to docs uploaded X/X<br> REVIEWER - GENERAL COMMENT (2026-04-03): SitusAMC received the LOX for email confirmation, the updated CD, and the closing statement. However, the corrected CD does not reflect a refund cure of $20 in the inner column of Section J. Additionally, the provided closing statement does not reflect any lender credit applied or issued to the borrower. Please provide an updated CD reflecting the $20 lender cure in the inner column of Section J along with the final settlement statement to verify that the lender credit was applied to the fee. Otherwise, provide a corrected CD, LOX, a copy of the refund check, and the mailing label to cure this exception.<br> BUYER - GENERAL COMMENT (2026-04-16): see attached<br> REVIEWER - CURED COMMENT (2026-04-17): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check. |  |  |  | - A B |
| XXXX | XXXX | 79315 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Higher Priced QM (APOR) | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 5.59 is less than Guideline PITIA months reserves of 6.00. | Insufficient assets verified to meet reserve requirements. | BUYER - GENERAL COMMENT (2026-03-27): See PCCD - proceeds listed in Clarity do not match. Please review - this should clear all conditions related to reserves.<br> REVIEWER - GENERAL COMMENT (2026-03-31): Proceeds in Clarity match the PCCD, exceptions remain.<br> BUYER - GENERAL COMMENT (2026-04-02): see attached approved exception to clear<br> REVIEWER - WAIVED COMMENT (2026-04-07): Post close lender exception provided. | 1 |  |  |  | 2 | [2] Document Error - Closing Disclosure: Dates<br> are not in chronological order.: Date Issued:<br> XX/XX/XXXX Issue Date: XX/XX/XXXX; Received<br> Date: XX/XX/XXXX; Signed Date: XX/XX/XXXX | Document Error - Closing Disclosure: Dates are<br> not in chronological order.: Closing Disclosure<br> has a Date Issued of XX/XX/XXXX but was<br> signed and dated by the Borrower on<br> XX/XX/XXXX. | BUYER - GENERAL COMMENT (2026-03-27): See docs provided<br> REVIEWER - GENERAL COMMENT (2026-03-31): No new documentation provided.<br> BUYER - GENERAL COMMENT (2026-03-31): See doc with signature date of X/XXXX<br> REVIEWER - GENERAL COMMENT (2026-04-02): This exception needs to be accepted as is as we have the doc in file that shows borrower signing onXX/XX/XXXXThis is an informational level 2 exception.<br> BUYER - GENERAL COMMENT (2026-04-02): approval received to accept as is<br> REVIEWER - WAIVED COMMENT (2026-04-06): Client elects to waive. |  | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00. |  | - B A |
| XXXX | XXXX | 39157 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 50283 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 82405 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 94194 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 75046 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 74774 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 67906 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 58839 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Certificate Fee. Fee Amount of $165.95 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (75175) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Tax Certificate Fee. Fee Amount of $165.95 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | REVIEWER - CURED COMMENT (2026-03-25): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 17461 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $317.50 exceeds tolerance of $214.00 plus 10% or $235.40. $82.10 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,125.00 exceeds tolerance of $3,575.00. $550.00 over legal limit. Insufficient or no cure was provided to the borrower. (8304)<br> [2] Federal Compliance - 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 $328.30 exceeds tolerance of $200.00. $128.30 over legal limit. Insufficient or no cure was provided to the borrower. (7520)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,400.00 exceeds tolerance of $750.00. $650.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $317.50 exceeds tolerance of $214.00 plus 10% or $235.40. $82.10 over legal limit. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,125.00 exceeds tolerance of $3,575.00. $550.00 over legal limit. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $328.30 exceeds tolerance of $200.00. $128.30 over legal limit. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,400.00 exceeds tolerance of $750.00. $650.00 over legal limit. Insufficient or no cure was provided to the borrower. | BUYER - GENERAL COMMENT (2026-04-08): see 073<br> REVIEWER - CURED COMMENT (2026-04-09): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br> BUYER - GENERAL COMMENT (2026-04-07): see attached<br> REVIEWER - CURED COMMENT (2026-04-09): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br> BUYER - GENERAL COMMENT (2026-04-08): see 073<br> REVIEWER - CURED COMMENT (2026-04-09): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br> BUYER - GENERAL COMMENT (2026-04-08): see 073<br> REVIEWER - CURED COMMENT (2026-04-09): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 61950 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 16231 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $365.23 exceeds tolerance of $350.00. Sufficient or excess cure was provided to the borrower at Closing. (7520)<br> [1] Federal Compliance - 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 $818.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (2026-03-26): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2026-03-26): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 20112 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 79325 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $276.75 exceeds tolerance of $247.00 plus 10% or $271.70. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (2026-03-26): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 93963 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Higher Priced QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 28708 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 36406 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 43782 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 81003 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 31017 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 84429 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 77925 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 88486 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $222.50 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (2026-03-30): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 56783 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 86445 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 12400 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Massachusetts HPML Threshold Test Compliant: Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of 7.51749% or Final Disclosure APR of 7.52200% is equal to or greater than the threshold of APOR 6.02% + 1.5%, or 7.52000% Compliant Higher Priced Loan. | State Compliance - Massachusetts HPML Threshold Test Compliant: APR on subject loan of 7.51749% or Final Disclosure APR of 7.52200% is equal to or greater than the threshold of APOR 6.02% + 1.5%, or 7.52000% Compliant Higher Priced Loan. | BUYER - GENERAL COMMENT (2026-04-03): BUSINESS VERIFICATION uploaded<br> REVIEWER - GENERAL COMMENT (2026-04-07): Please accept as is.<br> BUYER - OPEN - UNABLE TO CLEAR COMMENT (2026-04-07): accept as is |  |  |  | - A B |
| XXXX | XXXX | 26074 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7507) |  | REVIEWER - CURED COMMENT (2026-03-31): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 93221 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception to allow a 2 unit with ADU. Approval in file. | REVIEWER - WAIVED COMMENT (2026-04-03): The client elects to waive. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The 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%.<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. |  | - B A |
| XXXX | XXXX | 97552 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 14953 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender requested exception for 13 months employment in current business when a minimum of 18 months is required. Approval in file. | REVIEWER - WAIVED COMMENT (2026-04-03): The client elects to waive. | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $97.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75106) |  | REVIEWER - CURED COMMENT (2026-04-01): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 18354 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 28729 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7588) |  | REVIEWER - CURED COMMENT (2026-04-10): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 35744 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 93076 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 65798 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 18160 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 17848 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 85504 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 68775 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender requested exception for borrower has been self-employed less than 18 months. Approval in file. | REVIEWER - WAIVED COMMENT (2026-04-06): The client elects to waive. | 1 |  |  |  | 1 |  |  |  |  | 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. |  | - B A |
| XXXX | XXXX | 31245 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 20765 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 74369 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 29159 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 48148 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Home Improvement | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 33498 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  | BUYER - GENERAL COMMENT (2026-04-27): see attached<br> REVIEWER - GENERAL COMMENT (2026-04-27): The cure for this is a Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form.<br> BUYER - GENERAL COMMENT (2026-04-30): Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form.<br> BUYER - GENERAL COMMENT (2026-04-30): RTC<br> REVIEWER - GENERAL COMMENT (2026-04-30): Missing LOE to borrower.<br> BUYER - GENERAL COMMENT (2026-04-30): LOE<br> REVIEWER - CURED COMMENT (2026-04-30): Received Letter of Explanation, Proof of Delivery and re-executed RTC | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - A B |
| XXXX | XXXX | 69578 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 10994 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 55795 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $390.00 exceeds tolerance of $262.00 plus 10% or $288.20. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (2026-04-14): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 51234 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,824.15 exceeds tolerance of $3,450.00 plus 10% or $3,795.00. $29.15 over legal limit. Insufficient or no cure was provided to the borrower. (0)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,824.15 exceeds tolerance of $3,450.00 plus 10% or $3,795.00. Sufficient or excess cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Cure nor valid COC provided | SELLER - GENERAL COMMENT (2026-03-25):XX/XX/XXXX Uploaded LOX, PCCD, Copy of Refund Check & USPS Proof of Mailing. EVIDENCE OF RECEIPT TO THE BORROWER WIL LBE UPLOADED ONCE RECEIVED.<br> REVIEWER - GENERAL COMMENT (2026-03-26): SitusAMC received Post CD,LOX and Copy of refund check. However, we would require proof of mailing in order to cure the exception.<br> SELLER - GENERAL COMMENT (2026-04-03):XX/XX/XXXX Uploaded Copy of Refund Check & USPS Priority Shipping label with tracking. Refund check was re-issued due to original check never cashed & unable to provide evidence it was received by borrower. LOX & PCCD were uploadedXX/XX/XXXXSELLER - GENERAL COMMENT (2026-04-03):XX/XX/XXXX Uploaded Copy of Refund Check & USPS Priority Shipping label with tracking. Refund check was re-issued due to original check never cashed & unable to provide evidence it was received by borrower.<br> REVIEWER - CURED COMMENT (2026-04-06): Situasmc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br> REVIEWER - CURED COMMENT (2026-03-26): Sufficient Cure Provided within 60 Days of Closing |  |  |  | - A B |
| XXXX | XXXX | 55354 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2 | 2 | [2] Miscellaneous - Credit Exception: | 5 NSF's in 12 months, 4 within most recent 3 months, lender exception in file. | REVIEWER - WAIVED COMMENT (2026-03-09): Lender exception in file. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The 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%. |  | - B A |
| XXXX | XXXX | 46586 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 65119 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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. |  | - A |
| XXXX | XXXX | 27875 | XXXX XXXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |

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## Exhibit 99.6

![](situsamc_logo.jpg)

**Exception Grades**

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| **AMC Loan ID** | **Customer Loan ID** | **EDGAR Load ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | XXXX | 57201 |  | 33784125 |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed<br> Compliant | New York Subprime Loan: APR on subject loan ofX.XX% or Final Disclosure APR of X.XX% is in excess of allowable threshold of Prime Mortgage Market Rate 6.64000 + 1.75%, or 8.39000%. Compliant SubPrime Loan. |  |  |  |  | Buyer Comment (2025-04-30): SGCP<br> acknowledges this informational EV2 finding |  |  | XX/XX/XXXX 9:49:09 AM | 2 B |  | XX | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. B | Non QM | Non QM | No |
| XXXX | XXXX | 43043 |  | 33784142 |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Compliant | New York Subprime Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is in excess of allowable threshold of Prime Mortgage Market Rate 6.87000 + 1.75%, or 8.62000%. Compliant SubPrime Loan. | APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is in excess of allowable threshold of Prime Mortgage Market Rate 6.87000 + 1.75%, or 8.62000%. Compliant SubPrime Loan. |  |  |  | Buyer Comment (2025-05-15): SGCP acknowledges and waives this non-material EV2 finding: |  |  | XX/XX/XXXX 10:31:31 AM | 2 B |  | XX | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. B | Non QM | Non QM | No |
| XXXX | XXXX | 93093 |  | 33784289 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank 2014):<br> Borrower provided appraisal waiver less than<br> three (3) business days prior to consummation. | Verification appraisal was delivered to borrower 3<br> business days prior to closing was not provided. |  |  |  | Buyer Comment (2025-05-19): SGCP acknowledges and waives this non-material EV2 finding:<br>Reviewer Comment (2025-05-16): Exception remains, missing acknowledgement evidence that borrower was received copy of Appraisal within 3 business days prior to Closing. Provided Appraisal notice contains only Appraisal delivered on XX/XX/XXXX which is not within 3 business days prior to Closing.<br>Seller Comment (2025-05-13): Appraisal delivery<br> AIR.pdf (Unclassified) was referenced |  |  | XX/XX/XXXX 11:44:15 AM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | 72507 |  | 34215586 |  | 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. |  |  |  |  | Buyer Comment (2025-06-10): SGCP acknowledges this non-material ECOA ev2<br>Reviewer Comment (2025-06-03): Lender correspondence doc confirms delivery date XX/XX/XXXX, however doesn't show if borrower received appraisal 3 days prior to closing (closing date XX/XX/XXXX).<br>Seller Comment (2025-06-02): See attached showing Appraisal was delivered to borrower.<br> XXXXXXXX proof of Appraisal delivered XX.XX.XX.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-05-30): The appraisal waiver is located in the file however per ECOA Valuations Rule (Dodd-Frank 2014) the appraisal is required to be provided to borrower at or before closing. Documentation to confirm that the borrower received the appraisal at or before closing is not located in the file.<br>Seller Comment (2025-05-27): Please advise on these conditions we already submitted the appraisal waiver. Borrower waived rights to received 3 day prior to closing. not exactly sure what is being asked. |  |  | XX/XX/XXXX 1:54:33 PM | 2 B |  | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 72507 |  | 34215587 |  | 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. |  |  |  |  | Buyer Comment (2025-06-10): SGCP acknowledges this non-material ECOA ev2<br>Seller Comment (2025-06-10): I'm not sure what an EV2 conditions is. So this is just and FYI condition and not an actual Condition? Please clear if not an actual condition.<br>Reviewer Comment (2025-06-03): Exception is an EV2 for informational purposes only. Lender may, at their discretion, choose to waive this exception.<br>Reviewer Comment (2025-06-03): Exception is an EV2 for informational purposes only. Lender may, at their discretion, choose to waive this exception.<br>Seller Comment (2025-06-02): See attached showing Appraisal was delivered to borrower.<br> XXXXXXXX proof of Appraisal delivered XX.0XX.XX.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-05-30): The appraisal waiver is located in the file however per ECOA Valuations Rule (Dodd-Frank 2014) the appraisal is required to be provided to borrower at or before closing. Documentation to confirm that the borrower received the appraisal at or before closing is not located in the file.<br>Seller Comment (2025-05-27): Please advise on these conditions we already submitted the appraisal waiver. Borrower waived rights to received 3 day prior to closing. not exactly sure what is being asked. |  |  | XX/XX/XXXX 1:54:42 PM | 2 B |  | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 66622 |  | 34215598 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-01): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 1:34:40 PM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 87490 |  | 36440206 |  | 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 $129.00 exceeds tolerance of $86.00 plus 10% or $94.60. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-01-13): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 7:55:36 AM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 86971 |  | 36440227 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to allow primary rate/term refinance for borrower providing housing for a parent. Contingent on subject's documented completion of recent renovations since the time of purchase. Missing documented renovations completion. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The 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%.<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. | 33 months reserves<br>LTV is X.XX% below guideline max.<br>Fico is XX points above guideline minimum. | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-02-05): Lender exception in file.<br>Buyer Comment (2026-02-03): see attached docs rcvd |  |  | XX/XX/XXXX 1:09:28 PM | 2 B |  | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 33636 |  | 36440236 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $526.95 exceeds tolerance of $495.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-04): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 3:06:25 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 93430 |  | 36440256 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Given for Exception requested for use of both personal and business bank statements for co-borrower. B2 is owner of peticure XXXXXXXXXXXXXXX. | Borrower has been employed in the same<br> industry for more than 5 years.<br>Borrower has verified disposable income of at<br> least $2500.00.<br>Borrower has worked in the same position for<br> more than 3 years.<br>Borrowers made a down payment from their own<br> funds on this purchase transaction of at least 5%<br> and $5,000.00.<br>The representative FICO score exceeds the<br> guideline minimum by at least 40 points. | Fico is XX points above guideline minimum. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-02-12): Lender exception in file. |  |  | XX/XX/XXXX 5:34:02 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 42816 |  | 36440269 |  | 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 $440.00 exceeds tolerance of $390.00 plus 10% or $429.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-10): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 12:07:50 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 51025 |  | 36440276 |  | 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 $120.00 exceeds tolerance of $0.00. $120.00 over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. $120.00 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-03-16): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2026-03-12): see attached LOX, delivery, check and PCCD |  | XX/XX/XXXX 3:14:24 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the<br> Following: Letter of Explanation, Proof of<br> Delivery, Copy of Refund Check, and<br> Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 98200 |  | 36440281 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved Lender exception in file for New Construction project where at least 50% of the total units in both the project and the subject phase are complete and sold under contract is approved with a 0.25 pricing hit in addition to standard LLPA's associated with the loan. | 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. | $XXK residual income.<br>DTI isXX% below guideline max.<br>Fico is XXX points above guideline minimum. | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-02-17): Lender exception in file.<br>Buyer Comment (2026-02-13): If there is an exception in the file, please review and clear. |  |  | XX/XX/XXXX 11:32:22 AM | 2 B |  | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 81127 |  | 36440293 |  | 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 $293.20 exceeds tolerance of $260.00 plus 10% or $286.00. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $293.20 exceeds tolerance of $260.00 plus 10% or $286.00. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  | Reviewer Comment (2026-02-12): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 8:23:15 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 52007 |  | 36440310 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | Gift asset of $40,020.00 received after closing onX/X/XX |  |  |  | Reviewer Comment (2026-03-06): The client elects to waive.<br>Buyer Comment (2026-03-04): please confirm this should have cleared with the approved exception in file uploaded to attached exception 35806084<br>Reviewer Comment (2026-03-04): Regraded to EV2-B based on no letter indicating repayment of the gift is expected and with sufficient compensating factors to mitigate the risk.<br>Reviewer Comment (2026-02-25): The issue is the gift letter is dated after the Note date ofXX/XX/XXXXexception remains.<br>Buyer Comment (2026-02-23): loan funded onX/X, which is the same day the gift funds were received. The subject property is in an escrow state so the date of the signing is irrelevant, it's the funding date that is important. Attached is the disbursement CD, which reflects a XX/XX/XXXXisbursement date.<br>Buyer Comment (2026-02-23): see attached docs |  |  | XX/XX/XXXX 10:38:51 AM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 61955 |  | 36440319 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Using private investment assets for asset utilization, lender exception in file. | 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. | Fico is XXX points above guideline minimum. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-02-13): Lender exception in file. |  |  | XX/XX/XXXX 4:45:24 PM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 22221 |  | 36440325 |  | 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 $199.00 exceeds tolerance of $115.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-12): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 2:05:52 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 72296 |  | 36440357 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Rent free letter missing. Client exception in file for rent free letter unable to be obtained. | 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. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-13): Client elects to waive with verified compensation factors |  |  | XX/XX/XXXX 4:09:17 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 39882 |  | 36440361 |  | 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 $266.00 exceeds tolerance of $248.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-12): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 3:53:40 PM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 92148 |  | 36440367 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,629.05 exceeds tolerance of $2,627.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2026-03-05): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 6:44:16 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 43370 |  | 36440378 |  | 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 $94.00 exceeds tolerance of $35.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-13): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 8:57:57 AM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Home Improvement | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| XXXX | XXXX | 43370 |  | 36440379 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $299.00 exceeds tolerance of $210.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-13): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 8:57:57 AM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Home Improvement | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| XXXX | XXXX | 23647 |  | 36440398 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Less than 2 years self employment, lender exception in file. | 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. | $XK residual income<br>7 months reserves<br>DTI is XX% below guideline max.<br>Fico is XXX points above guideline minimum. | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-02-17): Lender exception in file. |  |  | XX/XX/XXXX 1:37:04 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 43428 |  | 36440415 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $165.08 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $165.08 exceeds tolerance of $0.00. $165.08 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-02-17): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 7:05:35 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 79953 |  | 36440432 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for investor concentration is approved with a 0.25 pricing hit in addition to standard LLPA's associated with the loan. | 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 guideline required amount by the equivalent of 4 months PITIA or more.<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. | $XXXK residual income<br>$22K reserves<br>DTI is XX% below guideline max.<br>Fico is XX points above guideline minimum. | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-02-19): Lender exception in file.<br>Buyer Comment (2026-02-17): exception was approved |  |  | XX/XX/XXXX 11:35:43 AM | 2 B |  | XX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | 46446 |  | 36440472 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file for kitchen cooktop only is approved with a 0.25 pricing hit in addition to standard LLPA's associated with the loan | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 19 months reserves<br>Fico is XXX points above guideline minimum. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-02-18): Lender exception in file. |  |  | XX/XX/XXXX 4:09:51 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 73971 |  | 36440479 |  | 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 $600.00 exceeds tolerance of $550.00. $50.00 over legal limit. Insufficient or no cure was provided to the borrower. | Cure nor valid COC provided. COC just indicates fees were updated without a reason. |  |  |  | Reviewer Comment (2026-03-04): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2026-03-03): See attached |  | XX/XX/XXXX 10:00:38 PM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 98281 |  | 36440509 |  | 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 $257.24 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-17): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 6:23:28 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| XXXX | XXXX | 19445 |  | 36440521 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception granted for condo completion status and fidelity coverage. | 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 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%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-19): Client elects to waive with verified compensation factors |  |  | XX/XX/XXXX 2:25:00 PM | 2 B |  | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 16531 |  | 36440527 |  | 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 XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. | Reason was not provided on page 4. |  |  |  | Reviewer Comment (2026-02-26): Situamc Received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2026-02-25): docs uploaded |  | XX/XX/XXXX 2:50:35 AM |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 17299 |  | 36440551 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Lender exception: If a borrower rents from a private landlord, the most recent 12 months' consecutive cancelled checks (front and back) along with a copy of the lease must be provided. VOR in file does not have Section 1 completed and borrower's pay history fromXX/XX/XXXXXX/XX/XXXX not provided. Borrower is currently renting for 5 months, and rent is paid in cash. Prior to that borrower owned XXXXXXXXXXXXXXXXXXX property free/clear but property has since been awarded to ex-wife. Borrower's business isXXXXXXXXXXXXXXXX. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-20): Client elects to waive with verified compensation factors |  |  | XX/XX/XXXX 10:08:45 AM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 17299 |  | 36440552 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | - ___ | CD payee is blank |  |  |  | Reviewer Comment (2026-03-02): Documentation provided, exception cured.<br>Buyer Comment (2026-02-26): docs uploaded |  | XX/XX/XXXX 11:34:08 AM |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 32797 |  | 36440568 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Client exception in file for Condo with non-incidental income >10% is approved contingent on the project meeting all NWC guidelines. | 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 guideline required amount by the equivalent of 4 months PITIA or more.<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. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-23): Client elects to waive with verified compensation factors |  |  | XX/XX/XXXX 1:12:40 PM | 2 B |  | XX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | 49896 |  | 36440593 |  | 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 $1,047.50 exceeds tolerance of $830.00 plus 10% or $913.00. $134.50 over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $1,047.50 exceeds tolerance of $830.00 plus 10% or $913.00. $134.50 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-03-11): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2026-03-11): see attached tracking showing delivery expectedX/XX<br>Reviewer Comment (2026-03-10): SitusAMC received corrected PCCD, LOE, Copy of refund check and shipping label. However, FedEx tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2026-03-09): docs uploaded |  | XX/XX/XXXX 11:33:58 PM |  | 2 B |  | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 37309 |  | 36440599 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR 6.13% + 1.5%, or 7.63000%. Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2026-03-04): Client elects to waive as is.<br>Buyer Comment (2026-03-02): Please accept as is |  |  | XX/XX/XXXX 2:17:42 PM | 2 B |  | XX | Primary | Purchase | No obvious cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| XXXX | XXXX | 37309 |  | 36440600 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - XXXXXXXXXXX | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. |  |  |  |  | Reviewer Comment (2026-03-02): SitusAMC received Letter of explanation and Corrected Closing disclosure.<br>Buyer Comment (2026-02-27): see attached docs received |  | XX/XX/XXXX 11:17:03 PM |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| XXXX | XXXX | 37309 |  | 36440603 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $247.20 exceeds tolerance of $230.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-20): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 3:37:59 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| XXXX | XXXX | 93173 |  | 36440615 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  | Buyer Comment (2026-03-02): accept as is<br>Reviewer Comment (2026-03-02): No new documentation provided. Please accept this level 2 exception as is.<br>Buyer Comment (2026-02-26): docs uploaded |  |  |  | 2 A |  | XX | Primary | Purchase | B A | Non QM | Exempt from ATR | No |
| XXXX | XXXX | 93173 |  | 36440619 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of 7.93 is less than Guideline PITIA months reserves of 8.00. Provide additional asset to meet PITIA Reserves | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DTI isXX% below guideline max.<br>Fico is XX points above guideline minimum. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-03-19): Post close lender exception provided.<br>Buyer Comment (2026-03-18): please see attached exception approval for reserves<br>Buyer Comment (2026-03-17): docs uploaded<br>Reviewer Comment (2026-03-09): We have considered all the accounts reported on UW worksheet, however still we have asset shortage. Please provide the additional asset to cover the reserve requirement of 8 months. Exception Remains.<br>Buyer Comment (2026-03-05): docs uploaded |  |  | XX/XX/XXXX 5:30:57 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Exempt from ATR | No |
| XXXX | XXXX | 28811 |  | 36440629 |  | 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 $550.00 exceeds tolerance of $460.00 plus 10% or $506.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-20): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 5:42:26 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 57557 |  | 36440656 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception granted for 12 NSF occurrences. | 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. | $XK residual income<br>44 months reserves | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-25): Lender exception in file. |  |  | XX/XX/XXXX 12:13:27 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 33463 |  | 36440673 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Buyer Comment (2026-03-16): accept as is- clerical update to loan number only |  |  |  | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 60083 |  | 36440702 |  | 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 $600.00 exceeds tolerance of $550.00. $50.00 over legal limit. Insufficient or no cure was provided to the borrower. | The COC states appraisal fee increased due to invoice reflecting a higher fee which is not a valid COC in itself. A valid reason needs to be provided as to why the fee increased. |  |  |  | Reviewer Comment (2026-03-10): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2026-03-10): LOE, copy of refund check and proof of mailing.<br>Reviewer Comment (2026-03-09): SitusAMC received PCCD. Missing LOE, copy of refund check and proof of mailing.<br>Buyer Comment (2026-03-06): PCCD |  | XX/XX/XXXX 11:51:47 PM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| XXXX | XXXX | 51217 |  | 36440708 |  | 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 $295.00 exceeds tolerance of $86.00 plus 10% or $94.60. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-24): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 10:44:50 AM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 51217 |  | 36440712 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  | Reviewer Comment (2026-03-23): Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form were provided.<br>Buyer Comment (2026-03-19): H9 form already provided<br>Buyer Comment (2026-03-19): LOE<br>Reviewer Comment (2026-03-16): Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br>Buyer Comment (2026-03-12): H-9 |  | XX/XX/XXXX 12:34:40 PM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Non QM | Non QM | No |
| XXXX | XXXX | 38153 |  | 36440750 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-03-31): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2026-03-31): PCCD<br>Reviewer Comment (2026-03-31): Situsamc Received Proof of Mailing, Copy of check and LOE; however, provided CD is dated same as Final CD. Provide PCCD dated after closing dateXX/XX/XXXX.<br>Buyer Comment (2026-03-30): tracking<br>Reviewer Comment (2026-03-25): Situsamc Received LOE, copy of refund check and CD dated XX/XX; however, proof of Mailing is missing. Also, CD is dated XX/XX is same date as Final CD. Provide Proof of Mailing and PCCD dated after closing date.<br>Buyer Comment (2026-03-24): "loe" "FINAL CD" "refund check"<br>Reviewer Comment (2026-03-20): SitusAMC received COC, however, the reason provided on COC is not sufficient as to what change circumstance was received that was unknown at the time of initial quote. Please provide additional sufficient information as to what new information has received that resulted in requirement of Attorney Review fee.<br>Buyer Comment (2026-03-18): COCX/XX<br>Reviewer Comment (2026-03-13): SitusAMC received COC stating the fee added after settlement agent confirms. However, the reason provided on COC is not sufficient as to what change circumstance was received that was unknown at the time of initial quote. The loan is originated in TX so the fee should be disclosed initially. However, if it is not please provide additional supporting information as to what new information has received that resulted in requirement of Attorney Review fee.<br>Buyer Comment (2026-03-11): coc<br>Reviewer Comment (2026-03-05): SitusAMC received COC datedX/XXwhich is already in file but the reason on COC is not sufficient as to why the Attorney review fee was added. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required.<br> Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Buyer Comment (2026-03-03): COC |  | XX/XX/XXXX 4:46:08 PM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 26970 |  | 36440767 |  | 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 $70.00 exceeds tolerance of $35.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-24): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 1:42:35 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 66934 |  | 36440782 |  | 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 $70.00 exceeds tolerance of $35.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $70.00 exceeds tolerance of $35.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-02-25): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 8:41:10 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 19333 |  | 36440806 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for Single member LLC that does not have an EIN # is approved contingent on: 1. Officer's Cert in lieu of Operating Agreement must be provided and confirm the borrower is the sole member of the entity, and 2. Letter from borrower must be provided confirming the entity does not have any employees or any excise tax liabilities that would require filing of any excise tax forms with the IRS. | 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 guideline required amount by the equivalent of 4 months PITIA or more.<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%.<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. | $XXK residual income<br>$42K reserves<br>LTV/CLTV is XX% below guideline max.<br>DTI is XX% below guideline max.<br>Fico isXXX points above guideline minimum. | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-02-27): Lender exception in file. |  |  | XX/XX/XXXX 4:17:35 PM | 2 B |  | XX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | 58342 |  | 36440857 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-26): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 11:18:10 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 85632 |  | 36440895 |  | 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 Second Appraisal Fee. Fee Amount of $1,350.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-13): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 12:23:33 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 83953 |  | 36440937 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for C08 EAD category is approved contingent on Max 80% LTV only is allowed. A 0.25 exception pricing hit applies in addition to standard LLPAs associated with the loan. | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The 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. | $XXK residual income.<br>DTI is XX% below guideline max.<br>Fico is XX points above guideline minimum. | Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-03-05): Lender exception in file. |  |  | XX/XX/XXXX 12:35:53 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 34511 |  | 36440977 |  | 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 $272.23 exceeds tolerance of $270.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $272.23 exceeds tolerance of $270.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-04): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 2:38:15 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 70688 |  | 36440996 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  | Reviewer Comment (2026-03-18): Documentation provided; exception cured.<br>Buyer Comment (2026-03-16): see attached LOX, re-opened NORTC document signed and brw acknowledgement of receipt<br>Reviewer Comment (2026-03-16): Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br>Buyer Comment (2026-03-12): doc uploaded |  | XX/XX/XXXX 10:38:36 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Non QM | Non QM | No |
| XXXX | XXXX | 17187 |  | 36441005 |  | 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 Collateral Desktop Analysis. Fee Amount of $97.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $97.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-05): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 4:24:07 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 26290 |  | 36441012 |  | 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 XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. | Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. Reason not provided. |  |  |  | Reviewer Comment (2026-03-19): Situsamc Received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2026-03-18): PCCD<br>Reviewer Comment (2026-03-17): Final Closing Disclosure did not designate a reason on Page 4 " Escrow Account - Will Not Have an Escrow Account Because" - reason was mssing and not marked as "declined" or "lender does not offer". Letter of Explanation and Corrected CD required to cure.<br>Buyer Comment (2026-03-13): There is not escrows - Flood is included in Master Policy |  | XX/XX/XXXX 11:23:39 PM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 21290 |  | 36441032 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing 12 month rental history for current and prior primary. | 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. | $XXK residual income<br>DTI is XX% below guideline max. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-13): Post close lender exception provided.<br>Buyer Comment (2025-11-11): exception<br>Reviewer Comment (2025-11-10): Missing 12 months verification of rent, provide lender exception for months paid in cash.<br>Buyer Comment (2025-11-06): see attached leases for both properties.<br>Reviewer Comment (2025-10-24): We do not have the leases or a VOR from the private landlord which is required per guidelines. Also, LOE provided states paid some months in cash. A lender exception would be required for this item to clear with documentation provided.<br>Buyer Comment (2025-10-22): rental payments- disregard first upload- it is for another file<br>Buyer Comment (2025-10-22): rental payments |  |  | XX/XX/XXXX 9:03:04 AM | 2 B |  | XX | Primary | Purchase | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| XXXX | XXXX | 42870 |  | 36441040 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for borrower living with family and paying mortgage directly instead of rent. | 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. | Borrower has been employed in the same industry for more than 5 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-01): The client elects to waive. |  |  | XX/XX/XXXX 2:20:57 PM | 2 B |  | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 42870 |  | 36441042 |  | 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 $289.40 exceeds tolerance of $225.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-26): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 9:35:31 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 78715 |  | 36441056 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $9.60 exceeds tolerance of $0.00. $9.60 over legal limit. Insufficient or no cure was provided to the borrower. | Title - Recording Service Fee was last disclosed as $0.00 on LE but disclosed as $9.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-12-08): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-12-07): shows scheduled to delivery monday- please clear<br>Reviewer Comment (2025-12-05): SitusAMC received Post CD,LOX,Copy of refund check and proof of mailing .FedEx tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2025-12-04): cure docs |  | XX/XX/XXXX 4:55:36 AM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 28175 |  | 36441067 |  | 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 $4,760.00 exceeds tolerance of $3,366.00 plus 10% or $3,702.60. $1,057.40 over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $4,760.00 exceeds tolerance of $3,366.00 plus 10% or $3,702.60. $1,057.40 over legal limit. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2026-03-10): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2026-03-09):XX/XX/XXXX Rebuttal - We have had several tolerance cures per missing SSPL - this has been the procedure put in place by management and all of the exceptions have cured with LOX, PCCD, Copy of Refund Check & USPS Proof of Mailing. These are all being mailed USPS Standard mail, no tracking. Exceptions regarding missing SSPL date back to early February and have been cured.<br>Reviewer Comment (2026-03-05): SitusAMC received corrected PCCD, LOE, Copy of refund check. However, Proof of mailing with tracking number to borrower was not located in trailing documents. Proof of mailing is required to borrower to complete remediation.<br>Seller Comment (2026-03-03):XX/XX/XXXX LOX, PCCD, Copy of Refund Check & USPS Proof of Mailing uploaded to Clarity to cure exception. |  | XX/XX/XXXX 4:52:56 AM |  | 2 B |  | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 93887 |  | 36441082 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,534.25 exceeds tolerance of $1,123.00 plus 10% or $1,235.30. $1,298.95 over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $2,534.25 exceeds tolerance of $1,123.00 plus 10% or $1,235.30. $1,298.95 over legal limit. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2026-03-05): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Seller Comment (2026-03-04):XX/XX/XXXX LOX, PCCD, Copy of Refund Check & USPS Proof of Mailing uploaded to Clarity to cure exception. |  | XX/XX/XXXX 11:30:30 PM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 97829 |  | 36441086 |  | 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 $5,157.08 exceeds tolerance of $3,748.00 plus 10% or $4,122.80. $1,034.28 over legal limit. Insufficient or no cure was provided to the borrower. | No cure nor COC provided. |  |  |  | Reviewer Comment (2026-04-01): SitusAMC received PCCD, LOE, copy of refund check & proof of mailing.<br>Seller Comment (2026-03-31):XX/XX/XXXX Uploaded PDF per information from XXXXXXXXXXX - showing evidence refund check was cashed by borrower & cleared via bank account onXX/XX/XXXX Please review and clear.<br>Reviewer Comment (2026-03-10): To cure a tolerance exception proof of mailing is required. In most cases when the U.S. Postal Service is used, we will consider a copy of the stamped envelope with the postal stamp over the stamp as proof of mailing. In the event this is not possible, we can accept a copy of a mailing log that clearly indicates when and where an item was mailed. In the preceding examples we would consider the mailing as received by the borrower three business days later. Certified mail would require a copy of the certified mail label. In this case, we have a copy of the stamped envelope with no postal stamp. In this case we would ask for a copy of the mailing log or a copy of front and back of the cancelled/processed check to complete the mailing part of the cure.<br>Seller Comment (2026-03-10):XX/XX/XXXX This has been escalated internally - the process has been the same for all of the loans with the same SSPL tolerance issue - all other exceptions have been cured since early February. There is no tracking - these are all being sent to the borrower via USPS Standard delivery - copy of stamped envelope provided onXX/XX/XXXX Zip Code lookup was never provided - not sure what that statement is regarding.<br>Reviewer Comment (2026-03-10): SItusAMC received Zip code lookup. However, we are unable to verify whether the borrower received copy of refund check. Kindly provide borrower's confirmation for the same in order to clear the exception.<br>Seller Comment (2026-03-09):XX/XX/XXXX Rebuttal - We have had several tolerance cures per missing SSPL - this has been the procedure put in place by management and all of the exceptions have cured with LOX, PCCD, Copy of Refund Check & USPS Proof of Mailing. These are all being mailed USPS Standard mail, no tracking. Exceptions regarding missing SSPL date back to early February and have been cured.<br>Reviewer Comment (2026-03-05): SitusAMC received PCCD, LOE and proof of refund check. However, no proof of mailing provided. Please provide USPS tracking details to re-evaluate the exception.<br>Seller Comment (2026-03-03):XX/XX/XXXX LOX, PCCD, Copy of Refund Check & USPS Proof of Mailing uploaded to Clarity to cure exception. |  | XX/XX/XXXX 5:13:05 AM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 55520 |  | 36441092 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,598.47 exceeds tolerance of $2,469.00 plus 10% or $2,715.90. $882.57 over legal limit. Insufficient or no cure was provided to the borrower. | No Cure nor COC provided. Missing Settlement service providers |  |  |  | Reviewer Comment (2026-03-11): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2026-03-10): Evidence of USPS mailing was included with the LOX, PCCD and refund check uploaded on X/XX. Please see page 939 in "Trailing Other" in Clarity loan file.<br>Reviewer Comment (2026-03-09): SitusAMC received PCCD, LOE and copy of refund check. Missing proof of mailing. Please provide proof of mailing to cure the exception.<br>Seller Comment (2026-03-06): This tolerance cure was self identified and previously refunded to the borrower. Please see attached copy of LOX, PCCD, refund check and USPS mailing to borrower. |  | XX/XX/XXXX 1:02:19 AM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 55520 |  | 36441093 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for 4 months of reserves. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-24): The Client elects to waive |  |  | XX/XX/XXXX 3:38:56 PM | 2 B |  | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 41043 |  | 36441111 |  | 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 $7,664.50 exceeds tolerance of $4,638.00 plus 10% or $5,101.80. $2,562.70 over legal limit. Insufficient or no cure was provided to the borrower. | Cure nor valid COC provided. SSPL list was not provided. |  |  |  | Reviewer Comment (2026-03-29): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Seller Comment (2026-03-27): Please see attached copy of reissued LOX, PCCD, refund check and UPS trackable shipping.<br>Reviewer Comment (2026-03-18): SitusAMC received PCCD, LOE and copy of refund check. Missing proof of mailing. Please provide USPS tracking details to cure the exception.<br>Seller Comment (2026-03-17): This tolerance cure of $2003.25 was self identified and previously refunded to the borrower. Please see attached copy of LOX, PCCD, refund check and USPS mailing to borrower. Please note the survey was an optional service and as such is not subject to tolerance. This was corrected on the PCCD and shows in Section H as "optional". |  | XX/XX/XXXX 11:32:47 PM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 33227 |  | 36441142 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $300.00 exceeds tolerance of $0.00. $300.00 over legal limit. Insufficient or no cure was provided to the borrower. | COC states attorney review fee added due to closing in an LLC however loan did not close in an LLC. |  |  |  | Reviewer Comment (2026-03-25): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2026-03-24): Attorney review fee refunded to the borrower. Please see attached copy of LOX, PCCD, refund check and UPS mailing to borrower. |  | XX/XX/XXXX 5:18:32 AM |  | 2 B |  | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 21828 |  | 36441150 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,298.60 exceeds tolerance of $1,354.00 plus 10% or $1,489.40. $809.20 over legal limit. Insufficient or no cure was provided to the borrower. | Cure nor valid COC provided |  |  |  | Reviewer Comment (2026-03-06): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2026-03-04):XX/XX/XXXX LOX, PCCD, Copy of Refund Check & USPS Proof of Mailing uploaded to Clarity to cure exception. |  | XX/XX/XXXX 12:42:46 AM |  | 2 B |  | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 21828 |  | 36441151 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Client exception in file | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>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. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-02): Client elects to waive with verified compensation factors |  |  | XX/XX/XXXX 3:41:57 PM | 2 B |  | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 99667 |  | 36441154 |  | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Tangible Net Benefit Disclosure Signed by Borrower | Minnesota Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not signed by the Borrower prior to closing. |  |  |  |  | Reviewer Comment (2026-04-06): The client elects to waive. |  |  | XX/XX/XXXX 11:13:58 AM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 99667 |  | 36441156 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  | Reviewer Comment (2026-03-26): Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form were provided.<br>Seller Comment (2026-03-25): Please see attached LOX to borrower and signed H8. |  | XX/XX/XXXX 5:25:42 PM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 11667 |  | 36441191 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,896.45 exceeds tolerance of $2,278.00 plus 10% or $2,505.80. $390.65 over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $2,896.45 exceeds tolerance of $2,278.00 plus 10% or $2,505.80. $390.65 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-03-27): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2026-03-26):XX/XX/XXXX Borrower contacted and advised original package was thrown in the trash. Uploaded package re-issued with LOX, PCCD, Copy of Refund Check # XXXX to replace Ck # XXXX & UPS Shipping Label. Evidence of receipt to be uploaded once package delivered.<br>Reviewer Comment (2026-03-25): SitusAMC received Post CD,LOX,Copy of refund check and proof of mailing. However, we would require proof of mailing in order to cure the exception. Also, we are unable to determine from the file whether the lender or title company required the survey. If the lender required, the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.<br>Seller Comment (2026-03-24): 3/24 - Uploaded LOX, PCCD, Copy of Refund Check in the amount of $91.20 & USPS Proof of Mailing. Evidence of receipt to the borrower will be uploaded once received. The correct tolerance cure is $91.20, the Survey Fee $300 was disclosed correctly on the Initial LE in Section H - it is not a title fee & not subject to 10% tolerance. The Survey fee was disclosed in Section C on the Executed Final CD in error & moved to Section H on the PCCD. |  | XX/XX/XXXX 2:59:02 AM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 11667 |  | 36441193 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,596.45 exceeds tolerance of $2,278.00 plus 10% or $2,505.80. Sufficient or excess cure was provided to the borrower. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2026-03-27): Sufficient Cure Provided within 60 Days of Closing |  | XX/XX/XXXX 3:00:39 AM |  | 1 A |  | XX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | No |
| XXXX | XXXX | 68642 |  | 36441215 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested Exception for condo with budgeted reserves of 6.3% with < 50% reserve balance. Approval in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | $XK residual income<br>Fico is XXX points above guideline minimum. | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-03-09): Lender exception in file. |  |  | XX/XX/XXXX 4:33:48 PM | 2 B |  | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 98588 |  | 36441220 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,097.24 exceeds tolerance of $2,439.00 plus 10% or $2,682.90. $414.34 over legal limit. Insufficient or no cure was provided to the borrower. | No cure nor COC provided |  |  |  | Reviewer Comment (2026-03-26): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2026-03-25):XX/XX/XXXX Uploaded LOX, PCCD, Copy of Refund Check, UPS Shipping Label & UPS Proof of Delivery. Please review and clear. |  | XX/XX/XXXX 5:38:27 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 79241 |  | 36441237 |  | 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 $5,307.87 exceeds tolerance of $3,278.00 plus 10% or $3,605.80. $1,702.07 over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $5,307.87 exceeds tolerance of $3,278.00 plus 10% or $3,605.80. $1,702.07 over legal limit. INo valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2026-03-27): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2026-03-26):XX/XX/XXXX Uploaded LOX, PCCD, Copy of Refund Check, USPS Standard Mailing, & PDF per information from XXXXXXXXXXX - showing evidence refund check was cashed by borrower & cleared via bank account onXX/XX/XXXX Please review and clear. |  | XX/XX/XXXX 7:04:23 AM |  | 2 B |  | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 79241 |  | 36441238 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $5,307.87 exceeds tolerance of $3,278.00 plus 10% or $3,605.80. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2026-03-27): Sufficient Cure Provided within 60 Days of Closing |  | XX/XX/XXXX 7:05:06 AM |  | 1 A |  | XX | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | No |
| XXXX | XXXX | 47877 |  | 36441247 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested exception for 5 NSF's in 12 months with 2 in the most recent 3 months. Approval in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<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%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | LTV is XX% below guideline max. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-13): Lender exception in file. |  |  | XX/XX/XXXX 1:38:59 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 61008 |  | 36639230 |  | 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 $70.00 exceeds tolerance of $35.00. Sufficient or excess cure was provided to the borrower at Closing. | The credit report fee was disclosed as $35.00 on the LE, the final CD shows the fee as $70.00 There was a lender credit to cover the cost to cure |  |  |  | Reviewer Comment (2026-01-15): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 12:11:38 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 70175 |  | 36639235 |  | 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 Appraisal Desk Review Fee. Fee Amount of $205.00 exceeds tolerance of $165.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2026-01-27): Sufficient Cure Provided within 60 Days of Closing |  | XX/XX/XXXX 10:20:37 AM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 70175 |  | 36639236 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $X,XXX,XXX is under disclosed by $40.00 compared to the calculated total of payments of $X,XXX,XXX which exceeds the $35.00 threshold. | Total of Payments was updated to $X,XXX,XXXon Closing Disclosure issued on XX/XX/XXXX. |  |  |  | Reviewer Comment (2026-03-23): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2026-03-20): LOE<br>Buyer Comment (2026-03-20): RTC<br>Reviewer Comment (2026-03-04): The tolerance issue was cured after closing and before TPR review, However, TOP was also affected by the increase in the appraisal fee. This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery.<br>Buyer Comment (2026-03-04): see attached PCCD. recission still pending.<br>Reviewer Comment (2026-03-02): SitusAMC received LOE. Missing the proof of reopening of rescission to all consumers to finalize, as previously noted, this was a post close cure and not at closing cure, thus the reopening of rescission is required to finalize.<br>Buyer Comment (2026-02-27): see attached LOE<br>Reviewer Comment (2026-02-26): Please provide LOE sent to borrower forX/XX CD.<br>Buyer Comment (2026-02-25): see attached final settlement statement reflecting $40 credit to borrower<br>Reviewer Comment (2026-02-13): TOP calculation was underdisclosed $40 on the Final CD. Corrected CD reflects increased fees in Section D which underdisclosed the Final CD by that amount and cure is due. Corrected CD, LOE to borrrower, copy of cure refund of $40 for total underdisclosure, proof of mailing and proof of reopening rescission to all consumers, as this is a material disclosure on a rescindable transaction.<br>Buyer Comment (2026-02-12): client states $40 cure on Cd datedX/XX |  | XX/XX/XXXX 8:43:10 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 74591 |  | 36639253 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested exception for budgeted condo reserves of 7% with 29.48% balance. Approval in file. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Residual Income over $XX,XXX | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-11): The client elects to waive. |  |  | XX/XX/XXXX 10:29:25 AM | 2 B |  | XX | Second Home | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 30535 |  | 36639254 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception requested for condo with 1.6% budget reserves with 15% reserve fund balance. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has 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 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%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DTI XX% | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-11): The client elects to waive. |  |  | XX/XX/XXXX 10:57:52 AM | 2 B |  | XX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 28202 |  | 36639278 |  | 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 $109.00 exceeds tolerance of $86.00 plus 10% or $94.60. $14.40 over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $109.00 exceeds tolerance of $86.00 plus 10% or $94.60. $14.40 over legal limit. Insufficient or no cure was provided to the borrower. (0) |  |  |  | Reviewer Comment (2026-04-13): SitusAMC received PCCD, LOE, copy of refund check and proof of mailing.<br>Reviewer Comment (2026-03-27): SitusAMC received Post CD, LOX, refund check, and proof of mailing showing a cure of $201.10. The Final CD dated XX/XX/XXXX already reflects the same cure amount, while the total required cure is $265.90 for loan discount, Appraisal and Ten percent fee.<br> Please confirm if the $201.10 on the XX/XX/XXXX Post CD is an additional cure. If so, please provide a corrected Post CD reflecting a total cure of $402.20 under Section J, along with a revised LOX detailing which fees were cured.<br>Buyer Comment (2026-03-26): see 36037427<br>Reviewer Comment (2026-03-17): SitusAMC received CD dated XX/XXand XX/XX, however no COC provided for increase of fee on CD dated XX/XX. A valid COC with sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2026-03-16): docs uploaded |  | XX/XX/XXXX 6:28:11 PM |  | 2 B |  | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 28202 |  | 36639279 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $4,637.50 exceeds tolerance of $4,541.00. $96.50 over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $4,637.50 exceeds tolerance of $4,541.00. $96.50 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-04-14): SitusAMC received PCCD, LOE, Copy of refund check and proof of mailing.<br>Buyer Comment (2026-04-14): settlement statement shows $201.10 paid to borrower and then the lender sent another $201.10 after closing on XX/XX- lender over cured- please clear<br>Reviewer Comment (2026-04-14): Please provide copy of $64.80 refund check referenced in email to complete cure.<br>Reviewer Comment (2026-04-14): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2026-04-13): pccd<br>Reviewer Comment (2026-03-27): SitusAMC received Post CD, LOX, refund check, and proof of mailing showing a cure of $201.10. The Final CD dated XX/XX/XXXX already reflects the same cure amount, while the total required cure is $265.90 for loan discount, Appraisal and Ten percent fee.<br> Please confirm if the $201.10 on the XX/XX/XXXX Post CD is an additional cure. If so, please provide a corrected Post CD reflecting a total cure of $402.20 under Section J, along with a revised LOX detailing which fees were cured.<br>Buyer Comment (2026-03-26): see attached cure docs<br>Reviewer Comment (2026-03-17): SitusAMC received CD dated XX/XXand XX/XX, however no COC provided for increase of fee on CD dated XX/XX. A valid COC with sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2026-03-16): docs uploaded to 36037426 |  | XX/XX/XXXX 1:46:23 PM |  | 2 B |  | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 28202 |  | 36639280 |  | 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 $1,050.00 exceeds tolerance of $895.00. $155.00 over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,050.00 exceeds tolerance of $895.00. $155.00 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-04-13): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2026-03-27): SitusAMC received Post CD, LOX, refund check, and proof of mailing showing a cure of $201.10. The Final CD dated XX/XX/XXXX already reflects the same cure amount, while the total required cure is $265.90 for loan discount, Appraisal and Ten percent fee.<br> Please confirm if the $201.10 on the XX/XX/XXXX Post CD is an additional cure. If so, please provide a corrected Post CD reflecting a total cure of $402.20 under Section J, along with a revised LOX detailing which fees were cured.<br>Buyer Comment (2026-03-26): see 36037427<br>Reviewer Comment (2026-03-17): SitusAMC received CD dated XX/XXand XX/XX, however no COC provided for increase of fee on CD dated XX/XX. A valid COC with sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2026-03-16): docs uploaded to 36037426 |  | XX/XX/XXXX 6:28:59 PM |  | 2 B |  | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 26025 |  | 36639284 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  | Buyer Comment (2026-03-14): accept as is<br>Buyer Comment (2026-03-13): Please accept as it |  |  |  | 2 A |  | XX | Primary | Purchase | A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| XXXX | XXXX | 20483 |  | 36639301 |  | 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 $129.00 exceeds tolerance of $86.00 plus 10% or $94.60. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-16): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 12:48:46 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 20483 |  | 36639302 |  | 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 $302.00 exceeds tolerance of $299.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-16): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 12:48:46 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 20483 |  | 36639303 |  | 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 Flood Certification (Life Of Loan). Fee Amount of $13.00 exceeds tolerance of $12.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-16): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 12:48:46 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 20483 |  | 36639304 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $X,XXX,XXX is over disclosed by $432.95 compared to the calculated Amount Financed of $X,XXX,XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). | Disclosed Amount Financed was $X,XXX,XXX. Calculated Amount Financed is $X,XXX,XXX. Variance of $432.95. |  |  |  | Reviewer Comment (2026-03-25): Cure docs provided<br>Buyer Comment (2026-03-25): see attached remaining docs to clear<br>Reviewer Comment (2026-03-23): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. However, the FedEx tracking does not reflect that package has been picked up by carrier. Please provide proof when package picked up to finalize cure.<br>Buyer Comment (2026-03-20): see attached PCCD docs<br>Reviewer Comment (2026-03-19): SitusAMC received LOE & copy of cure refund. Missing copy of the Corrected CD (with post close issue date) and proof of mailing to finalize cure.<br>Buyer Comment (2026-03-18): LOE / check<br>Buyer Comment (2026-03-18): Cure<br>Reviewer Comment (2026-03-18): Amount financed is over disclosed.<br>Buyer Comment (2026-03-17): PCCD |  | XX/XX/XXXX 5:53:28 PM |  | 2 B |  | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | No |
| XXXX | XXXX | 20483 |  | 36639305 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $X,XXX,XXXis under disclosed by $432.95 compared to the calculated Finance Charge of $X,XXX,XXXhich exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). | Disclosed Finance charge of $X,XXX,XXX. Calculated Finance charge of $X,XXX,XXX. Variance of -$432.95. |  |  |  | Reviewer Comment (2026-03-25): Cure docs provided<br>Buyer Comment (2026-03-25): see 36073676 to clear<br>Reviewer Comment (2026-03-23): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. However, the FedEx tracking does not reflect that package has been picked up by carrier. Please provide proof when package picked up to finalize cure.<br>Buyer Comment (2026-03-20): see 36073676<br>Reviewer Comment (2026-03-19): SitusAMC received LOE & copy of cure refund. Missing copy of the Corrected CD (with post close issue date) and proof of mailing to finalize cure.<br>Buyer Comment (2026-03-18): LOEE/ Check<br>Reviewer Comment (2026-03-18): Finance charge is under disclosed.<br>Buyer Comment (2026-03-17): PCCD |  | XX/XX/XXXX 5:52:56 PM |  | 2 B |  | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | No |
| XXXX | XXXX | 20483 |  | 36639307 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested exception for asset utilization funds not seasoned. Awarded in divorce. Approval 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 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 (2026-03-17): Client elects to waive with verified compensation factors |  |  | XX/XX/XXXX 1:09:00 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 78207 |  | 36639319 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Broker | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). | Final Closing Disclosure provided on XX/XX/XXXX did not disclose the required Broker Contact Information. |  |  |  | Reviewer Comment (2026-04-27): Situsamc Received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2026-04-24): LOE<br>Reviewer Comment (2026-04-23): SitusAMC received PCCD. Missing LOE to borrower.<br>Buyer Comment (2026-04-22): docs uploaded |  | XX/XX/XXXX 1:04:40 AM |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 30925 |  | 36639323 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-16): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 5:08:23 PM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 30925 |  | 36639325 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the guidelines, for properties owned greater than 6 months but less than 12 months, LTV/CLTV is limited to the lower of the current appraised value or prior purchase price plus improvements. The appraisal states the subject is newly renovated, however missing documented improvements to determine value for LTV/CLTV. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | $XXK residual income<br>13 months reserves.<br>DTI is XX% below guideline max.<br>Fico is XXpoints above guideline minimum. | Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-04-10): Lender exception in file.<br>Buyer Comment (2026-04-10): Appraisal cleared with XXXCollateral team<br>Reviewer Comment (2026-03-30): Lender exception provided contingent on list of improvements which were not provided.<br>Buyer Comment (2026-03-26): see attached exception |  |  | XX/XX/XXXX 4:18:37 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 74483 |  | 36639342 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $575.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-24): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 7:20:36 AM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 74483 |  | 36639343 |  | 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 Collateral Desktop Analysis. Fee Amount of $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-24): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 7:20:36 AM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 74483 |  | 36639344 |  | 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 $369.94 exceeds tolerance of $245.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-24): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 7:20:36 AM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 60129 |  | 36639377 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $207.00 exceeds tolerance of $200.00. $7.00 over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $207.00 exceeds tolerance of $200.00. $7.00 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-03-25): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2026-03-24): "loe" "Check" "Label"<br>Reviewer Comment (2026-03-20): SitusAMC received PCCD, however we also require LOE, proof of mailing & copy of refund check to cure the exception.<br>Buyer Comment (2026-03-18): see attached |  | XX/XX/XXXX 7:46:32 AM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 86169 |  | 36639384 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  | Reviewer Comment (2026-03-31): Documentation provided; exception cleared.<br>Buyer Comment (2026-03-30): LOE<br>Reviewer Comment (2026-03-27): Provide the LOE to the borrower.<br>Buyer Comment (2026-03-25): See attached |  | XX/XX/XXXX 9:13:45 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 86169 |  | 36639385 |  | 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 $950.00 exceeds tolerance of $895.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-18): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 1:44:40 PM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 57359 |  | 36639391 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,043.28 exceeds tolerance of $-1,055.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-17): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 2:24:53 AM |  | 1 A |  | XX | Primary | Refinance - Rate/Term | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 92063 |  | 36639415 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of ___ is less than AUS required disposable income of ___. | Calculated investor qualifying disposable income of $X,XXXis less than AUS required disposable income of $2,000.00. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>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 | Reviewer Comment (2026-04-15): The client elects to waive.<br>Buyer Comment (2026-04-13): see attached updated exception<br>Reviewer Comment (2026-04-09): Per the exception, if rent differs from $X,XXXreflected on 1003, a re-review is required as little to no payment shook was considered in this lender exception. Verified rent in the amount of $X,XXX, exception must be re-reviewed.<br>Buyer Comment (2026-04-06): exception |  |  | XX/XX/XXXX 5:01:30 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 10033 |  | 36639422 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved lender exception for less than 24 months self-employment is approved with a 0.25 pricing hit in addition to standard LLPA's | The representative FICO score exceeds the guideline minimum by at least 40 points.<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. | FICO - XXX | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-20): The client elects to waive. |  |  | XX/XX/XXXX 11:46:45 AM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 57469 |  | 36639438 |  | 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 $130.00 exceeds tolerance of $108.00 plus 10% or $118.80. $11.20 over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $130.00 exceeds tolerance of $108.00 plus 10% or $118.80. $11.20 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-04-03): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2026-04-02): please see attached pccd, lox, tracking, and check<br>Reviewer Comment (2026-03-27): SitusAMC received PCCD with cure amount. Missing LOE, copy of refund check and proof of mailing. Please provide LOE, copy of refund check and proof of mailing to cure the exception.<br>Buyer Comment (2026-03-26): see attached |  | XX/XX/XXXX 6:22:14 AM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 49377 |  | 36639471 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Per the UW worksheet, lender utilized 14 months of bank statements to calculate income vs 12 as well as a partial bank statement from XXX XXXX. At time of audit review, income was qualified using X/XXXX-X/XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Miscellaneous<br>Miscellaneous | XXX Fico<br>8 months reserves | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator<br>Aggregator | Reviewer Comment (2026-04-01): Post close lender exception provided.<br>Buyer Comment (2026-03-31): exception uploaded for DTI |  |  | XX/XX/XXXX 6:53:49 AM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 49377 |  | 36639472 |  | 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 XX.XX% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Per the UW worksheet, lender utilized 14 months of bank statements to calculate income vs 12 as well as a partial bank statement from XXX XXXX. At time of audit review, income was qualified using X/XXXX-X/XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Miscellaneous<br>Miscellaneous | XXX Fico<br>8 months reserves | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator<br>Aggregator | Reviewer Comment (2026-04-01): Post close lender exception provided.<br>Buyer Comment (2026-03-31): exception |  |  | XX/XX/XXXX 6:52:43 AM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 64296 |  | 36639477 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | - ___ | CD's reflect no payee for the Notary Fee |  |  |  | Reviewer Comment (2026-03-31): Documentation provided<br>Buyer Comment (2026-03-30): loe<br>Reviewer Comment (2026-03-30): Missing LOE to the borrower.<br>Buyer Comment (2026-03-26): Cure |  | XX/XX/XXXX 9:56:01 AM |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 78870 |  | 36639509 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  | Reviewer Comment (2026-04-17): Documentation provided; exception cleared.<br>Buyer Comment (2026-04-16): see attached<br>Buyer Comment (2026-04-15): See attached<br>Reviewer Comment (2026-04-13): Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br>Buyer Comment (2026-04-09): docs uploaded |  | XX/XX/XXXX 9:40:08 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Non QM | Non QM | No |
| XXXX | XXXX | 52202 |  | 36639520 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $235.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-24): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 7:18:25 AM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 49220 |  | 36639527 |  | 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 $760.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-24): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 2:10:42 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 87759 |  | 36639534 |  | 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 $75.00 exceeds tolerance of $50.00 plus 10% or $55.00. $20.00 over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $75.00 exceeds tolerance of $50.00 plus 10% or $55.00. $20.00 over legal limit. Insufficient or no cure was provided to the borrower. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2026-04-17): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2026-04-16): see attached<br>Reviewer Comment (2026-04-03): SitusAMC received the LOX for email confirmation, the updated CD, and the closing statement. However, the corrected CD does not reflect a refund cure of $20 in the inner column of Section J. Additionally, the provided closing statement does not reflect any lender credit applied or issued to the borrower. Please provide an updated CD reflecting the $20 lender cure in the inner column of Section J along with the final settlement statement to verify that the lender credit was applied to the fee. Otherwise, provide a corrected CD, LOX, a copy of the refund check, and the mailing label to cure this exception.<br>Buyer Comment (2026-04-02): LOX received in addition to docs uploaded X/X<br>Buyer Comment (2026-04-01): see attached<br>Reviewer Comment (2026-03-27): SitusAMC received CD datedXX/XX/XXXX stating cure provided at closing. However, there is no lender cure inner column of section J.Therefore, we would require Final Settlement statement in order to verify the lender credit of $20 along with updated Post CD to reflect lender cure inner column of Section J with $20 along with detail LOX.<br>Buyer Comment (2026-03-26): See cure at bottom of page 2 of final cd.<br>Buyer Comment (2026-03-26): See final CD - page 2. cure done at closing. |  | XX/XX/XXXX 2:14:25 AM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 79315 |  | 36639540 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Insufficient assets verified to meet reserve requirements. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00. | $XK residual income | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-04-07): Post close lender exception provided.<br>Buyer Comment (2026-04-02): see attached approved exception to clear<br>Reviewer Comment (2026-03-31): Proceeds in Clarity match the PCCD, exceptions remain.<br>Buyer Comment (2026-03-27): See PCCD - proceeds listed in Clarity do not match. Please review - this should clear all conditions related to reserves. |  |  | XX/XX/XXXX 9:07:46 AM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| XXXX | XXXX | 79315 |  | 36639542 |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | Closing Disclosure has a Date Issued of XX/XX/XXXX but was signed and dated by the Borrower on XX/XX/XXXX. |  |  |  | Reviewer Comment (2026-04-06): Client elects to waive.<br>Buyer Comment (2026-04-02): approval received to accept as is<br>Reviewer Comment (2026-04-02): This exception needs to be accepted as is as we have the doc in file that shows borrower signing onXX/XX/XXXXThis is an informational level 2 exception.<br>Buyer Comment (2026-03-31): See doc with signature date of X/XXXX<br>Reviewer Comment (2026-03-31): No new documentation provided.<br>Buyer Comment (2026-03-27): See docs provided |  |  | XX/XX/XXXX 12:35:51 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| XXXX | XXXX | 58839 |  | 36639583 |  | 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 Tax Certificate Fee. Fee Amount of $165.95 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Tax Certificate Fee. Fee Amount of $165.95 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-25): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 1:10:35 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 17461 |  | 36639592 |  | 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 $317.50 exceeds tolerance of $214.00 plus 10% or $235.40. $82.10 over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $317.50 exceeds tolerance of $214.00 plus 10% or $235.40. $82.10 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-04-09): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2026-04-08): see 073 |  | XX/XX/XXXX 2:59:51 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 17461 |  | 36639593 |  | 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 $1,400.00 exceeds tolerance of $750.00. $650.00 over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,400.00 exceeds tolerance of $750.00. $650.00 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-04-09): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2026-04-08): see 073 |  | XX/XX/XXXX 3:00:05 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 17461 |  | 36639594 |  | 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 $328.30 exceeds tolerance of $200.00. $128.30 over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $328.30 exceeds tolerance of $200.00. $128.30 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-04-09): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2026-04-08): see 073 |  | XX/XX/XXXX 3:00:18 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 17461 |  | 36639595 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,125.00 exceeds tolerance of $3,575.00. $550.00 over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,125.00 exceeds tolerance of $3,575.00. $550.00 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-04-09): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2026-04-07): see attached |  | XX/XX/XXXX 3:00:31 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 16231 |  | 36639610 |  | 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 $818.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-26): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 4:12:23 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 16231 |  | 36639611 |  | 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 $365.23 exceeds tolerance of $350.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-26): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 4:12:23 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 79325 |  | 36639620 |  | 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 $276.75 exceeds tolerance of $247.00 plus 10% or $271.70. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-26): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 1:33:21 PM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 88486 |  | 36639666 |  | 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 $222.50 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-30): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 5:45:17 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 12400 |  | 36639679 |  | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of 7.51749% or Final Disclosure APR of 7.52200% is equal to or greater than the threshold of APOR 6.02% + 1.5%, or 7.52000% Compliant Higher Priced Loan. | APR on subject loan of 7.51749% or Final Disclosure APR of 7.52200% is equal to or greater than the threshold of APOR 6.02% + 1.5%, or 7.52000% Compliant Higher Priced Loan. |  |  |  | Buyer Comment (2026-04-07): accept as is<br>Reviewer Comment (2026-04-07): Please accept as is.<br>Buyer Comment (2026-04-03): BUSINESS VERIFICATION uploaded |  |  |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | No obvious cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 26074 |  | 36639688 |  | 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 Second Appraisal Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-31): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 3:24:43 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 93221 |  | 36639692 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to allow a 2 unit with ADU. Approval in file. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | LTVXX% | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-03): The client elects to waive. |  |  | XX/XX/XXXX 10:03:27 AM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 14953 |  | 36639698 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested exception for 13 months employment in current business when a minimum of 18 months is required. Approval 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. | FICO XXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-04-03): The client elects to waive. |  |  | XX/XX/XXXX 11:38:12 AM | 2 B |  | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 14953 |  | 36639700 |  | 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 Collateral Desktop Analysis. Fee Amount of $97.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-01): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 1:21:59 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 28729 |  | 36639723 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-10): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 2:48:43 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 68775 |  | 36639752 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested exception for borrower has been self-employed less than 18 months. Approval in file. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has 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. | DTIXX% | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-06): The client elects to waive. |  |  | XX/XX/XXXX 12:44:25 PM | 2 B |  | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 33498 |  | 36639784 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  | Reviewer Comment (2026-04-30): Received Letter of Explanation, Proof of Delivery and re-executed RTC<br>Buyer Comment (2026-04-30): LOE<br>Reviewer Comment (2026-04-30): Missing LOE to borrower.<br>Buyer Comment (2026-04-30): RTC<br>Buyer Comment (2026-04-30): Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form.<br>Reviewer Comment (2026-04-27): The cure for this is a Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form.<br>Buyer Comment (2026-04-27): see attached |  | XX/XX/XXXX 4:33:32 PM |  | 2 B |  | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 55795 |  | 36639798 |  | 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 $390.00 exceeds tolerance of $262.00 plus 10% or $288.20. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-14): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 10:22:11 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 51234 |  | 36639806 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,824.15 exceeds tolerance of $3,450.00 plus 10% or $3,795.00. $29.15 over legal limit. Insufficient or no cure was provided to the borrower. | Cure nor valid COC provided |  |  |  | Reviewer Comment (2026-04-06): Situasmc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2026-04-03):XX/XX/XXXX Uploaded Copy of Refund Check & USPS Priority Shipping label with tracking. Refund check was re-issued due to original check never cashed & unable to provide evidence it was received by borrower.<br>Seller Comment (2026-04-03):XX/XX/XXXX Uploaded Copy of Refund Check & USPS Priority Shipping label with tracking. Refund check was re-issued due to original check never cashed & unable to provide evidence it was received by borrower. LOX & PCCD were uploadedXX/XX/XXXX<br>Reviewer Comment (2026-03-26): SitusAMC received Post CD,LOX and Copy of refund check. However, we would require proof of mailing in order to cure the exception.<br>Seller Comment (2026-03-25):XX/XX/XXXX Uploaded LOX, PCCD, Copy of Refund Check & USPS Proof of Mailing. EVIDENCE OF RECEIPT TO THE BORROWER WIL LBE UPLOADED ONCE RECEIVED. |  | XX/XX/XXXX 2:11:18 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 51234 |  | 36639809 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,824.15 exceeds tolerance of $3,450.00 plus 10% or $3,795.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2026-03-26): Sufficient Cure Provided within 60 Days of Closing |  | XX/XX/XXXX 6:34:03 AM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | No |
| XXXX | XXXX | 55354 |  | 36639814 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 5 NSF's in 12 months, 4 within most recent 3 months, lender exception in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The 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%. | $XXK residual income<br>LTV is XX% below guideline max. | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-03-09): Lender exception in file. |  |  | XX/XX/XXXX 4:08:18 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

---

## Exhibit 99.6

**Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **EDGAR 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** |
| XXXX | XXXX | 57201 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.880% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 43043 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 47670 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 93093 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | 72507 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| XXXX | XXXX | 23026 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXX | XXXX | 66622 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | XXXX | 42749 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.800% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 87490 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| XXXX | XXXX | 21985 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | XXXX | 86971 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | 33636 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 42733 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 93430 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | XXXX | 64146 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | 66864 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 42816 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | 51025 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | 98200 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 74637 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 77631 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | XXXX | 81127 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | XXXX | 31626 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 52007 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 15655 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | 61955 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 22221 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| XXXX | XXXX | 68546 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 72296 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | XXXX | 39882 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| XXXX | XXXX | 92148 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 96757 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 43370 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 43361 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 23647 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 43428 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 32015 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 79953 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 87596 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 24747 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | 79571 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  | -4.550% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| XXXX | XXXX | 46446 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 73971 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXX | XXXX | 88032 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 15597 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 75572 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXX | XXXX | 98281 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.040% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXX | XXXX | 19445 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 16531 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 41454 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | XXXX | 17299 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 71874 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 32797 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| XXXX | XXXX | 30882 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 68589 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 49896 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | XXXX | 37309 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | 93173 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 28811 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 30421 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| XXXX | XXXX | 69333 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXX | XXXX | 57557 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 26.030% |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.030% |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 33463 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 86156 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 60125 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 60083 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 51217 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| XXXX | XXXX | 11535 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | 66248 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| XXXX | XXXX | 38153 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.380% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| XXXX | XXXX | 26970 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 66934 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX | XXXX | 44976 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 48403 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | XXXX | 19333 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 53192 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXX | XXXX | 80004 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | XXXX | 91211 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | XXXX | 59087 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 30043 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | 58342 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 28167 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | 77129 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 57936 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXXX | XXXX | 85632 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.380% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | XXXX | 99892 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.630% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.630% |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 23505 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXX | XXXX | 97495 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXX | XXXX | 96032 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 18634 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| XXXX | XXXX | 83953 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | 58506 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX | XXXX | 81163 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 95170 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 34511 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 70688 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | XXXX | 17187 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | 26290 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 16677 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | 66634 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 21290 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXX | XXXX | 17481 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | XXXX | 42870 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 62282 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 78715 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 28175 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 49056 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 93887 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| XXXX | XXXX | 97829 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXX | XXXX | 55520 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | 39726 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 99191 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXX | XXXX | 50386 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 41043 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXX | XXXX | 50776 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | 36500 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | XXXX | 90795 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | XXXX | 59502 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| XXXX | XXXX | 33227 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 71337 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | XXXX | 21828 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| XXXX | XXXX | 99667 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 50482 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXX | XXXX | 25470 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 19830 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 83285 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 79054 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 41154 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.770% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 11667 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 48251 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | 17423 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | 46335 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | 68642 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.780% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 79624 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 98588 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 62495 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
| XXXX | XXXX | 87033 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | 79241 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | XXXX | 18139 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.790% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| XXXX | XXXX | 47877 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 61008 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 70175 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| XXXX | XXXX | 82241 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 32417 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.950% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| XXXX | XXXX | 74591 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 30535 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 14.170% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 14.170% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XXXX | XXXX | 14487 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXX | XXXX | 21513 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| XXXX | XXXX | 28202 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | 26025 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.590% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 75910 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 60155 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
| XXXX | XXXX | 20483 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| XXXX | XXXX | 78207 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXX | XXXX | 30925 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| XXXX | XXXX | 16991 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.240% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| XXXX | XXXX | 74483 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXX | XXXX | 21642 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| XXXX | XXXX | 50574 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 71376 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| XXXX | XXXX | 53533 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.330% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | XXXX | 60129 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.110% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 86169 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXX | XXXX | 57359 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 82215 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 26496 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 94092 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 92063 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 10459 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 10033 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | 24536 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 41755 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 47783 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.510% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | XXXX | 57469 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXXX | XXXX | 96427 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.890% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | XXXX | 94494 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| XXXX | XXXX | 49990 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXX | XXXX | 44222 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | 74914 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 76836 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | XXXX | 50422 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 49377 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 64296 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 56078 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.780% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXX | XXXX | 46598 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 45290 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 94157 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 22073 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| XXXX | XXXX | 78870 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXX | XXXX | 52202 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 49220 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXX | XXXX | 67736 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 87759 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | 79315 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 39157 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 50283 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | 82405 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.000% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 94194 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.60 |
| XXXX | XXXX | 75046 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| XXXX | XXXX | 74774 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 67906 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 58839 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 17461 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | XXXX | 61950 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 16231 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 20112 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXX | XXXX | 79325 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXX | XXXX | 93963 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | 28708 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 36406 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 43782 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXX | XXXX | 81003 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | 31017 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 84429 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | XXXX | 77925 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXX | XXXX | 88486 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.400% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | XXXX | 56783 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXX | XXXX | 86445 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | 12400 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 26074 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| XXXX | XXXX | 93221 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 97552 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | XXXX | 14953 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | XXXX | 18354 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXX | XXXX | 28729 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 35744 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 93076 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 65798 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 18160 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.450% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 17848 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 85504 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXX | XXXX | 68775 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 31245 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.50 |
| XXXX | XXXX | 20765 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 74369 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 29159 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXX | XXXX | 48148 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 33498 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 69578 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | XXXX | 10994 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | XXXX | 55795 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 51234 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.900% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 55354 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXX | XXXX | 46586 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 65119 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXX | XXXX | 27875 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |

---

## Exhibit 99.6

**Data Compare (Non-Ignored)**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **EDGAR Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** |
| XXXX | XXXX | XXXX | 57201 |  | Borrower SSN |  | XXXXXXXXX | Verified |
| XXXX | XXXX | XXXX | 57201 |  | Note Date |  | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 57201 |  | First Payment Date |  | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 57201 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 57201 |  | Maturity Date |  | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 57201 |  | Original P&I |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 57201 |  | Property Type |  | 3 Family | Verified |
| XXXX | XXXX | XXXX | 57201 |  | Interest Only |  | 0 | Verified |
| XXXX | XXXX | XXXX | 57201 |  | Doc Type |  | 1yr P&L w/o Bank Statements | Verified |
| XXXX | XXXX | XXXX | 57201 |  | Appraised Value | $XXX | $XXX | Verified |
| XXXX | XXXX | XXXX | 57201 |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 57201 |  | Product Description | Prime Connect | Fixed Rate | Verified |
| XXXX | XXXX | XXXX | 57201 |  | Neg Am |  | 0 | Verified |
| XXXX | XXXX | XXXX | 57201 |  | Cash From Borrower |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 57201 |  | Total Income |  | XXX | Verified |
| XXXX | XXXX | XXXX | 57201 |  | Original HLTV |  | 80 | Verified |
| XXXX | XXXX | XXXX | 57201 |  | PITIA Reserves Months | 6.00 | 6.41 | Verified |
| XXXX | XXXX | XXXX | 57201 |  | Universal Loan Identifier (ULI) |  | XXXX XXXX | Verified |
| XXXX | XXXX | XXXX | 57201 |  | Loan Property Count | 3 | 1 | Verified |
| XXXX | XXXX | XXXX | 57201 |  | Appraisal As-Is Value | $XXX |  | Verified |
| XXXX | XXXX | XXXX | 43043 |  | Borrower SSN |  | XXXXXXXXX | Verified |
| XXXX | XXXX | XXXX | 43043 |  | Note Date |  | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 43043 |  | First Payment Date |  | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 43043 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 43043 |  | Maturity Date |  | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 43043 |  | Original P&I |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 43043 |  | Property Type |  | 3 Family | Verified |
| XXXX | XXXX | XXXX | 43043 |  | Interest Only |  | 0 | Verified |
| XXXX | XXXX | XXXX | 43043 |  | Doc Type |  | 12mo CPA P&L | Verified |
| XXXX | XXXX | XXXX | 43043 |  | Appraised Value | $XXX | $XXX | Verified |
| XXXX | XXXX | XXXX | 43043 |  | # of Units | 2 | 3 | Verified |
| XXXX | XXXX | XXXX | 43043 |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 43043 |  | Product Description | Prime Connect | Fixed Rate | Verified |
| XXXX | XXXX | XXXX | 43043 |  | Neg Am |  | 0 | Verified |
| XXXX | XXXX | XXXX | 43043 |  | Cash From Borrower |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 43043 |  | Total Income |  | XXX | Verified |
| XXXX | XXXX | XXXX | 43043 |  | Investor: Qualifying Total Debt Ratio | 46.45 | 48.70006 | Verified |
| XXXX | XXXX | XXXX | 43043 |  | Original HLTV |  | 80 | Verified |
| XXXX | XXXX | XXXX | 43043 |  | PITIA Reserves Months | 12.00 | 7.37 | Verified |
| XXXX | XXXX | XXXX | 43043 |  | Universal Loan Identifier (ULI) |  | XXXX XXXX | Verified |
| XXXX | XXXX | XXXX | 43043 |  | Loan Property Count | 2 | 1 | Verified |
| XXXX | XXXX | XXXX | 43043 |  | Appraisal As-Is Value | $XXX |  | Verified |
| XXXX | XXXX | XXXX | 47670 |  | Street | XXXX XXXX | XXXX XXXX | Verified |
| XXXX | XXXX | XXXX | 47670 |  | Borrower SSN |  | XXXXXXXXX | Verified |
| XXXX | XXXX | XXXX | 47670 |  | Note Date |  | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 47670 |  | Original Loan Amount | XXXX | XXXX | Verified |
| XXXX | XXXX | XXXX | 47670 |  | First Payment Date |  | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 47670 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 47670 |  | Maturity Date |  | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 47670 |  | Original P&I |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 47670 |  | Property Type |  | Condo (Low Rise) | Verified |
| XXXX | XXXX | XXXX | 47670 |  | Interest Only |  | 0 | Verified |
| XXXX | XXXX | XXXX | 47670 |  | Doc Type |  | 1yr 1099 | Verified |
| XXXX | XXXX | XXXX | 47670 |  | Appraised Value | $XXX | $XXX | Verified |
| XXXX | XXXX | XXXX | 47670 |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 47670 |  | Product Description | Prime Connect | Fixed Rate | Verified |
| XXXX | XXXX | XXXX | 47670 |  | Neg Am |  | 0 | Verified |
| XXXX | XXXX | XXXX | 47670 |  | Cash From Borrower |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 47670 |  | Total Income |  | XXX | Verified |
| XXXX | XXXX | XXXX | 47670 |  | Investor: Qualifying Total Debt Ratio | 43.63 | 46.23149 | Verified |
| XXXX | XXXX | XXXX | 47670 |  | Original HLTV |  | 70 | Verified |
| XXXX | XXXX | XXXX | 47670 |  | PITIA Reserves Months | 12.00 | 226.51 | Verified |
| XXXX | XXXX | XXXX | 47670 |  | Universal Loan Identifier (ULI) |  | XXXX XXXX | Verified |
| XXXX | XXXX | XXXX | 47670 |  | Appraisal As-Is Value | $XXX |  | Verified |
| XXXX | XXXX | XXXX | 93093 |  | Borrower SSN | XXXXXXXXX | XXXXXXXXX | Verified |
| XXXX | XXXX | XXXX | 93093 |  | Note Date |  | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 93093 |  | First Payment Date |  | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 93093 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 93093 |  | Maturity Date |  | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 93093 |  | Original P&I | XXXX | XXXX | Verified |
| XXXX | XXXX | XXXX | 93093 |  | Property Type |  | 3 Family | Verified |
| XXXX | XXXX | XXXX | 93093 |  | Interest Only |  | 0 | Verified |
| XXXX | XXXX | XXXX | 93093 |  | Doc Type | Full | 2yr Full Doc | Verified |
| XXXX | XXXX | XXXX | 93093 |  | Cash To Borrower | $XXX | $XXX | Verified |
| XXXX | XXXX | XXXX | 93093 |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 93093 |  | Product Description | Prime Connect | Fixed Rate | Verified |
| XXXX | XXXX | XXXX | 93093 |  | Neg Am |  | 0 | Verified |
| XXXX | XXXX | XXXX | 93093 |  | Borrower FTHB |  | 0 | Verified |
| XXXX | XXXX | XXXX | 93093 |  | Total Income |  | XXX | Verified |
| XXXX | XXXX | XXXX | 93093 |  | Original HLTV |  | 60 | Verified |
| XXXX | XXXX | XXXX | 93093 |  | PITIA Reserves Months | 6.00 | 113.20 | Verified |
| XXXX | XXXX | XXXX | 93093 |  | Universal Loan Identifier (ULI) |  | XXXX XXXX | Verified |
| XXXX | XXXX | XXXX | 93093 |  | Loan Property Count | 3 | 1 | Verified |
| XXXX | XXXX | XXXX | 93093 |  | Appraisal As-Is Value | $XXX |  | Verified |
| XXXX | XXXX | XXXX | 72507 |  | Borrower SSN |  | XXXXXXXXX | Verified |
| XXXX | XXXX | XXXX | 72507 |  | Note Date |  | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 72507 |  | First Payment Date |  | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 72507 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 72507 |  | Maturity Date |  | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 72507 |  | Original P&I |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 72507 |  | Property Type |  | Condo (Low Rise) | Verified |
| XXXX | XXXX | XXXX | 72507 |  | Interest Only |  | 0 | Verified |
| XXXX | XXXX | XXXX | 72507 |  | Doc Type |  | 1yr Full Doc | Verified |
| XXXX | XXXX | XXXX | 72507 |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 72507 |  | Product Description | Prime Connect | Fixed Rate | Verified |
| XXXX | XXXX | XXXX | 72507 |  | Neg Am |  | 0 | Verified |
| XXXX | XXXX | XXXX | 72507 |  | Cash From Borrower |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 72507 |  | Total Income |  | XXX | Verified |
| XXXX | XXXX | XXXX | 72507 |  | Investor: Qualifying Total Debt Ratio | 41.35 | 47.97672 | Verified |
| XXXX | XXXX | XXXX | 72507 |  | Original HLTV |  | 75 | Verified |
| XXXX | XXXX | XXXX | 72507 |  | PITIA Reserves Months | 6.00 | 55.34 | Verified |
| XXXX | XXXX | XXXX | 72507 |  | Universal Loan Identifier (ULI) |  | XXXX XXXX | Verified |
| XXXX | XXXX | XXXX | 72507 |  | Appraisal As-Is Value | $XXX |  | Verified |
| XXXX | XXXX | XXXX | 23026 |  | Contract Sales Price | 0.00 |  | Verified |
| XXXX | XXXX | XXXX | 66622 |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 66622 |  | Contract Sales Price | 0.00 |  | Verified |
| XXXX | XXXX | XXXX | 42749 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 42749 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 42749 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 42749 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 42749 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 42749 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 42749 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 87490 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 21985 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 21985 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 21985 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 21985 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 21985 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 21985 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 86971 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 86971 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 86971 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 86971 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 86971 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 86971 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 33636 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 33636 |  | Original Term |  | 180 | Verified |
| XXXX | XXXX | XXXX | 33636 |  | Amortization Term |  | 180 | Verified |
| XXXX | XXXX | XXXX | 33636 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 33636 |  | Property Type | Condo (Low Rise) | Condo (Mid Rise) | Verified |
| XXXX | XXXX | XXXX | 33636 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 33636 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 33636 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 33636 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 42733 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 42733 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 42733 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 42733 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 42733 |  | Originator Loan Designation |  | Higher Priced QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 42733 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 93430 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 93430 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 93430 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 93430 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 93430 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 93430 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 93430 |  | Investor: Qualifying Total Debt Ratio | 3.289 | 49.90228 | Verified |
| XXXX | XXXX | XXXX | 93430 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 64146 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 64146 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 64146 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 64146 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 64146 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 64146 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 64146 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 66864 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 42816 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 42816 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 42816 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 42816 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 42816 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 42816 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 42816 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 51025 |  | Representative FICO | XXX | XXX | Verified |
| XXXX | XXXX | XXXX | 51025 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 98200 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 98200 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 98200 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 98200 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 98200 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 98200 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 98200 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 74637 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 74637 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 74637 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 74637 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 74637 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 74637 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 74637 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 74637 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 77631 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 77631 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 77631 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 77631 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 77631 |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 77631 |  | Investor: Qualifying Total Debt Ratio | 24.656 | 22.27997 | Verified |
| XXXX | XXXX | XXXX | 77631 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 81127 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 81127 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 81127 |  | Amortization Type |  | ARM | Verified |
| XXXX | XXXX | XXXX | 81127 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 81127 |  | First Interest Rate Change Date |  | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 81127 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 81127 |  | Interest Rate Life Floor | 2 | 3.125 | Verified |
| XXXX | XXXX | XXXX | 81127 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 81127 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 31626 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 31626 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 31626 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 31626 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 31626 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 31626 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 31626 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 52007 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 15655 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 15655 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 15655 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 15655 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 15655 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 15655 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 61955 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 61955 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 61955 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 61955 |  | Property Type | Single Family Detached | 2 Family | Verified |
| XXXX | XXXX | XXXX | 61955 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 22221 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 22221 |  | Property Type | PUD | PUD Attached | Verified |
| XXXX | XXXX | XXXX | 68546 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 68546 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 68546 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 68546 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 68546 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 68546 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 72296 |  | Investor: Qualifying Total Debt Ratio | 45.988 | 48.01578 | Verified |
| XXXX | XXXX | XXXX | 72296 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 39882 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 39882 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 39882 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 39882 |  | Representative FICO | XXX | XXX | Verified |
| XXXX | XXXX | XXXX | 39882 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 39882 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 39882 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 92148 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 92148 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 92148 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 92148 |  | Property Type | PUD | Townhouse | Verified |
| XXXX | XXXX | XXXX | 92148 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 92148 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 92148 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 92148 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 96757 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 96757 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 96757 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 96757 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 96757 |  | Appraised Value | $XXX | $XXX | Verified |
| XXXX | XXXX | XXXX | 96757 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 96757 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 96757 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 43370 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 43370 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 43370 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 43370 |  | Representative FICO | XXX | XXX | Verified |
| XXXX | XXXX | XXXX | 43370 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 43370 |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 43370 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 43361 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 43361 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 43361 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 43361 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 43361 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 43361 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 23647 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 23647 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 23647 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 23647 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 23647 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 23647 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 23647 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 43428 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 43428 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 43428 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 43428 |  | Representative FICO | XXX | XXX | Verified |
| XXXX | XXXX | XXXX | 43428 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 43428 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 43428 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 43428 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 32015 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 32015 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 32015 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 32015 |  | Representative FICO | XXX | XXX | Verified |
| XXXX | XXXX | XXXX | 32015 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 32015 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 32015 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 79953 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 79953 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 79953 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 79953 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 87596 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 87596 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 87596 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 87596 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 87596 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 87596 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 87596 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 24747 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 24747 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 24747 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 24747 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 24747 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 24747 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 79571 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 79571 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 79571 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 79571 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 79571 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 79571 |  | Investor: Qualifying Total Debt Ratio | 41.176 | 43.55128 | Verified |
| XXXX | XXXX | XXXX | 79571 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 46446 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 46446 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 46446 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 46446 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 46446 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 46446 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 73971 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 88032 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 88032 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 88032 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 88032 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 88032 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 88032 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 88032 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 88032 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 15597 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 15597 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 15597 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 15597 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 15597 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 15597 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 15597 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 75572 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 75572 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 75572 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 75572 |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified |
| XXXX | XXXX | XXXX | 75572 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 75572 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 75572 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 19445 |  | Investor: Qualifying Total Debt Ratio | 16.11 | 48.11162 | Verified |
| XXXX | XXXX | XXXX | 16531 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 41454 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 41454 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 17299 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 30882 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 30882 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 30882 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 30882 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 30882 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 30882 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 68589 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 49896 |  | Property Type | PUD | PUD Attached | Verified |
| XXXX | XXXX | XXXX | 49896 |  | Original CLTV | 77.26 | 74.76 | Verified |
| XXXX | XXXX | XXXX | 49896 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 49896 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 37309 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 37309 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 37309 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 37309 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 37309 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 37309 |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 37309 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 93173 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 93173 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 93173 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 93173 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 93173 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 93173 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 93173 |  | Originator Loan Designation | N/A | Exempt from ATR | Verified |
| XXXX | XXXX | XXXX | 93173 |  | Investor: Qualifying Total Debt Ratio | 15.434 | 26.90205 | Verified |
| XXXX | XXXX | XXXX | 93173 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 28811 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 28811 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 28811 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 28811 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 28811 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 28811 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 28811 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 30421 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 30421 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 30421 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 30421 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 30421 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 30421 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 30421 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 69333 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 69333 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 69333 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 69333 |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified |
| XXXX | XXXX | XXXX | 69333 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 69333 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 69333 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 69333 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 57557 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 57557 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 57557 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 57557 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 57557 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 57557 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 57557 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 57557 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 33463 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 33463 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 33463 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 33463 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 33463 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 33463 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 33463 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 86156 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 86156 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 86156 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 86156 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 86156 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 86156 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 86156 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 86156 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 60125 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 60083 |  | Representative FICO | XXX | XXX | Verified |
| XXXX | XXXX | XXXX | 60083 |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 51217 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 11535 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 11535 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 11535 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 11535 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 11535 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 11535 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 11535 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 66248 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 66248 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 66248 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 66248 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 66248 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 66248 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 66248 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 38153 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 38153 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 38153 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 38153 |  | Representative FICO | XXX | XXX | Verified |
| XXXX | XXXX | XXXX | 38153 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 38153 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 38153 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 26970 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 26970 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 26970 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 26970 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 26970 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 26970 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 26970 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 66934 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 44976 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 48403 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 48403 |  | Investor: Qualifying Total Debt Ratio | 28.944 | 23.10449 | Verified |
| XXXX | XXXX | XXXX | 19333 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 19333 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 19333 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 19333 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 53192 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 53192 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 53192 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 53192 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 53192 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 53192 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 80004 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 80004 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 80004 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 80004 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 80004 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 80004 |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 80004 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 91211 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 91211 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 91211 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 91211 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 91211 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 91211 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 59087 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 59087 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 59087 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 59087 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 59087 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 59087 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 30043 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 30043 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 30043 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 30043 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 30043 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 30043 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 30043 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 58342 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 58342 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 58342 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 58342 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 58342 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 58342 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 58342 |  | Investor: Qualifying Total Debt Ratio | 49.572 | 44.54702 | Verified |
| XXXX | XXXX | XXXX | 58342 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 28167 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 28167 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 28167 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 28167 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 28167 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 28167 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 77129 |  | Original Term |  | 480 | Verified |
| XXXX | XXXX | XXXX | 77129 |  | Amortization Term |  | 480 | Verified |
| XXXX | XXXX | XXXX | 77129 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 77129 |  | Interest Only Period |  | 120 | Verified |
| XXXX | XXXX | XXXX | 77129 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 77129 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 77129 |  | Investor: Qualifying Total Debt Ratio | 41.732 | 44.95968 | Verified |
| XXXX | XXXX | XXXX | 77129 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 57936 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 57936 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 57936 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 57936 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 57936 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 57936 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 57936 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 57936 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 85632 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 85632 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 85632 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 85632 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 85632 |  | Interest Only Period |  | 120 | Verified |
| XXXX | XXXX | XXXX | 85632 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 85632 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 85632 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 99892 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 99892 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 99892 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 99892 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 99892 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 99892 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 99892 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 23505 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 23505 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 23505 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 23505 |  | Representative FICO | XXX | XXX | Verified |
| XXXX | XXXX | XXXX | 23505 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 23505 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 23505 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 97495 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 97495 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 97495 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 97495 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 97495 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 97495 |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 97495 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 18634 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 83953 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 83953 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 83953 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 83953 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 83953 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 83953 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 83953 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 58506 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 81163 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 81163 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 81163 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 81163 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 81163 |  | Property Type | Single Family Detached | 2 Family | Verified |
| XXXX | XXXX | XXXX | 81163 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 81163 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 81163 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 95170 |  | Representative FICO | XXX | XXX | Verified |
| XXXX | XXXX | XXXX | 95170 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 34511 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 70688 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 70688 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 70688 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 70688 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 70688 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 70688 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 17187 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 17187 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 17187 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 17187 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 17187 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 17187 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 17187 |  | Investor: Qualifying Total Debt Ratio | 33.731 | 27.08544 | Verified |
| XXXX | XXXX | XXXX | 17187 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 26290 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 26290 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 26290 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 26290 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 26290 |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified |
| XXXX | XXXX | XXXX | 26290 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 26290 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 26290 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 16677 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 16677 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 16677 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 16677 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 16677 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 16677 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 66634 |  | Contract Sales Price | 0.00 | $XXX | Verified |
| XXXX | XXXX | XXXX | 21290 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 21290 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 21290 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 21290 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 21290 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 21290 |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 21290 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 17481 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 17481 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 17481 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 17481 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 17481 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 17481 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 17481 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 42870 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 78715 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 78715 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 78715 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 78715 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 78715 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 78715 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 78715 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 50386 |  | Representative FICO | XXX | XXX | Verified |
| XXXX | XXXX | XXXX | 59502 |  | Borrower First Name | XXXX |  | Verified |
| XXXX | XXXX | XXXX | 59502 |  | Borrower Last Name | XXXX | XXXX | Verified |
| XXXX | XXXX | XXXX | 59502 |  | Coborrower First Name | XXXX | XXXX | Verified |
| XXXX | XXXX | XXXX | 59502 |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM | Verified |
| XXXX | XXXX | XXXX | 25470 |  | Property Type | Single Family | 2 Family | Verified |
| XXXX | XXXX | XXXX | 41154 |  | Property Type | PUD | PUD Attached | Verified |
| XXXX | XXXX | XXXX | 41154 |  | Contract Sales Price | 0.00 |  | Verified |
| XXXX | XXXX | XXXX | 48251 |  | Contract Sales Price | 0.00 |  | Verified |
| XXXX | XXXX | XXXX | 17423 |  | Contract Sales Price | 0.00 |  | Verified |
| XXXX | XXXX | XXXX | 62495 |  | Borrower First Name | XXXX |  | Verified |
| XXXX | XXXX | XXXX | 62495 |  | Borrower Last Name | XXXX | XXXX | Verified |
| XXXX | XXXX | XXXX | 87033 |  | Investor: Qualifying Total Debt Ratio | 17.468 | 15.37689 | Verified |
| XXXX | XXXX | XXXX | 79241 |  | Borrower Last Name | XXXX | XXXX | Verified |
| XXXX | XXXX | XXXX | 61008 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 70175 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 82241 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 82241 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 82241 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 82241 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 82241 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 82241 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 82241 |  | Investor: Qualifying Total Debt Ratio | 38.141 | 40.37797 | Verified |
| XXXX | XXXX | XXXX | 82241 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 32417 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 32417 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 32417 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 32417 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 32417 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 32417 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 74591 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 74591 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 74591 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 74591 |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified |
| XXXX | XXXX | XXXX | 74591 |  | Interest Only Period |  | 120 | Verified |
| XXXX | XXXX | XXXX | 74591 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 74591 |  | Investor: Qualifying Total Debt Ratio | 22.718 | 46.27196 | Verified |
| XXXX | XXXX | XXXX | 74591 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 30535 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 30535 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 30535 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 30535 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 30535 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 30535 |  | Investor: Qualifying Total Debt Ratio | 32.308 | 35.44494 | Verified |
| XXXX | XXXX | XXXX | 14487 |  | Original Term |  | 180 | Verified |
| XXXX | XXXX | XXXX | 14487 |  | Amortization Term |  | 180 | Verified |
| XXXX | XXXX | XXXX | 14487 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 14487 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 14487 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 14487 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 21513 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 21513 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 21513 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 21513 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 21513 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 21513 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 21513 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 28202 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 28202 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 28202 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 28202 |  | Interest Only Period |  | 120 | Verified |
| XXXX | XXXX | XXXX | 28202 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 28202 |  | Investor: Qualifying Total Debt Ratio | 7.339 | 9.7185 | Verified |
| XXXX | XXXX | XXXX | 28202 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 26025 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 26025 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 26025 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 26025 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 26025 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 26025 |  | Originator Loan Designation | N/A | Exempt from ATR | Verified |
| XXXX | XXXX | XXXX | 26025 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 75910 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 75910 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 75910 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 75910 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 75910 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 75910 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 75910 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 60155 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 60155 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 60155 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 60155 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 60155 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 60155 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 78207 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 78207 |  | Investor: Qualifying Total Debt Ratio | 38.447 | 48.10541 | Verified |
| XXXX | XXXX | XXXX | 30925 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 30925 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 30925 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 30925 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 30925 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 30925 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 16991 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 16991 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 74483 |  | Representative FICO | XXX | XXX | Verified |
| XXXX | XXXX | XXXX | 74483 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 21642 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 21642 |  | Investor: Qualifying Total Debt Ratio | 32.719 | 22.77373 | Verified |
| XXXX | XXXX | XXXX | 50574 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 50574 |  | Investor: Qualifying Total Debt Ratio | 40.35 | 37.31649 | Verified |
| XXXX | XXXX | XXXX | 71376 |  | Property Type | PUD | PUD Attached | Verified |
| XXXX | XXXX | XXXX | 71376 |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 53533 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 53533 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 53533 |  | Amortization Type |  | ARM | Verified |
| XXXX | XXXX | XXXX | 53533 |  | Interest Only Period |  | 120 | Verified |
| XXXX | XXXX | XXXX | 53533 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 53533 |  | First Interest Rate Change Date |  | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 53533 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 53533 |  | Interest Rate Life Floor | 2 | 2.74 | Verified |
| XXXX | XXXX | XXXX | 53533 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 60129 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 60129 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 60129 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 60129 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 60129 |  | Interest Only Period |  | 120 | Verified |
| XXXX | XXXX | XXXX | 60129 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 60129 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 60129 |  | Investor: Qualifying Total Debt Ratio | 33.653 | 42.71765 | Verified |
| XXXX | XXXX | XXXX | 60129 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 86169 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 86169 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 86169 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 86169 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 86169 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 86169 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 57359 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 82215 |  | Property Type | PUD | PUD Attached | Verified |
| XXXX | XXXX | XXXX | 82215 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 82215 |  | Investor: Qualifying Total Debt Ratio | 37.604 | 41.89834 | Verified |
| XXXX | XXXX | XXXX | 26496 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 94092 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 94092 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 94092 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 94092 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 94092 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 94092 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 94092 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 92063 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 92063 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 92063 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 92063 |  | Property Type | PUD | PUD Attached | Verified |
| XXXX | XXXX | XXXX | 92063 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 92063 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 92063 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 92063 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 10459 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 10459 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 10459 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 10459 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 10459 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 10459 |  | Investor: Qualifying Total Debt Ratio |  | 16.67885 | Verified |
| XXXX | XXXX | XXXX | 10033 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 10033 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 10033 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 10033 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 10033 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 10033 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 10033 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 24536 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 24536 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 24536 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 24536 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 24536 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 24536 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 24536 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 41755 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 47783 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 47783 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 47783 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 47783 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 47783 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 47783 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 57469 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 57469 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 57469 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 57469 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 57469 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 57469 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 57469 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 96427 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 96427 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 96427 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 96427 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 96427 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 96427 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 96427 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 94494 |  | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 94494 |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 94494 |  | Appraised Value | $XXX | $XXX | Verified |
| XXXX | XXXX | XXXX | 94494 |  | Original CLTV | 60 | 58.69565 | Verified |
| XXXX | XXXX | XXXX | 94494 |  | Original LTV | 60 | 58.69565 | Verified |
| XXXX | XXXX | XXXX | 94494 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 49990 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 49990 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 49990 |  | Amortization Type |  | ARM | Verified |
| XXXX | XXXX | XXXX | 49990 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 49990 |  | First Interest Rate Change Date |  | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 49990 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 49990 |  | Interest Rate Life Floor | 2 | 3.375 | Verified |
| XXXX | XXXX | XXXX | 49990 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 49990 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 44222 |  | Occupancy | Investment | Second Home | Verified |
| XXXX | XXXX | XXXX | 44222 |  | Originator Loan Designation |  | Non QM |  |
| XXXX | XXXX | XXXX | 44222 |  | Investor: Qualifying Total Debt Ratio | 50.221 | 42.88266 | Verified |
| XXXX | XXXX | XXXX | 44222 |  | Guideline Name |  | XXXX |  |
| XXXX | XXXX | XXXX | 74914 |  | Property Type | PUD | PUD Attached | Verified |
| XXXX | XXXX | XXXX | 74914 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 76836 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 50422 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 50422 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 49377 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 64296 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 64296 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 64296 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 64296 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 64296 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 64296 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 64296 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 56078 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 56078 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 56078 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 56078 |  | Property Type | Single Family Detached | Single Family Attached | Verified |
| XXXX | XXXX | XXXX | 56078 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 56078 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 56078 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 46598 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 45290 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 45290 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 45290 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 45290 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 45290 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 45290 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 45290 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 94157 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 94157 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 94157 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 94157 |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified |
| XXXX | XXXX | XXXX | 94157 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 94157 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 94157 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 94157 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 22073 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 22073 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 22073 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 22073 |  | Representative FICO | XXX | XXX | Verified |
| XXXX | XXXX | XXXX | 22073 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 22073 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 22073 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 78870 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 78870 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 78870 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 78870 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 78870 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 78870 |  | Investor: Qualifying Total Debt Ratio | 58.821 | 39.87189 | Verified |
| XXXX | XXXX | XXXX | 78870 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 52202 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 52202 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 52202 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 52202 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 52202 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 52202 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 49220 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 49220 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 49220 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 49220 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 49220 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 49220 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 49220 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 67736 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 67736 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 67736 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 67736 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 67736 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 67736 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 67736 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 67736 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 87759 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 87759 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 87759 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 87759 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 87759 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 87759 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 87759 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 79315 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 79315 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 79315 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 79315 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 79315 |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 79315 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 39157 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 39157 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 39157 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 39157 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 39157 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 39157 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 39157 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 50283 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 50283 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 50283 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 50283 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 50283 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 50283 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 50283 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 82405 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 82405 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 82405 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 82405 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 82405 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 82405 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 82405 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 94194 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 94194 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 94194 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 94194 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 94194 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 94194 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 94194 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 75046 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 75046 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 75046 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 75046 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 75046 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 75046 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 74774 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 74774 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 74774 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 74774 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 74774 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 74774 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 74774 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 67906 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 67906 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 67906 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 67906 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 67906 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 67906 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 67906 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 58839 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 58839 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 58839 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 58839 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 58839 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 58839 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 58839 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 17461 |  | Representative FICO | XXX | XXX | Verified |
| XXXX | XXXX | XXXX | 17461 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 61950 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 61950 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 61950 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 61950 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 61950 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 61950 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 61950 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 16231 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 16231 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 16231 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 16231 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 16231 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 16231 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 16231 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 20112 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 20112 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 20112 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 20112 |  | Property Type | PUD | PUD Attached | Verified |
| XXXX | XXXX | XXXX | 20112 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 20112 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 20112 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 20112 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 79325 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 79325 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 79325 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 79325 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 79325 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 79325 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 79325 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 93963 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 93963 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 93963 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 93963 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 93963 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 93963 |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 93963 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 28708 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 36406 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 36406 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 36406 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 36406 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 36406 |  | Representative FICO | XXX | XXX | Verified |
| XXXX | XXXX | XXXX | 36406 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 36406 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 36406 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 43782 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 43782 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 43782 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 43782 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 43782 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 43782 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 43782 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 81003 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 81003 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 81003 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 81003 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 81003 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 81003 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 31017 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 31017 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 31017 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 31017 |  | Property Type | Single Family Detached | 2 Family | Verified |
| XXXX | XXXX | XXXX | 31017 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 31017 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 31017 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 84429 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 84429 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 84429 |  | Amortization Type |  | ARM | Verified |
| XXXX | XXXX | XXXX | 84429 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 84429 |  | First Interest Rate Change Date |  | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 84429 |  | Interest Rate Life Floor | 2 | 2.75 | Verified |
| XXXX | XXXX | XXXX | 84429 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 84429 |  | Investor: Qualifying Total Debt Ratio | 35.603 | 38.99594 | Verified |
| XXXX | XXXX | XXXX | 84429 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 77925 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 77925 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 77925 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 77925 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 77925 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 77925 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 88486 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 88486 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 88486 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 88486 |  | Representative FICO | XXX | XXX | Verified |
| XXXX | XXXX | XXXX | 88486 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 88486 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 88486 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 88486 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 56783 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 86445 |  | Representative FICO | XXX | XXX | Verified |
| XXXX | XXXX | XXXX | 86445 |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 12400 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 12400 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 12400 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 12400 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 12400 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 12400 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 26074 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 26074 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 26074 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 26074 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 26074 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 26074 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 26074 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 93221 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 93221 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 93221 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 93221 |  | Property Type | Single Family Detached | 2 Family | Verified |
| XXXX | XXXX | XXXX | 93221 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 97552 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 97552 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 97552 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 97552 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 97552 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 97552 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 14953 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 14953 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 14953 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 14953 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 14953 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 14953 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 14953 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 18354 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 18354 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 18354 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 18354 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 18354 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 18354 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 28729 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 28729 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 28729 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 28729 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 28729 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 28729 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 28729 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 35744 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 93076 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 93076 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 93076 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 93076 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 93076 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 93076 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 93076 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 65798 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 65798 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 65798 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 65798 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 65798 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 65798 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 65798 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 18160 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 18160 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 18160 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 18160 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 18160 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 18160 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 18160 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 85504 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 85504 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 85504 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 85504 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 85504 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 85504 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 85504 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 68775 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 68775 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 68775 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 68775 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 68775 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 68775 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 68775 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 68775 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 31245 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 31245 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 31245 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 31245 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 31245 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 31245 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 31245 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 20765 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 20765 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 20765 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 20765 |  | Property Type | Condo (Low Rise) | Condo (Mid Rise) | Verified |
| XXXX | XXXX | XXXX | 20765 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 20765 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 20765 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 20765 |  | Investor: Qualifying Total Debt Ratio | 41.865 | 39.17503 | Verified |
| XXXX | XXXX | XXXX | 20765 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 74369 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 74369 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 74369 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 74369 |  | Representative FICO | XXX | XXX | Verified |
| XXXX | XXXX | XXXX | 74369 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 74369 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 74369 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 74369 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 29159 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 29159 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 29159 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 29159 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 29159 |  | Contract Sales Price |  | $XXX | Verified |
| XXXX | XXXX | XXXX | 48148 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 48148 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 48148 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 48148 |  | Representative FICO | XXX | XXX | Verified |
| XXXX | XXXX | XXXX | 48148 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 48148 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 48148 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 33498 |  | Zip | XXXXX | XXXXX | Verified |
| XXXX | XXXX | XXXX | 33498 |  | Original Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 33498 |  | Amortization Term |  | 360 | Verified |
| XXXX | XXXX | XXXX | 33498 |  | Amortization Type |  | Fixed | Verified |
| XXXX | XXXX | XXXX | 33498 |  | Lien Position |  | 1 | Verified |
| XXXX | XXXX | XXXX | 33498 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 33498 |  | Guideline Name |  | XXXX | Verified |
| XXXX | XXXX | XXXX | 69578 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 10994 |  | Originator Loan Designation | N/A | Non QM | Verified |
| XXXX | XXXX | XXXX | 55795 |  | Property Type | Single Family Detached | 2 Family | Verified |
| XXXX | XXXX | XXXX | 55795 |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified |
| XXXX | XXXX | XXXX | 55354 |  | Borrower Last Name | XXXX | XXXX | Verified |
| XXXX | XXXX | XXXX | 27875 |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 27875 |  | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 27875 |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX | XXXX | XXXX | 27875 |  | Contract Sales Price |  | $XXX | Verified |

---

## Exhibit 99.7

**Exhibit 99.7**

![](n5966covius_logo.jpg)

Executive Summary<br> BRAVO 2026-NQM6

&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 Loan Funding Structure V LLC through Reliance Letters. The loan reviews were conducted from April 2025 through July 2025 by CRES.

&nbsp;&nbsp;&nbsp;&nbsp;(2) Number of Assets.

There were 7 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** |
| Fitch Ratings, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● U.S. RMBS Rating Criteria dated October 1, 2025 |
| &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<br> &nbsp;&nbsp;&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;DBRS, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Third-Party Due- Diligence Criteria and Representations & Warranties for U.S. RMBS Transactions dated September 30, 2024 |

---

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 7 mortgage loans with an aggregate original principal balance of approximately $2,133,780. The mortgage loans originated from April 2025 through May 2025.

&nbsp;&nbsp;&nbsp;&nbsp;(5) Asset Review

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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

Page 2 of 11

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)

Page 3 of 11

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:

● Cook County High-Cost Ordinance

● 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).

Page 4 of 11

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

&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

Page 5 of 11

(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;**Count** | &nbsp;&nbsp;**Percentage of Population** |
| &nbsp;&nbsp;**Investment/Business Purpose Loans** | &nbsp;&nbsp;4 | &nbsp;&nbsp;57.14% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | &nbsp;&nbsp;3 | &nbsp;&nbsp;42.86% |

---

**Document Review**

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

● Appraisal.

● Asset
 documentation.

● Business Purpose
 Certification (if applicable)

● Changed circumstance
 documentation.

● Credit report.

● FACTA disclosures.

Page 6 of 11

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

● Final 1003.

● Final HUD-1/Closing
 Disclosure(s).

● Hazard
 and/or flood insurance policies.

● HUD
 from sale of previous residence.

● Homeownership
 counseling organizations disclosure.

● Income
 and employment documentation.

● Initial
 and final GFE's.

● Initial
 application (1003).

● Initial
 escrow disclosure.

● Initial
 TIL.

● Leases

● Loan
 Estimate(s).

● Market
 Rent supporting documentation

● Mortgage
 Insurance.

● Mortgage/Deed
 of Trust.

● Note.

● Notice
 of Special Flood Hazards.

● Sales
 contract.

● Tangible
 Net Benefit Disclosure.

● Title/Preliminary
 Title.

● Written
 List of Service Providers.

&nbsp;&nbsp;&nbsp;&nbsp;(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 7 mortgage loans reviewed, three 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;**Discrepancy: Yes** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Appraised Value** | &nbsp;&nbsp;7 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;7 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;**Doc Level** | &nbsp;&nbsp;7 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;**DSCR\*** | &nbsp;&nbsp;7 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;**DTI** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**7** |

---

Page 7 of 11

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**FICO** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;**First Payment Date** | &nbsp;&nbsp;7 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;7 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;7 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;**Loan Term** | &nbsp;&nbsp;7 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;7 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;**Note Date\*** | &nbsp;&nbsp;7 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;7 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;7 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;7 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;**P&I Payment** | &nbsp;&nbsp;7 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;**Property City** | &nbsp;&nbsp;7 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;7 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;**Property Zip** | &nbsp;&nbsp;7 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;7 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;**QM Type\*** | &nbsp;&nbsp;7 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**7** |
| \* Tape data was not available. | \* Tape data was not available. | \* Tape data was not available. | \* Tape data was not available. |
| DTI Variance Threshold Applied: 3% | DTI Variance Threshold Applied: 3% | DTI Variance Threshold Applied: 3% | 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.

&nbsp;&nbsp;&nbsp;&nbsp;(7) Credit, Compliance and Property Valuation Results

**Credit Results Summary**

Approximately 100.00% of the mortgage loans by number have a Credit grade of "B" or higher and 71.43% of the mortgage loans by number have a Credit grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;71.43% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Results Summary**

Approximately 100.00% of the mortgage loans by number have a Compliance grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

Approximately 100.00% of the mortgage loans by number have a Valuation grade of "A".

Page 8 of 11

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |

---

**Overall Results Summary**

Approximately 100.00% of all loans by number received an "A" or "B" overall grade and 71.43% of all loans by number received an overall grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;71.43% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |

---

&nbsp;&nbsp;&nbsp;&nbsp;(8) Pool Stratification Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Arm** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Fixed** | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | &nbsp;&nbsp;2 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;**Non-Owner Occupied** | &nbsp;&nbsp;4 | &nbsp;&nbsp;57.14% |
| &nbsp;&nbsp;**Second Home** | &nbsp;&nbsp;1 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Purchase** | &nbsp;&nbsp;4 | &nbsp;&nbsp;57.14% |
| &nbsp;&nbsp;**Refi - Cash Out** | &nbsp;&nbsp;2 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;**Rate Term Refi** | &nbsp;&nbsp;1 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Single Family** | &nbsp;&nbsp;1 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;**2-4 Family** | &nbsp;&nbsp;1 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;**PUD** | &nbsp;&nbsp;2 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;**Condo** | &nbsp;&nbsp;3 | &nbsp;&nbsp;42.86% |
| &nbsp;&nbsp;**Co-op** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page 9 of 11

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Townhome** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Debt to Income** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**0-9.99%\*** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10%-19.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20%-29.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30%-39.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;**40%-49.99%** | &nbsp;&nbsp;3 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;**50%-60.00%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** |
| **Three loans in the pool were underwritten under either a Debt Service Coverage Ratio ("DSCR") loan program.** | **Three loans in the pool were underwritten under either a Debt Service Coverage Ratio ("DSCR") loan program.** | **Three loans in the pool were underwritten under either a Debt Service Coverage Ratio ("DSCR") loan program.** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DSCR Loans** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp; **<0 or** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **0-0.1999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **0.2-0.3999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **0.4-0.5999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **0.6-0.7999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **0.8-.9999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **1-1.1999** | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp; **1.2-1.3999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **1.4-1.5999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **1.6-1.7999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **1.8-1.9999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **=>2** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp; **3** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**10%-19.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20%-29.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30%-39.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40%-49.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50%-59.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;**60%-69.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**70%-79.99%** | &nbsp;&nbsp;3 | &nbsp;&nbsp;42.86% |
| &nbsp;&nbsp;**80%-89.99%** | &nbsp;&nbsp;3 | &nbsp;&nbsp;42.86% |
| &nbsp;&nbsp;**90%-100%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |

---

Page 10 of 11

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp; AL | &nbsp;&nbsp;1 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp; CA | &nbsp;&nbsp;1 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp; IL | &nbsp;&nbsp;1 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp; MA | &nbsp;&nbsp;1 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp; NJ | &nbsp;&nbsp;1 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp; OH | &nbsp;&nbsp;1 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp; WA | &nbsp;&nbsp;1 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |

---

Page 11 of 11

## Exhibit 99.7

**Exceptions Report: 6/12/2026**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Event Level** |
| **Loan Number** | **Property State** | **Purpose** | **Occupancy** | **Property Type** | **DTI** | **FICO** | **LTV** | **Note Original Balance** | **Exception Note** | **Exception General Comment** | **Comments** | **Condition** | **Exception Status** | **Grade** |
| 38449 | XXXXXX | Purchase | Second Home | Condo Attached | 36.24 | 760 | 80.00% | XXXXXX | Condo/PUD - A Condo Questionnaire is missing<br> from the loan file<br>Credit Report - A XXXX month housing history is<br> required. No open and active mortgages reporting on<br> initial credit or free and clear properties require pre-<br> approval.<br>Occupancy - The Occupancy Certification<br> Disclosure is missing from the loan file. | Condo/PUD - 06/04/25: Documentation provided to cure.<br>Credit Report - Preapproval for incomplete housing history approved by XXXX and in file.<br>Occupancy - 06/02/25: Documentation provided to cure. |  | No | Cleared Exception D A | 1 |
| 16253 | XXXXXX | Rate Term Refi | Non-Owner Occupied | Condo Attached | 47.19 | 815 | 73.73% | XXXXXX | Occupancy - An Occupancy Affidavit was not provided in the loan file.<br>Income - XXXX year verification of income: The XXXX tax transcript was not provided as the request was returned no records. The file includes an e-file receipt and evidence the tax liability was submitted to the IRS. The file includes a waiver dated XXXX for this issue. | Occupancy - 06/06/25: Documentation provided<br> to cure.<br>Income - Exception granted dated XXXX is in file. |  | No | Client Accepted B | 2 |
| 59098 | XXXXXX | Purchase | Owner Occupied | PUD | 43.17 | 736 | 85.00% | XXXXXX | Borrower ID - The front and back copy of the borrowers valid Permanent Resident Card is missing from the loan file. <br>VOM - The Verification of Rent (VOR) of the borrower's primary residence is missing from the loan file. <br>Appraised Value - The Appraised Value ($XXXX) is XXXX% greater than the Sales Price ($XXXX). An explanation letter addressing why the subject is being purchased for less from the borrower/seller was not located in the file. | Borrower ID - 05/15/25: Documentation provided to cure.<br>VOM - 07/08/25: Documentation provided to cure.<br>Appraised Value - 05/23/25: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 38151 | XXXXXX | Purchase | Owner Occupied | Condo Attached | 45.82 | 797 | 80.00% | XXXXXX | Loan Estimate - Per the Disclosure Tracking Revised LE dated XXXX is missing.<br>Closing Disclosure - Missing the Initial CD sign at least 3 days prior to closing and Revised CD XXXX per the Disclosure Tracking.<br>Closing Disclosure - This loan failed the charges that in total cannot increase more than XXXX% test. The final CD reflects the Recording Fee as $XXXX which increased from the initial LE fee of $XXXX. A Change of circumstance for the revised LE dated XXXX is missing from the loan file regarding the fee. <br>Final 1003 - The final signed 1003 is not included in the loan file.<br>Closing Disclosure - This loan failed the charges that cannot increase test. The final CD reflects a Lock extension fee of $XXXX, however a COC for adding the fee is missing from the loan file.  | Loan Estimate - 6/2/2025: Document provided to cure. <br>Closing Disclosure - 6/2/2025: Document provided to cure. <br>Closing Disclosure - 6/8/2025: COC provided to cure. <br>Final 1003 - 6/2/2025: Document provided to cure. <br>Closing Disclosure - 6/8/2025: COC provided to cure.  |  | No | Cleared Exception D A | 1 |
| 93363 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 0.00 | 767 | 75.00% | XXXXXX | Eligibilty - The Amortization Schedule is missing from from loan file.<br>Rental Income - A copy of the lease agreements for units XXXX and XXXX are missing from the loan file.<br>Program Eligibilty - Per appraisal unit XXXX is vacant; evidence of the unit being recently rehabbed or is currently listed for rent is missing from the loan file. | Eligibilty - 05/12/25: Documentation provided to cure.<br>Rental Income - 6/11: Provide the lease agreement for unit XXXX .<br> 7/3/2025: XXXX allowing the vacant unit 2 and use of market rent. <br>Program Eligibilty - 5/12: Appraisal indicates Unit XXXX was updated but not Unit XXXX which is vacant.<br> 06/11/25: Documentation provided to cure. |  | No | Client Accepted B | 2 |
| **5** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57746 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | PUD | 0.00 | 805 | 75.00% | XXXXXX |  |  |  |  | A |  |
| 58935 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0.00 | 766 | 54.90% | XXXXXX |  |  |  |  | A |  |
| **2** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.7

**Rating Agency Exceptions Report: 6/12/2026**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Event Level** |
| **Loan Number** | **Loan Number 2** | **Property State** | **Purpose** | **Occupancy** | **Property Type** | **DTI** | **DSCR** | **FICO** | **LTV** | **Note Original Balance** | **Exception ID** | **Exception Type** | **Exception Description** | **Exception Note** | **Exception General Comment** | **Compensating Factors** | **Exception Status** | **Grade** |
| XXXXXXXX | 38449 | XXXXXXXX | Purchase | Second Home | Condo Attached | 36.24 |  | 760 | 80.00% | XXXXXXXX | 301847 | Credit | Condo/PUD | A Condo Questionnaire is missing from the loan file | 06/04/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 38449 | XXXXXXXX | Purchase | Second Home | Condo Attached | 36.24 |  | 760 | 80.00% | XXXXXXXX | 301849 | Credit | Credit Report | A XXXX month housing history is required. No open and active mortgages reporting on initial credit or free and clear properties require pre-approval. | Preapproval for incomplete housing history approved by XXXX and in file. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 38449 | XXXXXXXX | Purchase | Second Home | Condo Attached | 36.24 |  | 760 | 80.00% | XXXXXXXX | 301851 | Credit | Occupancy | The Occupancy Certification Disclosure is missing from the loan file. | 06/02/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 16253 | XXXXXXXX | Rate Term Refi | Non-Owner Occupied | Condo Attached | 47.19 |  | 815 | 73.73% | XXXXXXXX | 302107 | Credit | Occupancy | An Occupancy Affidavit was not provided in the loan file. | 06/06/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 16253 | XXXXXXXX | Rate Term Refi | Non-Owner Occupied | Condo Attached | 47.19 |  | 815 | 73.73% | XXXXXXXX | 302108 | Credit | Income | XXXX - 1 year verification of income: The XXXX tax transcript was not provided as the request was returned no records. The file includes an e-file receipt and evidence the tax liability was submitted to the IRS. The file includes a waiver dated XXXX for this issue. | Exception granted dated XXXX is in file. | Credit Score - 815 score, DTI - 47.19% DTI, Months Of Reserves - <br> XXXX months reserves | Client Accepted B | 2 |
| XXXXXXXX | 93363 | XXXXXXXX | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 0 | 1.1785 | 767 | 75.00% | XXXXXXXX | 301538 | Credit | Eligibilty | The Amortization Schedule is missing from from loan file. | 05/12/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 93363 | XXXXXXXX | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 0 | 1.1785 | 767 | 75.00% | XXXXXXXX | 301551 | Credit | Rental Income | A copy of the lease agreements for units 1 and 3 are missing from the loan file. | 6/11: Provide the lease agreement for unit XXXX .<br> 7/3/2025: XXXX allowing the vacant unit XXXX and use of market rent. | Credit Score - 767, Months Of Reserves - XXXX | Client Accepted B | 2 |
| XXXXXXXX | 93363 | XXXXXXXX | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 0 | 1.1785 | 767 | 75.00% | XXXXXXXX | 301552 | Credit | Program Eligibilty | Per appraisal unit XXXX is vacant; evidence of the unit being recently rehabbed or is currently listed for rent is missing from the loan file. | 5/12: Appraisal indicates Unit XXXX was updated but not Unit XXXX which is vacant.<br> 06/11/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 59098 | XXXXXXXX | Purchase | Owner Occupied | PUD | 43.17 |  | 736 | 85.00% | XXXXXXXX | 301545 | Property | Appraised Value | The Appraised Value ($XXXX) is XXXX% greater than the Sales Price ($XXXX). An explanation letter addressing why the subject is being purchased for less from the borrower/seller was not located in the file. | 05/23/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 59098 | XXXXXXXX | Purchase | Owner Occupied | PUD | 43.17 |  | 736 | 85.00% | XXXXXXXX | 301547 | Credit | Borrower ID | The front and back copy of the borrowers valid Permanent Resident Card is missing from the loan file. | 05/15/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 59098 | XXXXXXXX | Purchase | Owner Occupied | PUD | 43.17 |  | 736 | 85.00% | XXXXXXXX | 301548 | Credit | VOM | The Verification of Rent (VOR) of the borrower's primary residence is missing from the loan file. | 07/08/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 38151 | XXXXXXXX | Purchase | Owner Occupied | Condo Attached | 45.82 |  | 797 | 80.00% | XXXXXXXX | 301892 | Credit | Final 1003 | The final signed 1003 is not included in the loan file. | 6/2/2025: Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 38151 | XXXXXXXX | Purchase | Owner Occupied | Condo Attached | 45.82 |  | 797 | 80.00% | XXXXXXXX | 301894 | Compliance | Loan Estimate | Per the Disclosure Tracking Revised LE dated XXXX is missing. | 6/2/2025: Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 38151 | XXXXXXXX | Purchase | Owner Occupied | Condo Attached | 45.82 |  | 797 | 80.00% | XXXXXXXX | 301895 | Compliance | Closing Disclosure | Missing the Initial CD sign at least XXXX days prior to closing and Revised CD XXXX per the Disclosure Tracking. | 6/2/2025: Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 38151 | XXXXXXXX | Purchase | Owner Occupied | Condo Attached | 45.82 |  | 797 | 80.00% | XXXXXXXX | 302117 | Compliance | Closing Disclosure | This loan failed the charges that in total cannot increase more than XXXX% test. The final CD reflects the Recording Fee as $XXXX which increased from the initial LE fee of $XXXX. A Change of circumstance for the revised LE dated XXXX is missing from the loan file regarding the fee. | 6/8/2025: COC provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 38151 | XXXXXXXX | Purchase | Owner Occupied | Condo Attached | 45.82 |  | 797 | 80.00% | XXXXXXXX | 302118 | Credit | Closing Disclosure | This loan failed the charges that cannot increase test. The final CD reflects a Lock extension fee of $XXXX, however a COC for adding the fee is missing from the loan file. | 6/8/2025: COC provided to cure. |  | Cleared Exception D A | 1 |
| **5** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXXX | 58935 | XXXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0585 | 766 | 54.90% | XXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 57746 | XXXXXXXX | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.0391 | 805 | 75.00% | XXXXXXXX |  |  |  |  |  |  | A |  |
| **2** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.7

![](covius_logo.jpg)

**&nbsp;&nbsp;&nbsp;&nbsp;ATR QM Data Fields**

Loans in Report: 7

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Loan Number** | **Alt Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** |
| XXXXXXX | 93363 | Not covered/exempt | No | No |
| XXXXXXX | 58935 | Not covered/exempt | No | No |
| XXXXXXX | 59098 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXX | 38449 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXX | 16253 | Not covered/exempt | No | No |
| XXXXXXX | 38151 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXX | 57746 | Not covered/exempt | No | No |
| **7** |  |  |  |  |

---

## Exhibit 99.7

---

| | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 93363 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.1785 | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | XXXX |
| 93363 | DSCR | 2 | XXXX | XXXX | Appraisal | XXXX |  |  | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 |  |
| 93363 | DSCR | 3 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | XXXX |
| 58935 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.0585 | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 2 | 3 |  |  |  |
| 57746 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.0391 | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 2 | 3 |  |  | XXXX |

---

## Exhibit 99.7

**Rating Agency Grades: 6/12/2026**

---

| | | |
|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** |
| **Loan Number** | **Alternate Loan ID** | **Note Original Balance** |
| XXXXXXXXXX | 93363 | XXXXXXXXXX C A B |
| XXXXXXXXXX | 58935 | XXXXXXXXXX A |
| XXXXXXXXXX | 59098 | XXXXXXXXXX C A |
| XXXXXXXXXX | 38449 | XXXXXXXXXX D A |
| XXXXXXXXXX | 16253 | XXXXXXXXXX C A B |
| XXXXXXXXXX | 38151 | XXXXXXXXXX D A |
| XXXXXXXXXX | 57746 | XXXXXXXXXX A |

---

## Exhibit 99.7

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| XXXXXXX | 16253 | 39.01 | 47.19 | DTI | 8.18 | Yes |
| XXXXXXX | 59098 | 38.91 | 43.17 | DTI | 4.26 | Yes |
| XXXXXXX | 93363 | 764 | 767 | FICO | 3 | Yes |

---

## Exhibit 99.7

**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** |
| **Loan Number** | **Alt Loan Number** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **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** |
| XXXXXXX | 93363 | XXXXXXX | XXXXXXX | 75.00% | Appraised Value |  | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | 0.00 | 0.00% | XXXXXXX | XXXXXXX |  |  |  |  |  |  | Fannie Mae | XXXXXXX |
| XXXXXXX | 58935 | XXXXXXX | XXXXXXX | 54.90% | Appraised Value | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | 0.00 | 0.00% | XXXXXXX | XXXXXXX |  |  |  |  |  | 3.7 | Fannie Mae | XXXXXXX |
| XXXXXXX | 59098 | XXXXXXX | XXXXXXX | 85.00% | Sale Price | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | 0.00 | 0.00% | XXXXXXX | XXXXXXX |  |  |  |  |  | 3 | Freddie Mac | XXXXXXX |
| XXXXXXX | 38449 | XXXXXXX | XXXXXXX | 80.00% | Appraised Value | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | 0.00 | 0.00% | XXXXXXX | XXXXXXX |  |  |  |  |  | 1 | Fannie Mae | XXXXXXX |
| XXXXXXX | 16253 | XXXXXXX | XXXXXXX | 73.73% | Appraised Value |  | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | 0.00 | 0.00% | XXXXXXX | XXXXXXX |  |  |  |  |  | 4.4 | Fannie Mae | XXXXXXX |
| XXXXXXX | 38151 | XXXXXXX | XXXXXXX | 80.00% | Appraised Value | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Fannie Mae | XXXXXXX |
| XXXXXXX | 57746 | XXXXXXX | XXXXXXX | 75.00% | Appraised Value |  | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XXXXXXX |

---

## Exhibit 99.8

**Exhibit 99.8**

![](selene_logo.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;&nbsp;&nbsp;&nbsp;&nbsp;(1) Type of assets that were reviewed.

Selene performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Loan Funding Structure V LLC ("Client"). The review was conducted between March 18 2026 and April 14 2026 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 3 Non-QM loans and 1 ATR/QM exempt loan for a total of 4 loans the "Final Securitization Population".

*<u>Credit Reviews (4):</u>*

During the Review, Selene performed a credit review on 4 mortgage loans in the Final Securitization Population.

*<u>Compliance Review</u> <u>(4)</u>*

During the Review, Selene performed a compliance review, when applicable on 4 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews</u> <u>(4):</u>*

During the Review, Selene performed a property valuation review on 4 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (4):</u>*

During the Review, Selene performed a Data Integrity Review on 4 mortgage loans in the Final Securitization Population.

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|:---|:---|
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**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 4 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;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;4 | &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"), Fitch Ratings, Inc. ("Fitch"), DBRS, Inc. ("DBRS") (the "NRSRO").

&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>**

5th Street Capital Non-QM Loan Eligibility Guidelines (collectively the "Guidelines")

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|:---|:---|
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**<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.

**<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, B, and C, attached hereto).

**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

● Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Guidelines cited above;

● Re-calculated LTV, CLTV, income, liabilities and compared these against the Guidelines;

● Analyzed asset statements to determine whether funds to close and reserves were within the Guidelines;

● Confirmed that credit scores (FICO) and credit histories were within the Guidelines.

**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.

**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

● 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.

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|:---|:---|
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● 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.

**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

● Tape data received from lender/client is stored in a secured FTP folder;

● Tape data is uploaded into the application;

● Loan Reviewer collects validated loan data;

● Each received data point is compared to its counterpart collected data point; and

● 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 4 mortgage loans, (ii) a Compliance Review on 4 mortgage loans (iii) a Valuation Review on 4 mortgage loans, and

(iv) a Data Integrity Review on 4 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.

**<u>REVIEW RESULTS SUMMARY</u>**

After review of the 4 mortgage loans; 2 mortgage loans had a rating grade of A, 2 mortgage loans 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 (4 overall loans):*** | &nbsp;&nbsp; ****<br> ****<br> ***Grades per loan (4 overall loans):*** | &nbsp;&nbsp; ****<br> ****<br> ***Grades per loan (4 overall loans):*** | &nbsp;&nbsp; ****<br> ****<br> ***Grades per loan (4 overall loans):*** | &nbsp;&nbsp; ****<br> ****<br> ***Grades per loan (4 overall loans):*** | &nbsp;&nbsp; ****<br> ****<br> ***Grades per loan (4 overall loans):*** | &nbsp;&nbsp; ****<br> ****<br> ***Grades per loan (4 overall loans):*** | &nbsp;&nbsp; ****<br> ****<br> ***Grades per loan (4 overall loans):*** | &nbsp;&nbsp; ****<br> ****<br> ***Grades per loan (4 overall loans):*** | &nbsp;&nbsp; ****<br> ****<br> ***Grades per loan (4 overall loans):*** |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**S&P** | **DBRS** | **Fitch** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**S&P** | **DBRS** | **Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | 0 | 0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;2 | 2 | 2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | 0 | 0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | 2 | 2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;3 | 3 | 3 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | 0 | 0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;1 | 1 | 1 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | 0 | 0 | &nbsp;&nbsp;0.00% |

---

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|:---|:---|
| <br> Bravo 2026-NQM6 Executive Summary (Selene Diligence LLC) | Page **4** of **15** |

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---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:*** |
| | **FINAL RA GRADES - COMPLIANCE** | **FINAL RA GRADES - COMPLIANCE** | **FINAL RA GRADES - COMPLIANCE** | **FINAL RA GRADES - COMPLIANCE** | **FINAL RA GRADES - CREDIT** | **FINAL RA GRADES - CREDIT** | **FINAL RA GRADES - CREDIT** | **FINAL RA GRADES - CREDIT** |
| &nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00%<br> &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00%<br> &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | **FINAL RA GRADES - PROPERTY** | **FINAL RA GRADES - PROPERTY** | **FINAL RA GRADES - PROPERTY** | **FINAL RA GRADES - PROPERTY** |  |  |  |  |
| &nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &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.

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

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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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Selene Due Diligence Narrative Report

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Grading Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Exception Detail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Tape Discrepancies

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Supplemental Data

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Third Party (TPR) Attestation Form

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

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**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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. The application is
substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

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**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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

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

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed all red flag
issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

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

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**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:

&nbsp;&nbsp;&nbsp;&nbsp;**1.** **Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:** 

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| | | |
|:---|:---|:---|
| a) | <u>Rescission (§1026.23):</u> | <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. |
| b) | <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October*</u><br> *<u>3, 2015:</u>* | <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October*</u><br> *<u>3, 2015:</u>* |
|  | i) | review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s); |
|  | ii) | proper execution by all required parties; |
|  | iii) | principal and interest calculations, and proper completion of the interest rate and payment summary; and |
|  | iv) | timing of initial and re-disclosed TIL(s). |
| c) | <u>Tolerances (§§1026.18, 22 and 23):</u> | <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<br> Charge to re-calculated Finance Charge. |
| d) | <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> | <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. |
| e) | <u>Higher-priced Mortgage Loan (§1026.35):</u> | <u>Higher-priced Mortgage Loan (§1026.35):</u> |
|  | i) | APR threshold test; and |
|  | ii) | compliance with the escrow account and appraisal requirements. |
| f) | <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan</u> Originator Compensation and Steering (§1026.36): | <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan</u> Originator Compensation and Steering (§1026.36): |
|  | 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 |

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

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

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.

h) <u>Prohibition on Financing Credit Insurance (§1026.36):</u>

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

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

j) 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.

&nbsp;&nbsp;&nbsp;&nbsp;**2.** **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):** 

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;a) | <u>Loan Estimate (LE) (§§1026.19 and 37):</u> | <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 completed and that information was reflected in the appropriate locations, which was based solely on the information disclosed on the LE; |
|  | iv) | confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency; |
|  | v) | confirm that 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) | confirm borrower received LE not later than four (4) business days prior to consummation; and |
|  | vii) | confirm LE was not provided to the borrower on or after the date of the CD. |
| b) | <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> | <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; and |
|  | vi) | with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 4.0, as may be updated from time to time. |

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&nbsp;&nbsp;&nbsp;&nbsp;**3.** **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;&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)); and

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

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

Selene 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.

Selene 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"). 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

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**SCHEDULE I**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. AL Consumer Credit License- Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. AK Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License Registered Depository
Institution Registration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. AR Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. AZ Mortgage Banker & Broker License-Consumer Lender License

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. CA AB 489/344 (Division 1.6 of the Financial Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. CO Consumer Equity Protection Article

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. CO Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. DE Licensed Lender License Broker License Lender License

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Washington, DC Home Loan Protection Act of 2002

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Washington, DC Mortgage Disclosure Act of 2007

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. FL Fair Lending Act

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. GA Fair Lending Act (pre- and post- amendments)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13. HW Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign Lender License
- Mortgage Loan Originator Company License

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14. ID Residential Mortgage Practices Act - (Home Loan Practices article)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15. IN Home Loan Practices Article

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16. IA Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker Registrant-
Mortgage Broker License- Master Loan Company Registration Nonprofit Mortgage Banker Registrant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17. KS Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16- 207

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;18. LA Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;19. MA Mortgage Lender and Broker Regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;20. MD Commercial Law amended by Maryland Senate Bill 270

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21. Maryland Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;22. MI Consumer Mortgage Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;23. MN Mortgage Originator and Servicer Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;24. MS Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;25. MO Mortgage Company License

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;26. MT - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License Mortgage Lender
License

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;27. NC Rate Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;28. ND Money Broker License

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;29. NE Mortgage Bankers Registration and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;30. NH First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;31. NJ Home Ownership Security Act 2002 (pre- and post- amendments)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;32. NM Home Loan Protection Act (pre- and post- amendments)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;33. OH Consumer Sales Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;34. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;35. Summit County, OH Consumer Affairs Board Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;36. Summit County, OH Consumer Protection Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;37. OK Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced amendments)

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;38. OR Consumer Finance License – Consumer Finance Registration – Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;39. PA Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;40. RI Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;41. SD Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;42. TN Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;43. UT Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;44. VA Mortgage Lender and Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;45. WA House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 – Consumer Loan Company License –
 Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;46. WV Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;47. WY Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. CA AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions - Anti-Predatory
Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. CT Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. CT Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. IL Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. IL High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Chicago, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Cook County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. KY Predatory Lending and High Cost Home Loan Act (pre- and post- amendments)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. ME Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime, Rate Spread
Home Loan, and Higher-Priced Mortgage Loan Provisions (original 2003 provisions and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. MA High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices Act
- MA 209 CMR 32.35 Higher-Priced Mortgage Loan Provisions - MA "Borrower's Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender
Law

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. NC Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13. NV Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14. NY GRBB Part 41 (pre- and post- amendments)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15. NY Banking Law 6- L

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16. NY Banking Law 6- M

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17. OH Anti - Predatory Lending Act (pre- and post- amendments)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;18. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;19. RI Providence Ordinance Regarding Predatory Lending (post- amendment)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;20. SC High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21. TX Home Loan and High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;22. UT High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;23. VT High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;24. VI VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;25. WI Responsible High Cost Mortgage Lending Act

---

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|:---|:---|
| <br> Bravo 2026-NQM6 Executive Summary (Selene Diligence LLC) | Page **14** of **15** |

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**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;&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;&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;&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;&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;&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.

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|:---|:---|
| <br> Bravo 2026-NQM6 Executive Summary (Selene Diligence LLC) | Page **15** of **15** |

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## Exhibit 99.8

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| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX |  | 46011 | XXXX A C |
| XXXX |  | 34381 | XXXX C A B |
| XXXX |  | 60357 | XXXX D A |
| XXXX |  | 64333 | XXXX C A B |

---

## Exhibit 99.8

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| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| XXXX | 46011 |  |  | Closed | 2026-03-20 06:58 | 2026-03-23 05:48 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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 #XXX and the Final Closing disclosure on Pg #XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XX and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. This loan passes HPML guidelines and is a HPML compliant loan - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-This loan passes HPML guidelines and is a HPML compliant loan - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This loan passes HPML guidelines and is a HPML compliant loan - Due Diligence Vendor-03/23/2026<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8234108 | N/A | N/A |
| XXXX | 46011 |  |  | Closed | 2026-03-20 06:58 | 2026-03-20 07:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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 #XXX and the Final Closing disclosure on Pg #XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XX and copy of the appraisal was given to the borrower – see Pg #XX for the copy of the disclosure. This loan passes HPML guidelines and is a HPML compliant loan - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.763%) equals or exceeds the California HPML threshold of (7.52%). 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 (6.02%).(Cal. Fin. Code 4995(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 #321 and the Final Closing disclosure on Pg #140 reflects escrows. Rate lock date was entered correctly – see Pg #348 An interior and exterior appraisal was completed for this property – see Pg #33-40, the appraisal disclosure was provided to the borrower(s)- see Pg #22 and copy of the appraisal was given to the borrower – see Pg #24 for the copy of the disclosure. This loan passes HPML guidelines and is a HPML compliant loan - Due Diligence Vendor-03/20/2026<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8234109 | N/A | N/A |
| XXXX | 34381 |  |  | Closed | 2026-03-25 13:50 | 2026-03-27 06:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception is for having first time buyer purchasing Investment Property. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached - Buyer-XX/XX/XXXX <br> Open-Loan does not conform to program guidelines First time home buyer borrower rents and not seeing an investment property or any prior mortgages on credit report - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Exception is for having first time buyer purchasing Investment Property. - Due Diligence Vendor-03/27/2026<br>| XXXX XXXX Exception DSCR 1st Time Homebuyer.pdf |  | 56.41% LTV is below the maximum 65% LTV by 8.59%.<br> $XXXX reserves exceed the minimum required of $XXXX exceeds the minimum by 5 months over the required<br> minimum. | CA | Investment | Purchase | NA | 8319458 | Originator Pre-Close | Yes |
| XXXX | 60357 |  |  | Closed | 2026-04-03 06:13 | 2026-04-07 15:23 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated XXXX uploaded. DTI corrected. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. please see attached - Buyer-XX/XX/XXXX <br> Open-Audited HTI/DTI is XX.XX%/XX.XX%; however, Originator HTI/DTI is XX.XX%/XX.XX%. The DTI discrepancy is due to audited monthly taxes of $XXX.XX (Tax Cert, pg. XXX) vs. $X,XXX.XX on the XXXX, and audited HOA of $XXX (Appraisal) vs. $X,XXX shown on the XXXX and HOA payment statement (pg. XXX). - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Updated 1008 uploaded. DTI corrected. <br> - Due Diligence Vendor-04/07/2026<br>| XXXX Income WS Corrected.pdf<br> XXXX 1008 Corrected.pdf |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8472061 | N/A | N/A |
| XXXX | 60357 |  |  | Closed | 2026-04-03 06:16 | 2026-04-07 15:23 | Resolved | 1 - Information C A | Credit | Doc Issue | HOA Fee Difference | Resolved-Updated XXXX uploaded. DTI corrected. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached and updated HOA is $XXX/mo and taxes are $XXX.XX/mo - Buyer-XX/XX/XXXX <br> Open-HOA Fee difference exsits between validated HOA and documents Audited HOA is $XXX per the appraisal report; however, the XXXX and HOA payment statement (pg. XXX) show a monthly HOA fee of $X,XXX. Clarification is required to confirm the correct HOA amount. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Updated 1008 uploaded. DTI corrected. - Due Diligence Vendor-04/07/2026<br>| XXXX XXXX Income WS Corrected.pdf<br> XXXX 1008 Corrected.pdf |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8472100 | N/A | N/A |
| XXXX | 60357 |  |  | Closed | 2026-04-03 03:11 | 2026-04-07 15:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-HOA Questionnaire is Present - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached - Buyer-XX/XX/XXXX <br> Open-HOA Questionnaire is Missing or Partial. Condo Questionnaire is missing from file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-HOA Questionnaire is Present - Due Diligence Vendor-04/07/2026<br>| XXXX HOA Condo Questionnaire XXXX.pdf |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8469050 | N/A | N/A |
| XXXX | 64333 |  |  | Closed | 2026-04-13 02:26 | 2026-04-14 09:46 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-\*\*The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-\*\*The loan meets HPML Guidelines and is a Compliant HPML loan.<br>The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) 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 Findings, and the Final Closing disclosure on Pg#'s XXX. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for delivery confirmation of the appraisal. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-We acknowledge that this file is HPML. The file includes impounds and the appraisal was delivered more than X days prior to consummation.<br> Thank you. - Buyer-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s Missing, and the Final Closing disclosure on Pg#'s XXX. <br> Rate lock date was entered correctly – see Pg#'s Missing. <br> An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s Missing for delivery confirmation of the appraisal. <br> The loan does not meets HPML guidelines. <br> \*\*IEADS missing<br> \*\*Rate lock Missing<br> \*\*Proof or borrower receiving copy of appraisal missing<br> - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved- - Due Diligence Vendor-04/14/2026 <br>Resolved-\*\*The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/14/2026<br>|  |  |  | TN | Primary Residence | Purchase | NA | 8614306 | N/A | N/A |
| XXXX | 64333 |  |  | Closed | 2026-04-13 03:06 | 2026-04-14 09:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Lender Exception for reserves is attached, thank you. - Seller-XX/XX/XXXX <br> Open-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) Audited Reserves of X.XX months are less than Guideline Required Reserves of X months shortage of amount ($X,XXX.XX) - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Lender Exception <br> for reserves is attached, thank you. - Seller- XX/XX/XXXX |  | XXXX - Lender Exception - Reserves.pdf |  | 70.27% LTV is below the maximum 80% LTV by 9.73%.<br> 44.28% DTI is below the maximum 50% DTI by 5.72%.<br> Borrower has been employed at current job for 6 years. | TN | Primary Residence | Purchase | NA | 8614541 | Originator Pre-Close | Yes |
| XXXX | 64333 |  |  | Closed | 2026-04-13 02:44 | 2026-04-14 01:42 | Resolved | 1 - Information C A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-Initial Escrow Acct Disclosure uploaded, Verified & <br> entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please find attached the <br> Signed Initial Escrow Acct Disclosure, thank you. - Buyer-XX/XX/XXXX <br> Open-Initial Escrow Acct Disclosure missing from file. <br> - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Initial Escrow Acct Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/14/2026<br>| XXXX - Signed Initial Escrow Acct Disclosure.pdf |  |  | TN | Primary Residence | Purchase | NA | 8614394 | N/A | N/A |

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## Exhibit 99.8

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **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** |
| XXXX |  | 46011 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 34381 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 56.41 | 56.41 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 60357 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 42.11 | 42.11 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 64333 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.27 | 70.27 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.8

Rating Agency Multi-Property Valuation Report v9.25

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Property 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** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **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** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Completion Report (1004D) Date** |
| None. |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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## Exhibit 99.8

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Seller Loan ID** | **Loan ID** | **Investor Loan ID** | **Lender Name** | **Transaction ID** | **ULI** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 SSN** | **Borrower 1 Birthdate** | **Borrower 1 Gender** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Citizen** | **Borrower 1 Self-Employment Flag** | **Borrower 1 FTHB** | **Borrower 1 FICO Date** | **Borrower 1 Origination FICO** | **Borrower 1 Origination Equifax** | **Borrower 1 Origination Experian** | **Borrower 1 Origination TransUnion** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 SSN** | **Borrower 2 Birthdate** | **Borrower 2 Gender** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Citizen** | **Borrower 2 Self-Employment Flag** | **Borrower 2 FTHB** | **Borrower 2 FICO Date** | **Borrower 2 Origination FICO** | **Borrower 2 Origination Equifax** | **Borrower 2 Origination Experian** | **Borrower 2 Origination TransUnion** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 SSN** | **Borrower 3 Birthdate** | **Borrower 3 Gender** | **Borrower 3 Ethnicity** | **Borrower 3 Race** | **Borrower 3 Citizen** | **Borrower 3 Self-Employment Flag** | **Borrower 3 FTHB** | **Borrower 3 FICO Date** | **Borrower 3 Origination FICO** | **Borrower 3 Origination Equifax** | **Borrower 3 Origination Experian** | **Borrower 3 Origination TransUnion** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 SSN** | **Borrower 4 Birthdate** | **Borrower 4 Gender** | **Borrower 4 Ethnicity** | **Borrower 4 Race** | **Borrower 4 Citizen** | **Borrower 4 Self-Employment Flag** | **Borrower 4 FTHB** | **Borrower 4 FICO Date** | **Borrower 4 Origination FICO** | **Borrower 4 Origination Equifax** | **Borrower 4 Origination Experian** | **Borrower 4 Origination TransUnion** | **Subject Address** | **Subject City** | **Subject Sate** | **Subject Zip Code** | **Subject County** | **Originator Doc Type** | **Occupancy** | **Loan Purpose** | **Refinance Type** | **Qualifying Front End DTI** | **Qualifying DTI** | **Borrower 1 Qualifying Income** | **Borrower 2 Qualifying Income** | **Borrower 3 Qualifying Income** | **Borrower 4 Qualifying Income** | **All Borrower Total Qualifying Income** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower 1 Length of Employment** | **Borrower 2 Length of Employment** | **Borrower 3 Length of Employment** | **Borrower 4 Length of Employment** | **All Borrower Residual Income** | **All Borrower Monthly Debt** | **Escrow Flag** | **Months Reserves** |
|  | 46011 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 749 | 769 | 744 | 749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Refinance | Cash Out - Other | 33.56 | 47.67 | 29254.14 | .00 | .00 | .00 | 29254.14 | Employed |  |  |  | 5 |  |  | NA | 15310.03 | 13944.11 | Taxes and Insurance | 23.67 |
|  | 34381 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 681 | 681 | 646 | 690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  | 4216 | Taxes and Insurance | 190.31 |
|  | 60357 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 767 | 753 | 767 | 768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Asset Utilization (DTI) | Primary Residence | Refinance | Rate and Term | 12.86 | 13.74 | 27969.35 | .00 | .00 | .00 | 27969.35 | Not Employed |  |  |  | 24.92 |  |  | NA | 24127.63 | 3841.72 | No Escrow | 646.98 |
|  | 64333 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Undocumented Non-US Citizen | Yes |  | XXXX | 740 |  |  | 740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TN | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Purchase | NA | 41.68 | 44.28 | 7742.00 | .00 | .00 | .00 | 7742.00 | Employed |  |  |  | 4.92 |  |  | NA | 4313.99 | 3428.01 | Taxes and Insurance | 3.48 |

---

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| **Seller Loan ID** | **Loan ID** | **Investor Loan ID** | **Liquid Cash Reserves** | **Original Note Loan Amount** | **Original Qualifying Loan Amount** | **Original Qualifying Base LTV** | **Original Qualifying LTV** | **Original Qualifying CLTV** | **Application Date** | **Note Date** | **Cash Disbursement Date** | **Mortgage Type** | **Loan Product** | **Loan Program** | **Original Note Interest Rate** | **Original Qualifying Interest Rate** | **Original P&I Payment** | **Original Qualifying P&I Payment** | **Monthly Escrow Payment** | **Original Total Housing Expense (PITIA)** | **First Payment Date** | **Amortization Type** | **Original Amortization Term** | **Original Term to Maturity** | **Maturity Date** | **ARM Gross Margin** | **ARM Rounding Method** | **ARM Rounding Factor** | **ARM Lookback Days** | **ARM Rate Index Type** | **Origination ARM Rate Index Value** | **ARM Initial Interest Rate Cap** | **ARM Subsequent Interest Rate Cap** | **ARM Initial Interest Rate Floor** | **ARM Lifetime Interest Rate Floor** | **ARM Initial Interest Rate Maximum** | **ARM Lifetime Interest Rate Maximum** | **ARM First Rate Reset Date** | **ARM First Payment Reset Date** | **ARM Subsequent Interest Rate Reset Frequency** | **ARM Subsequent Payment Reset Frequency** | **Interest Only Flag** | **Original Interest Only Term** | **Balloon Flag** | **Buydown Flag** | **Assumable Flag** | **Prepayment Penalty Flag** | **Prepayment Penalty Total Term** | **Prepayment Penalty Type** | **Origination Channel** | **PMI Flag** | **MI Certificate Number** | **Mortgage Insurance Percent** | **Mortgage Insurance Type** | **Mortgage Insurance Company Name** | **MERS MOM Flag** | **MERS Loan ID** | **Property Type** | **Number of Units** | **Year Built** | **Primary Value Property Valuation Date** | **Primary Value Property Valuation Type** | **Primary Value Property Value** | **Secondary Value Property Valuation Date** | **Secondary Value Property Form Type** | **Secondary Value Property Value** | **Sales Price** | **Qualifying Property Value** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** | **Flood Zone Flag** | **Flood Zone Code** | **Flood Policy Number** | **Other Lien Amount** | **Other Lien Position** | **Originator QM Status** | **Final QM Status** | **Total Number of Borrowers** | **Cash Out Amount** | **Total Origination and Discount Points** | **Number of Mortgaged Properties** | **Credit Report: Max Trade Line** | **Credit Report: Longest Trade Line** | **Credit Report: Number of Trade Lines** | **Credit Line Usage Ratio** | **Borrower 1 Years in Home** | **GSE Eligible Flag** | **AUS Case Number** | **AUS Recommendation** | **QM Points and Fees** | **Annual Percent Rate (APR)** | **Higher Priced Mortgage Loan (HPML) Flag** | **Covered/High Cost Loan Flag** | **Guideline Name** | **UW Guideline Author** | **Blanket Mortgage Flag** |
|  | 46011 | XXXX | 211899.86 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Bank Statement Program | XXXX | XXXX | XXXX | XXXX | 1353.81 | 8953.39 | XXXX | Fixed | 360 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 74847.66 | 13385.00 | 2 | 32938 | 170 | 7 | 0.10854416961130742 | 1 | No | XXXX | Manual Underwriting | 13385.0 | 7.752 | Yes | No | XXXX | XXXX | No |
|  | 34381 | XXXX | 590839.43 | XXXX | XXXX | 56.41 | 56.41 | 56.41 | XXXX | XXXX | XXXX | DSCR | Fixed | DSCR Program | XXXX | XXXX | XXXX | XXXX | 891.55 | 3104.58 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | .00 | 1 | 1000 | 10 | 6 | 0.03134328358208955 | 3 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 60357 | XXXX | 2327016.33 | XXXX | XXXX | 42.11 | 42.11 | 42.11 | XXXX | XXXX | XXXX | Conventional | Fixed | Asset Depletion | XXXX | XXXX | XXXX | XXXX | 0 | 3596.72 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 4007.14 | 12205.00 | 1 | 23000 | 279 | 4 | 0.25720812182741115 | 21.42 | No | XXXX | Manual Underwriting | 12205.0 | 6.453 | No | No | XXXX | XXXX | No |
|  | 64333 | XXXX | 11242.79 | XXXX | XXXX | 70.27 | 70.27 | 70.27 | XXXX | XXXX | XXXX | Conventional | Fixed | Bank Statement Program | XXXX | XXXX | XXXX | XXXX | 552.35 | 3227.01 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 12243.25 | 1 | 10000 | 42 | 4 | 0.07810526315789473 | 3 | No | XXXX | Manual Underwriting | 12838.25 | 7.535 | Yes | No | XXXX | XXXX | No |

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## Exhibit 99.8

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** |
| 46011 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 13385 | 03/11/2026 | 6.020% | Manual Underwriting | Manual Underwriting | No | XXXX |  | XXXX | XXXX | XXXX | No |  | $14572.68 | $1214.39 | $1673.04 | $139.42 | XXXX | XXXX | $0.00 | $9819.02 | $15310.03 | N/A | XXXX | XXXX | XXXX |  | 47.67% | 47.67% | 47.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025, 2026 | Borrower - 2025, 2026 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 749 |  |  |  |  |
| 34381 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | XXXX | XXXX | XXXX | No |  | $8544.60 | $712.05 | $2154.00 | $179.50 | XXXX | XXXX | $0.00 | $3104.58 |  | N/A | XXXX CA | XXXX | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.999 | 0.99 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null<br> Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 681 |  |  |  |  |
| 60357 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 12205 | 03/12/2026 | 6.020% | Manual Underwriting | Manual Underwriting | No | XXXX |  | XXXX | XXXX | XXXX | No |  | $8054.40 | $671.20 | $1140.96 | $95.08 | XXXX | XXXX | $0.00 | $3596.72 | $24127.63 | Yes | XXXX CA | XXXX | XXXX | Monthly | 13.74% | 13.74% | 13.74% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Utilization (DTI) | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion - 2025 | Borrower - 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 767 |  |  |  |  |
| 64333 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 12838.25 | 03/11/2026 | 6.020% | Manual Underwriting | Manual Underwriting | No | XXXX |  | XXXX | XXXX | XXXX | No |  | $5024.16 | $418.68 | $1604.04 | $133.67 | XXXX | XXXX | $0.00 | $3227.01 | $4313.99 | N/A | XXXX | XXXX | XXXX |  | 44.28% | 44.28% | 44.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 76.75% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Personal<br> Bank Statements Verified - 2025, 2026 | Borrower - 2025, 2026 | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 740 |  |  |  |  |

---

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| 46011 |  | XXXX |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 137052.20 | 15.3 | 211899.86 | 23.7 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 34381 |  | XXXX |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 590839.43 | 190.3 | 590839.43 | 190.3 | No | 56.41 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 60357 |  | XXXX |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 2327016.33 | 647.0 | 2327016.33 | 647.0 | No | 42.11 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 64333 |  | XXXX |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Consular Card |  | TN | Guatemala | XXXX | XXXX | XXXX | Passport | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 11242.79 | 3.5 | 11242.79 | 3.5 | No | 70.27 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.8

Multi Property Report

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Record ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Property ID** | **Loan Status** | **Loan Status Date** | **Originator** | **Property Address** | **City** | **State** | **Zip Code** | **Original Balance** | **Allocation Percent** | **Primary Appraisal Date** | **Owner Occupancy** | **Property Type** | **Primary Appraisal Value** | **Primary Appraisal Type** | **LTV** | **Reviewed Appraised Value** | **Reviewed Appraisal Type** | **Property Units** | **P&I Payment** | **T & I & A Payment** | **Monthly Taxes** | **Monthly Insurance** | **Property Acquisition Date** | **Property Acquisition Price** | **Rent** | **Type of Rent to Qualify** | **Rent in Place from Lease** | **Short Term Rent** | **Short Term Rent Source** | **Short Term Rent Term** | **Short Term Rent Term Number** | **Third Party Market Rent Estimate** | **Third Party Market Rent Source** | **Rented Flag** | **Annual HOA** | **Property Condition** | **Year Built** | **DSCR** | **Loan Release Provision** | **Percent Paydown for Release** | **Release Paydown Amount** | **Title Held As** |
| None. |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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## Exhibit 99.8

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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 |
| 34381 |  |  | XXXX | DSCR Program | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 3100 | Appraisal - 1007 |  | N/A |  |  | 3100 | Appraisal - 1007 | No | 100.15 | 0.99 | 0.999 | 3104.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 59900 |  |  |  | 3100 |  |  |  |  |  |  | No | No | 18.9 | 1 | 1 | N/A | 190.31 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |  |  | Owner |

---

## Exhibit 99.8

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 46011 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.67 | 46.01 | Confirmed Audited DTI is 47.67%, and matches with Originator DTI Is in line with DTI on page. 319 |
| 34381 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Property Type is PUD |
| 34381 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | QM: Safe Harbor (SH) | Originator QM Status is ATR/QM: Exempt |
| 34381 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | DSCR | Confirmed Verified Doc Type is DSCR |
| 34381 |  |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Primary Appraised Property Value is $XXXX |
| 34381 |  |  | XXXX | Borrower 1 FTHB | supplementalDataEntryPage | true | N | Confirmed Borrower is FTHB |
| 60357 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (SH) | Originator QM Status is Non-QM: Lender documented all ATR UW factors |
| 60357 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Asset Utilization (DTI) | FullDocumentation | Verified Doc Type is Asset Depletion – Debt Ratio Calculation |
| 60357 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 13.74 | 28.70 | Audited DTI is 13.74%; however, Originator DTI is 19.76%. The DTI discrepancy is due to audited monthly taxes of $XXXX (Tax Cert, pg. 617) vs. $XXXX on the 1008, and audited HOA of $XXXX (Appraisal) vs. $XXXX shown on the 1008 and HOA payment statement (pg. 553). Finding has been created for DTI discrepancy. |
| 64333 |  |  | XXXX | Borrower 1 FTHB | disclosuresPage | true | N | Confirmed Borrower is FTHB |

---